Claims Management - Claims Processing

When damage to property or a personal casualty event occurs due to crime like vandalism, theft or accidental damage occurs from negligence of old plumbing, bathtub overflow, leaking toilet or shower; First things first when filing your property claim. If a crime has been committed, call the police. Be as cooperative as possible with local authorities such as police, rescue, or the fire department. Be sure to get a police report and document all the names of the officials that you come into contact with.

Next step is to mitigate any future loss or damage. This may require temporary repairs from a plumber if you are not handy with leaky pipes. At this point, it is always best to keep calm when considering your next steps. Good documentation, damage estimates, determining actual cash value and photographs are the homeowner’s responsibility and mandatory when filing a property insurance claim.

Now would be a good time to call your public adjuster, prior to your first phone call to your insurance company, at least to understand your policy coverage’s.  

• Are you covered for this loss?
  
• Is there a personal property inventory form?
• Do you know where your policy is located
• Did your insurance provider provide you with a claims kit?

Good record keeping will speed up settlement of your claim and helps reduce your risk of a denied claim. Compile a room-by-room inventory of damaged goods, and include manufacturer's names, dates and places of purchases, and prices. Try to locate receipts or proofs of purchase, especially for major appliances, and note manufacturers' names, serial numbers, prices, and dates of purchase. Separate the damaged from the undamaged property and put it in the best possible order for the insurance adjuster's examination.

When working with Metro, you will first meet with a professional representative that will spend quality time reviewing your policy with you using an experienced eye to identify coverage limitations, policy exclusions and legal language that your insurance company may use as leverage to deny your claim. Your Metro claim advocate will conduct an inspection of the damage using a checklist and detailing damage you may have missed without a trained eye for consequential damage caused by your direct peril. With this information, together we can determine if you have a claim worth investigating and you may choose to engage our services at this time.

Call 215-909-4928 for 24/7 Emergency Service!!!