Accidents occur and we cannot predict when a catastrophe will strike. Many situations require a church to submit an insurance claim. What does the claims process entail? Understanding the process can feel a little overwhelming, but having a little understanding of behind the scenes can give you a little insight into how it works, which can make the process simpler for you and your insurance company.
First, learn about who you will be working with. This prepares you for submitting a claim, and it creates a settlement timeline. You never have to feel alone during the process of filing a claim. Your agent will be available to answer questions, and they can guide you throughout the process. The areas that will be discussed will most likely include the deductible and the coverage. During your church insurance claims process, the adjuster will be the main point of contact throughout the process.
What should you have ready? Because every church insurance claim will be unique, there is no unique list of information that you should have. However, for certain claims, you will want certain things. For example, if you experience a theft, then you will want the cost of the damages, the date and time that it occurred, the missing items, the case number of the police report and ownership documents. If your church experienced roof damage, you will want an indication of interior leaks, age and the roof type, the cause of the loss, the loss location and an indication of the emergency past claims.
Did you experience water damage? In that case, you will want to have a confirmation of the water main being turned off, the approximate square footage of your area and where the water came from so that it does not occur twice. When it comes to church insurance claims or any insurance claims, the more detail you can go into, the better.
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