What to Do When a Loss Happens

Step-by-step guide for what to do when an insurance loss happens. Protect yourself and maximize your claim.

A Step-by-Step Guide for When a Loss Occurs

Experiencing an insurance loss, whether it's a car accident or a tree falling on your house, can be chaotic. Knowing what to do can protect you and maximize your claim. The very first step is to ensure everyone is safe. Then, take steps to prevent further damage, such as covering a damaged roof with a tarp. It is critical to document the damage thoroughly with photos and videos before any cleanup or repairs begin.

A common mistake is calling a contractor before your insurance company. While you will need a contractor eventually, you should report the claim to your insurance agent first. Your agent can advise you on your coverage and the claims process. At TCDS Insurance Agency, we guide our clients through these initial steps, ensuring they don't inadvertently jeopardize their claim. We can also recommend reputable contractors in Alabama, Georgia, or Tennessee.

Navigating Denials and Public Adjusters

What if your claim is denied? Don't panic. A denial is not always the final word. You have the right to appeal the decision. This is where an independent agent from TCDS can be a powerful ally. We can review the denial letter, your policy, and the adjuster's report to help you build a strong appeal. If the claim is particularly large or complex, you might consider hiring a public adjuster, who works for you to negotiate the claim, but it's always best to consult with your agent first.

Being prepared can make all the difference. The team at TCDS Insurance Agency is here to be your first call when a loss happens. We are an Alabama-based independent agency that shops over 50 carriers to find you the best protection. Contact us today for a free quote and be prepared for the unexpected.

Should I call a contractor before my insurance company?

No. Your first call should be to your agent. They can advise you on next steps and help you find a reputable contractor. Do not sign any contracts or authorize work until you have an approved claim from your carrier.

What if my claim is denied?

You have the right to appeal the decision. Your agent can help you navigate the appeals process. You can also file a complaint with the Alabama Department of Insurance.

What is a public adjuster, and should I hire one?

A public adjuster is an independent adjuster you can hire to represent you in your claim. They work on a contingency fee, typically a percentage of the settlement. For large or complex claims, a public adjuster can be invaluable in getting a fair settlement.