Simply Explaining Insurance#104- Your best chance at determining if there is coverage.

I have clients call me regularly asking if something is covered on their insurance. Something has happened. Something got damaged. They want to know if it is covered. The answer can be like Chinese algebra. It’s hard to figure out.

If I try and call my claims office they will tell me to file the claim and we won’t know until a claims adjuster surveys the damage. My service center who is aware of how insurance works and has access to what is covered and what isn’t, likes to direct me to claims because they don’t determine coverage.

It is this fun endless loop that I got tired of riding. So now, I go straight to the people on the ground who do determine coverage. Claims adjusters. As an agent, I have access to these hardworking professionals whose main job, is to determine if there is coverage and to help fix what is broken.

Now I call them. Adjusters are always happy to talk to agents. If we can pass on bad news to a client before them, it saves them a hard conversation. If it is covered, we get to share the good news with the client first.

What I am trying to do, is to help my clients avoid filing a claim that isn’t covered. This type of claim activity can’t be removed and you don’t want to file 2 claims in a 3 year period. At that point, you are at risk of being non renewed and shopping for a new insurance carrier that will charge you twice as much as you are paying today.