Filing a claim with someone else’s property insurance, also known as third-party insurance, is a daunting process. Reasons could include, your neighbor’s tree fell and damaged your fence, or home. Someone drove their car into your home. By following these steps, you can make the process as smooth as possible:
Gather the necessary information. You will need the following information from the other party:
- Their name, address, and phone number
- Their insurance company’s name, address, and phone number
- Their insurance policy number
- The date of the loss
- A description of the damage that was caused
- Any other relevant information, such as witness statements or police reports
You can try and contact the other party’s insurance company, however you will find that since it is not your insurance company you are making a claim with, the third party insurance company has no reason to treat your claim with the sincerity and respect you deserve.
Be prepared to provide documentation. The insurance company will likely ask you to provide documentation to support your claim. This may include things like:
- Photos of the damage
- Repair estimates
- Receipts for any expenses you have incurred
- A copy of the police report
Be patient. The insurance company will need to investigate your claim before they can make a decision. This process can take some time, so be patient. The problem is the other party’s insurance company is under no time constraints. They can drag out the process literally as long as they want.
Follow up. Once you have filed your claim, it is important to follow up with the insurance company to ensure that your claim is being processed. You can do this by calling the insurance company or by checking their website.
Here are some additional tips for filing a claim with someone else’s property insurance:
- Be clear and concise when describing the damage that was caused.
- Be prepared to answer any questions that the insurance company may have.
- Be patient and understanding. The insurance company may need some time to investigate your claim.
- Follow up with the insurance company regularly to ensure that your claim is being processed.
You will probably experience delays and a certain level of disrespect, there is a right way to handle these type of claims and the other person’s insurance company has no obligation to you. You are not their client.
If you have any questions about filing a claim with someone else’s property insurance, you give us a call at 404-445-5671 and we will walk you through the correct process.