Insurance claims are generally handled by independent adjusters but there is still a role for your broker to play. When you have a claim, call us first – we will give you direction on how to mitigate your losses and protect your property, help you find someone to assist with the clean-up and contact the adjuster on your behalf.
Your broker also plays a valuable role in the case of small claims. Often a business owner will be unsure of whether certain items are covered under their insurance policy and whether making a claim for a small loss will have a detrimental affect on future premiums. Your broker is the person to consult with.
Because your broker has experience with a broad range of claims, he/she will also be in a position to recommend getting an insurance appraisal done and who is available in the industry to provide this work. An appraisal can be a valuable tool in settling a claim as it eliminate most of the guess work.