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Houston InsuranceInsurance has a fairly simple purpose: help make policy holders financially whole, up to the limits of the policy, after losses experienced during an insurable event.

While the goal of insurance is simple, its execution doesn’t always follow the same clean lines. After all, to control insurance costs you have a limit on your policy that spells out the maximum benefit you can receive. You will also have deductibles which are out-of-pocket requirements that you must meet, and finally, there is a process of examination that can follow a claim in order to ensure that everything works accurately and appropriately based on the loss you suffer.

When you submit a claim to an insurance company, your insurer owes it to all of their clients to investigate each claim. They do this for several reasons. First, they want to verify the incidents behind the loss. This helps ensure that the incident was insurable under the policy contract. Next, they want to determine the extent of the damages. This assures your carrier that they’ve awarded you the amount you deserve in order to be made whole after a qualifying insurable incident.

An insurance claims adjuster is the individual who works in the role of investigator. He or she may interview witnesses, review records, and even come out to the location of the incident to explore the damages. This can be an especially helpful exercise as the adjuster may meet with you, at the incidents location, to go over details. This may prompt you to remember items you otherwise would have forgotten.

In an instance of a liability claim, an insurance adjuster may protect you from unnecessary, fraudulent or exaggerated claims. Not only does this help you avoid insurance premium hikes in the future based on your claims history, it also helps to stem company-wide payment increases.  

Whether you need to file a claim, or you just want an overview of the claims process so you’re prepared should you ever need to file one, give us a call. We’d be happy to talk with you about your insurance and planning needs; as well as, discuss the claims process with you, before you need it.

At Reliable Insurance, we have been serving Texas since 1996. We specialize in Houston auto insurance as well as home, business and car insurance in Houston, Katy and surrounding areas in Texas. Contact us today at (713) 227-7283 for questions or to get a free Houston Insurance quote.

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