When was the last time you read your policy? Do you remember ever seeing it? The claims process can be incredibly overwhelming and confusing, especially if you aren’t familiar with policy language. Premier Claims is here to help.

Know Your Coverage Inside Out

Whether or not you understand your insurance policy can make or break your claim. The policy serves as a blueprint for your protection and outlines the scope of insurance coverage in place. If you’ve never seen your policy and are filing a claim, it’s like exploring the jungle without a map.

The first step is to reach out to your insurance broker or agent. They are your direct contact regarding your insurance coverage and can provide you with a copy of your policy upon request.

Knowledge is Power

Armed with the policy in hand, you gain insight into what you’re protected against and, equally as important, what you’re not. This knowledge is invaluable when navigating the claims process.

After obtaining your policy, simply forward it to a Premier Claims representative. Premier Claims will assign the policy to one of our licensed professionals to do a thorough ]review. By familiarizing ourselves with the specifics of your policy, we can assist in making informed decisions. The more information we have, the better advocate we can be. To have your policy reviewed by our team, please complete the following form: https://premier-claims.com/policy-review/. This should take less than a minute to complete.

Recognizing Red Flags

If your broker or insurance carrier is hesitant to provide you with a copy of your insurance coverage, it’s a red flag. Transparency is key in the insurance industry, and any reluctance to share information should prompt further questions. Your policy is a binding contract, and you have EVERY right to review its contents.

Your insurance policy is more than just a document—it’s your lifeline in times of crisis. Taking the time to understand the legal lingo is an investment in your peace of mind and financial security. Don’t hesitate to reach out to Premier Claims for guidance, and remember, knowledge is power. By arming yourself with information, you can navigate the claims process with confidence and clarity.

Take control of your insurance journey today. Reach out to your broker or agent to request a copy of your policy and then submit your policy for a complementary review by our licensed professionals to ensure your property is properly protected. Embark on the path to empowerment– peace of mind is worth it.

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

- - 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.

Named Insured vs. Claimant

- - 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.

Signee vs. Claimant

- - 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.

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.

Hiring an insurance broker can save you a ton of money. They can quickly compare plans of dozens of insurance carriers, taking the stress off of your plate. While that is great in the long run, when it comes time to file an insurance claim, you’re left wondering which carrier your insurance policy is even with.

Not having a copy of your insurance policy can land you in hot water. Even worse— you don’t know who your insurance carrier is! Take action and ensure you have your policy ready to go when you need it most.

Where do I start?

This is where Premier Claims steps in. When you hire us, it’s like getting a hammer when you’ve been driving nails in with the end of a screwdriver. The screwdriver was able to get the nail into the wood. However, the hammer is more accurate and cuts time in half.

Are you having a tough time getting your insurance information from your broker? One of our representatives is happy to help get the info you need. As an additional service, we offer free policy reviews. To have your insurance policy reviewed, use the following link: https://premier-claims.com/policy-review/

Our tenacity does not waver throughout the claims process. We are your hammer. We are going to call who we need to call, meet who we need to meet, and debate who we need to debate in order to get what you are owed.

What’s next?

As we gather your insurance information, we’ll make sure you have a digital file with all necessary documents in case of another catastrophe.

These include:

Digital copy of your policy.
Blueprints of your property.
Digital inventory of all the updates and construction to your property.
Photos of your property, both pre-storm and post-damage.

Once we start the claims process, we will need to track down all of these documents to get a clear picture of your property. The more information our adjusters have, the smoother the claims process.

Being Blind to Your Insurance Coverage Can Lose You Money