Things to Have When Filing a Business Insurance Claim in Vero Beach

Things to Have When Filing a Business Insurance Claim in Vero Beach

A lot can go wrong with your business. The good news is that you likely have business insurance. Filing a business insurance claim in Vero Beach is going to be a lot simpler if you have all of the necessary things before you call the insurance company. A little preparation prior to making the call can make it easier to file the claim and ensure that it is accepted.

Description

The first thing that you need when you file a business insurance claim in Vero Beach is to have a complete description of what happened. You may be calling to place a claim regarding commercial auto insurance, a break-in within your business, or something else. Be as descriptive as you can about what happened. You will also want to include details such as the date it happened, the time, and anything else that may help with the investigation that will ultimately follow once you have filed a claim.

Photos

Any photos that you can provide will be helpful towards the investigation as well. This may include photos of the damage, whether it is a vehicle, a building, or something else. Take photos from several angles, and ensure that they are date stamped as well so that there is no question as to when the photos were actually taken. Be prepared to email these to an insurance adjuster when asked.

Witnesses

If there are any witnesses that saw what happened, you will want to pass on their names and phone numbers to the insurance company. This means that if there was another driver who saw your commercial vehicle get hit or another business owner who saw your location get broken into, will want to collect their information and let them know that they may be called upon by your insurance company in regards to the claim your filing.

Policy Number

It is also a good idea to have your policy number on hand. This will make it easier or the insurance company to locate your policy and file a claim on your behalf. If you have other policy documents, have them ready so that you can provide any additional information that may be requested by you.

Every insurance company is a little bit different when it comes to filing claims. The reason you have business insurance is so that you can file a claim without having to handle everything financially on your own. The claim may take a few weeks to investigate before a check is sent to cover damages, but the more information you provide, the easier it may be to speed things along.

When in doubt, be as helpful as possible. Ask questions in terms of if there is anything else that you can provide. You may also want to follow up with an insurance adjuster after a few days to see if they are missing any information and if you can answer any additional questions.