The Dos
Do call your agent as soon as a covered event takes place. As soon as you get home from the car acccident, or even before you go to the doctor, call your agent.
Do review and understand your coverage before talking to your insurer or your agent. Read the “Coverage” and “Exclusion” sections of your policy in particular.
Do take and keep detailed notes of all conversations with insurance company representatives. Get names, phone numbers, and job titles of people you speak with, including their supervisor’s name.
The Don’ts
Don’t give any recorded or written statements to your insurer until you are sure you understand your coverage. Remember you are not required to allow the insurance company to record your telephone conversation. If you have doubts, call Jeff Davis Lawfirm.
Don’t automatically accept the estimate or appraisal of your losses given to you by the insurer. Insurance companies will often try to get you to accept their estimator’s or contractor’s repair or replacement estimates, which might be a bit low. DON’T sign any releases or waivers of any kind until you obtain legal advice. A bad financial situation after a major loss may make it seem necessary for you to accept a premature, inadequate settlement from your insurer. But you may remember destroyed items after you have signed a release as to payment for your personal property inventory or other claims. For these reasons, it is advisable to consult an attorney before signing a release or waiver. Be sure to read the fine print on any payment from the insurance company.
Don’t accept any check that says “final payment” unless you are ready to do so.