| Calamities like fire, flood or burglary can cause any | | | | insurance company. |
| time without giving prior notice. It is always in your | | | | It may be in your best interest if you visualize an |
| own interest to have your house-hold items covered | | | | accidental happening like flood, fire or burglary and |
| under a suitable insurance policy. Your valuable | | | | take some preventive steps, before it actually |
| possessions like your house, car, furniture, rugs & | | | | happens. This will certainly make your life more |
| carpets, jewelry and other items must have proper | | | | comfortable when such a situation arises. |
| insurance cover. | | | | You must carefully study the terms and conditions |
| In case of such a mishap you have to pursue settling | | | | stated in your insurance policy. Make sure your |
| a claim with your Insurance Company. You are not | | | | valuable belongings are well covered with full details |
| expected to be an expert in insurance matters. You | | | | and value of each item - like your house, car, |
| need to avail the services of an insurance loss | | | | jewelry, rugs/carpets, furniture and other items. You |
| assessor, Insurance Companies have loss adjusters | | | | must have proper documentary evidence about |
| on their roll and as soon as you lodge a claim with | | | | purchase of all items covered in the insurance policy, |
| your insurance company, they immediately depute | | | | with their quantity, make and purchase value/date |
| him/her to assess the quantum of the loss. The loss | | | | etc. If by any chance you have missed obtaining |
| adjuster will assess the loss after thorough study of | | | | purchase documents for some items, you can take |
| the case. They have insurance company interest in | | | | their digital photographs with maximum available |
| mind and their effort will be to assess the loss in a | | | | details and post them on a photo-sharing website. |
| way that makes the insurance company pay the | | | | You can also send one set of such photographs to |
| minimum compensation. An insurance loss assessor, | | | | your insurance company for any future reference. |
| on the other hand, works with policy holder interest | | | | There are few vital steps which you must follow |
| in mind and his best effort will be to help the claimant | | | | after such an incident takes place. They might prove |
| get what he really deserves and not what suits the | | | | helpful in quick and satisfactory settlement of your |
| insurance company. | | | | insurance claims. First, you need to avail services of |
| Insurance companies are in the business of handling | | | | an impartial insurance loss assessor to handle the |
| one or the other claim everyday. Their loss adjusters | | | | claim affairs on your behalf. You should report to |
| are well trained to handle insurance claims with their | | | | your insurance company immediately after you have |
| employers interest in mind. This is not the case with | | | | suffered a loss, preferably within 3-4 weeks. Your |
| the claimant who is a victim of circumstances and it is | | | | formal claim must be lodged with the insurance |
| not his job to make insurance claims every now and | | | | company without losing any time because claim |
| then. You as an innocent claimant are not expected | | | | settlement is a time taking process and it involves lot |
| to be fully conversant with insurance laws and rules | | | | of paper formalities. If you are victim of a burglary |
| and here the insurance assessor comes to your | | | | case, you must promptly report the matter to the |
| rescue. He, being an expert in insurance matters, can | | | | local police. This will go in your favor when pursuing |
| help you in getting the best settlement from your | | | | settlement of claim with your insurance company. |