Who are the players in the intake process?
Think of the claims intake process as one big video game, where the decision maker or policy owner plays the most integral part of the claims game. Throughout your quest for a fair claim payout, you’ll meet some additional key figures or characters to help you along the way.
Player Character or Protagonist: The Policy Owner
The policyholder is the main character. They’re the ones whose name is listed under “Named Insured” in the policy. This person is typically the business or building owner who either knows all of the information needed in connection to the property or knows the best person to ask for help obtaining the necessary information.
Ensure you know the differences between signee, named insured, and claimant. Not sure what they are? We’ve got you covered.
Signee vs. Named Insured
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- Signee: The person who signs any document or contract. They acknowledge and accept the terms of the document.
- Named Insured: The person or entity specifically named in an insurance policy as the primary policyholder who receives coverage and benefits.
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Named Insured vs. Claimant
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- Named Insured: The main policyholder identified in the insurance policy who has the legal rights and responsibilities associated with the policy.
- Claimant: The person or entity making a claim under the insurance policy, which could be the named insured or another party eligible to claim benefits due to an insured event.
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Signee vs. Claimant
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- Signee: The individual who signs the document, which could include contracts, agreements, or forms.
- Claimant: The individual or entity filing a claim for benefits under an insurance policy, regardless of whether they signed the policy.
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The Guide: The Property Manager
The property manager serves as a point of contact for the building’s condition. They may provide essential information about the property and assist with gathering documentation throughout the claims process. Their job is to oversee the property and ensure that its condition is up to par. They should have records of any issues with the building and repairs made, the insurance policy, and inspection records. When it comes to providing information on any changes to the property or past issues, they are an excellent resource.
Information Hub: Your Broker or Insurance Agent
Your broker or broker agent is the keeper of policy knowledge. They’re key when trying to track down your policy. That isn’t a problem if you’ve never seen your policy. Your broker is required to give you a copy if the signee asks. If you are getting a runaround when requesting a copy of your policy, Premier Claims is happy to assist.
The Ally: Premier Claims
Premier Claims is your claims team’s muscle and brains. Throughout the intense battle with the insurance carrier, we will always be on your side, advocating on your behalf. We are experts in the claims process and have the tenacity and drive to fight for your rightful compensation.
Your Arsenal
One of the first steps in the claims process is to gather all necessary information about the property. The policy owner should have access to their insurance policy documents, including the declaration pages outlining key coverage details. This readily available information can expedite the intake process and facilitate smoother communication with the insurance adjuster.
You should also have a detailed timeline of the building. Whether it’s recent renovations, prior damage, or maintenance issues, you should be prepared to provide insights into the building’s history. This information can help the adjuster properly assess the extent of the damage.
Once Premier Claims has the primary information concerning your property, we can start investigating and ultimately battling it out with the villain of the claims process: the insurance carrier.