Personal Claim

Report the claim to your insurance provider as soon as possible, and also contact your broker. Your broker will help confirm your coverage, guide you through the claims process, and address any questions or concerns. They will act as your advocate, liaising with the insurance company on your behalf to ensure a smooth process.

Confirming Loss Details
After reporting the loss, your insurance company will assign a claims adjuster. The adjuster will contact you to verify the loss details and gather any additional necessary information.
For vehicle claims, the insurance provider will determine fault in the event of a collision and advise you on repair or replacement steps.
For property claims, the adjuster will inform you about required forms and important timelines.

Assessment of Damage
You can arrange for a third-party assessment of your loss, or your adjuster can recommend an appraisal service.
For vehicle repairs, you may be directed to a repair shop and receive an assessment report, which must be sent to the claims adjuster for review.
For property claims, you need to complete a proof of loss within 30 days, listing the damaged or lost items.

Repair Arrangements
Once your claims adjuster approves the repair costs, you'll receive guidance on repair options. This may include using the insurance company's preferred suppliers or selecting your preferred mechanic or contractor. You will also be responsible for any applicable deductible at this stage.
Your adjuster will inform you of additional services covered by your policy, such as rental cars during vehicle repairs or living expenses if your home is uninhabitable.
For personal property claims, you'll have various settlement options, including receiving an upfront actual cash value payment for replacing lost or damaged items.

Personal Injury Claims
If your claim involves injuries, a specialized adjuster will handle it. They will explain available medical benefits and provide the necessary forms. Cooperation in the investigation is essential for a swift and fair resolution, especially if other parties were injured.

Closing the Claim
Once repairs are completed, your insurance company will settle invoices on your behalf (except for the deductible, which you should have already paid directly to the mechanic or contractor). Depending on the claim's nature and value, you may need to complete a Proof of Loss form. Keep in mind that you have up to two (2) years from the date of loss to finalize your claim.

If you have further questions about your insurance policy or need assistance with a claim related to property or vehicle damage, please contact your DeJong’s Insurance at 1(403) 245-1192 or fiil out the contact form below.