The first step to any insurance claim is to take the time to document what happened. Say there was a storm and a tree fell onto your roof destroying a large part of your home. You would want to take photos, write down the timeline of events, and take the time to really document what happened in order to make a clear picture for your insurance company. For those in the Collierville, TN area, the agents with Brock and Poole Insurance Agency can help.
After you document what happened you will need to contact your insurance agency in a timely manner. This means within days of the event so that the process can move along quickly. After contacting your agent you will be asked a series of questions so that they can build your record. They will also likely make an appointment for an adjuster to come to your home and document and evaluate what happened.
The adjuster will do a walk through and talk with you about the damage and about what possible fixes there are for what has happened. An adjuster is there to help determine how much it is going to cost the insurance company to fix the damage, they are also there to determine if the damage falls under your policy and if they can write a check to the appropriate people to get the damage fixed.
After your adjuster comes he or she will report back to your insurance agency and will tell them what they found. After this, the insurance company will decide what amount to award and how to pay out. Often, insurance agents will pay the workers directly or will give you a sum of money to have the repairs made. For those in the Collierville, TN area, the agents with Brock and Poole Insurance Agency can help.