How to Properly Submit a Claim

Your insurance policy helps you financially protect you in the event of unforeseen events. But in order to be reimbursed, you’ll need to know how to properly submit a claim to the insurer.

1. Know who to submit the claim to.

Insurance groups are highly departmentalized organizations. If you submit a claim to the wrong department, they won’t necessarily be willing or able to redirect it to the correct department. You might not even discover your mistake for weeks afterward. This can cause your claim to be unnecessarily delayed or even erroneously denied. If you have a claim to submit and you have any doubt as to where to submit it, call your representative at the Allegiance Insurance Agency in Plano, TX for guidance.

2. Know when to submit a claim.

It’s important to know when it’s necessary to submit a claim. Incidences include, but may not be limited to, property vandalism, property theft, weather-related damage, accident damage involving another vehicle, personal damage while in a vehicle or as a pedestrian. Refer to the policy  from Allegiance Insurance Agency in Plano, TX for specifics about what incidents trigger the need to submit a claim.

3.  Gather the Information You Need

Insurance claims adjusters will need to see a variety of documentation relating to your claim. Gather everything together in one place so you have access to it for the submittal. Keep it together in a folder, and make copies of any information you send in to the agent. Needed documentation may include; your policy number, your contact information, the beginning date of your policy, the date, time and location of the incident, contact information for everyone involved, contact information for any witnesses and law enforcement officers on the scene at the time, driver’s license number and insurance information for everyone involved.

Be prepared to offer any additional information as requested by your insurance claims adjuster, including a sworn statement guaranteeing that the information you’ve provided is true and accurate to the best of your knowledge. If you follow all three of these tips, you’ll be better assured of a fast decision on your claim.


Are You Prepared for a Home Emergency?

It is definitely not something that homeowners wish for but it is something that you should prepare for. In Plano, TX, you never know when disaster may strike. When it does, are you prepared for it? Can you survive in your home for a few days without being able to leave? If you do not have an emergency kit set up already, then it is time to get one started. Use this list from Allegiance Insurance Agency to get you started:

  • Food. You need to have food if you are not going to be able to leave your home for a few days. Make sure you have food that is non-perishable and that you do not have to cook it to eat it. 
  • Water. You also need to have water to survive. Make sure you have at least one gallon per day per person. The more people who live in your home, the more you will need. You should try to have at least three days’ worth of both food and water. 
  • First aid kit. This is important to have in case there are any minor injuries. You can get a good one from your local store and keep it in a secure place. Make sure it is always fully stocked in case you need it. 

You not only need to have a home emergency kit set up for your home but you also need to have a great home insurance policy. If you do not already have one in place, be sure to contact Allegiance Insurance Agency serving Plano, TX for a free quote and to explore your options. If you do already have a policy, they can take a look to make sure you are not paying too much and that you do not have gaps in coverage.