Q:

What are some tips for talking to an insurance claims department?

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Quick Answer

When talking to a representative from an insurance claims department, remain calm and polite, document every contact in a journal or diary, be proactive, and do not let out frustration over the loss on representatives, says United Policyholders. When making a claim, keep in mind that although you begin a conversation with an adjuster, you can ask to communicate with a supervisor if necessary.

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Full Answer

Documentation of every communication and the outcome allows you to keep up to date on the status of the claim, according to United Policyholders. It also allows you to keep a detailed record of any promises made by the company and the date such commitments can be expected to be fulfilled. When making a claim, remain on top of the process by giving the insurer complete proof of all losses and demand a value amount as calculated by such. It is often best to ask for the proper value of the losses before the adjuster offers any amount.

You should avoid agreeing to a confidentiality agreement too early, advises United Policyholders. Such agreements often the diminish your bargaining power when negotiating a claim because they may be too broadly phrased and geared to reducing certain policyholder rights and privileges.

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