Tag
insurance-claims
14 articles on insurance-claims.
Insurance claims·
We Thought We Were Covered: How the Gap Stays Invisible
Under-insurance and missing proof do not announce themselves. They sit quietly in a valid policy for years and only appear on the one day you hoped never to test it.
Insurance claims·
Claims That Fell Short: The One Document That Would Have Changed Each
A pattern of contents claims that paid out far less than the loss, and the single piece of evidence that would have changed each one. The stories are composite, the patterns are real.
Insurance claims·
Insured on Averages, Paid on Proof: the Asymmetry Nobody Explains
Insurers sign you up on a quick average and pay you out on detailed proof. That switch, from estimate to evidence, is where most contents claims quietly fall short.
Insurance claims·
How to Value Jewellery, Art, and Watches for Insurance
Specialist items are where guessing hurts most. Here is when a professional valuation is worth the cost, what it involves, and how to document valuables properly.
Home inventory·
Can ChatGPT Make a Home Inventory for Insurance?
It will produce a list. But you will work harder than you expect for a worse record, and when you are done you will be holding a document you made yourself, which is exactly what a contents claim is built to discount.
For assessors·
How to Check a WHIG Evidence Record Is Genuine
A guide for insurers, brokers and loss adjusters. How to independently confirm that a WHIG Evidence Package was sealed when it claims to have been, has not been altered since, and what that check does and does not establish.
Insurance claims·
What Makes a Home Inventory Count as Evidence
Most home inventories are not evidence. They are assertions. The difference is not how detailed the list is, it is whether anyone other than you can confirm it, and that difference decides your payout.
Insurance claims·
The Week After a Burglary: What Insurers Ask, and When
A burglary claim runs on a timeline. The questions arrive in a particular order, and each one assumes you can produce something. Here is what gets asked, and when.
Insurance claims·
How Insurers Value a Contents Claim
There is a method behind how a contents claim is assessed. Understanding it tells you exactly what to document, and why some claims settle higher than others.
Insurance claims·
Claiming From Memory After a Fire: The 2am List Problem
After a house fire, the insurer asks you to list everything you lost. You do it from memory, at the kitchen table of a place that is not your home. Here is what that is actually like.
Insurance claims·
Proving What You Owned After a Fire, Flood, or Burglary
The cruel part of a major loss is that the proof often burns or washes away with everything else. Here is how people rebuild a claim, and how to never be in that position.
Life events·
Documenting Tools and Equipment for Tradies
For a tradesperson, the garage and the van hold tens of thousands in tools, almost always undocumented. After a theft, proving it is its own nightmare. Here is how to be ready.
Insurance claims·
Why Serial Numbers and Receipts Matter for Insurance Claims
A serial number is one of the hardest pieces of evidence to dispute. Here is why receipts and serial numbers strengthen a claim, and which items are worth recording.
Insurance claims·
How to Prove What You Owned for an Insurance Claim
After a fire, flood, or burglary, the burden of proof is on you. Here is what counts as proof of ownership, and how to have it ready before you ever need it.