Most tenants have never made a claim and have no idea what the process looks like. Knowing the sequence in advance is most of what makes it bearable.
Report, document, meet the adjuster, settle. The part people get wrong is the documenting.
Three stages of a claim, in order.
Every policy requires prompt notice, and delay is one of the few things that genuinely damages a claim. Reporting something that turns out to be minor costs nothing. Waiting a month while you decide whether it is worth it can cost the claim itself.
The insurer wants an itemized schedule of what was lost with ages and values. This is the stage tenants find hardest and where most money is left behind, because reconstructing a household from memory always understates. Photographs and receipts taken beforehand turn days of work into an afternoon.
On a replacement cost policy the first payment is frequently the depreciated value, with the remainder released once you have actually replaced items and shown proof. That is normal rather than a dispute, and knowing it prevents the first check from looking like a refusal.
Making a future claim straightforward.
Ten minutes of video now saves days later.
It changes the final figure substantially.
We will walk you through it rather than leave you to a call center.
Call the office. We will also tell you how to build an inventory in ten minutes.
We walk tenants through claims rather than handing over a number.
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