How to claim from your house insurance company.

How to claim from your insurance company.

The complaint process

Once you have contacted your insurer, an adjuster will be assigned to your file. He will explain the procedure, depending on the nature of the damage and the coverage of your insurance policy. If the damage is significant and covered, the expert will quickly move a team specialized in the post-disaster cleaning and will coordinate the work to empty and clean the affected areas.

The 5 steps of claim settlement in home insurance

Emergency work is done to prevent further damage; An estimate is prepared for the repair and reconstruction of damaged areas;

A list of damaged, destroyed or stolen property is established;

Property, according to its nature and condition, is cleaned, repaired or replaced (depending on the type of settlement chosen upon purchase of your home insurance policy);

The rooms of the house are rebuilt.

These steps may vary from one disaster to another or from one insurer to another; they are presented for illustrative purposes only.

Replacement of destroyed or damaged property

Your home insurer will repair damaged property that is repairable.

If the property needs to be replaced, your insurer will replace it with new property of the same type and quality if it is the settlement option you chose when you bought your policy. Otherwise, he will refund you according to their value on the day of the loss.

insurance, insurance claim, house insurance, car insurance, boat insurance

Do not forget the franchise!

Repair your home

For damage to your home, an estimate must be prepared to assess the costs of rebuilding the affected areas. Your insurer will repair or rebuild damaged or destroyed parts. If you decide not to carry out these repairs, your insurer will reimburse you by an amount of money taking into account the value on the day of the loss.

Choice of supplier or contractor

To repair or replace a property or to rebuild damaged areas, you can contact the supplier or contractor of your choice. However, you must discuss it with your insurer first to hear about the amounts granted.

Did you know that the cost of cleaning or storing the goods as well as the costs of removal are payable from the amount of your insurance?

Have you suffered a major loss?

Follow the claim process so that the amount of insurance you have purchased is used as you wish. Especially in the event that this amount is insufficient to cover the damages suffered. It is up to you to decide how this amount will be used.

What not to do in a claim

Obligation of your insurer

Your home insurer must return your property and your home in the same state they were before the disaster. He has the obligation to repair or replace damaged property and / or part of the building.

Your insurer must also compensate you within 60 days of receiving your claim or, if requested, relevant information and supporting documentation.

For damage to your home, an estimate must be prepared to assess the costs of rebuilding the affected areas. Your insurer will repair or rebuild damaged or destroyed parts. If you decide not to carry out these repairs, your insurer will reimburse you by an amount of money taking into account the value on the day of the loss.

The claims adjuster will contact you

The expert will investigate the circumstances of the incident. He will explain the procedure, depending on the nature of the damage and the coverage of your insurance policy.

If the damage is significant and covered, the expert will quickly move a team specialized in the post-disaster cleaning and will coordinate the work to empty and clean the affected areas.

Get Paid to Socialize

Model letter of contestation to an insurer for the management of a claim

Model letter of contestation to an insurer for the management of a claim.

Litigation with insurance

A dispute or disagreement with his insurer is something quite common. But in the majority of cases, it is a misunderstanding or misinterpretation of the insured about his contract.

The first thing to do is to re-read your contract, including the terms of exclusions of guarantees and special conditions and do not hesitate to contact his adviser in case of doubt.

Disputes with his insurer generally involve a refusal to compensate for a claim, an insufficient amount of compensation, a late declaration, the non-reimbursement of a broken object, a change in an undeclared situation or because of a claim. too long processing time for example.

How to make an amicable remedy with his insurer?

In a letter of "mis en cause" you will show that you have informed the insurer of the loss within the legal deadlines and that the latter is covered by the contract while demonstrating that the guarantee conditions have been met (no intentional fault or exclusions). Attention, the limitation period is 2 years, beyond no action will be possible!

It is not always easy to express your grievances in writing, that is why we propose below models of letter of complaint to the insurer for different reasons and insurers (Maif, MMA, Matmut, Axa, Allianz , Macif, Gan, Groupama, Maaf, GMF, etc.). It is important to send your letter by registered mail with AR in order to keep track of your steps if, subsequently, you have to request the Ombudsman's intervention. This procedure will allow you to obtain an informed and external opinion on the dispute between you and your insurer, when it does not succeed.

Similar letters: Referral to the BCT after a refusal of compulsory insurance, Make a request for arbitration, Request a conciliation.

These letters can be useful to you:

Request an information statement from the insurer Request a copy of a certificate of insurance

 Examples of mail to settle a dispute over an insurance contract

Subject: Claim compensation.

Example for an automobile insurance contract (refusal of assumption of responsibility)

Dear,

I acknowledge receipt of your registered mail dated [date] in which you inform me that you refuse to compensate the theft of my GPS in London that I declared [date] on the grounds that it falls under the exclusion of guarantee.

However, there is obviously a contradiction between the general conditions and the particular conditions of our contract. Indeed, Article 3 provides for the compensation of objects broken into my vehicle at the European level, but the special clause B provides for exclusion outside France.

Referring to the case law, I ask you to review your position and make my compensation as soon as possible.

In the meantime, please accept, Madam, Sir, my best regards.

Example for a home insurance contract (insufficient amount)

Dear,

On [date], I declared a water damage / fire that occurred on [date] at my home [address] and for which I had taken out a multi-risk insurance policy with your agency.

After the arrival of the expert you appointed, you sent me a compensation proposal in the amount of [amount]. However, as evidenced by the various estimates attached, the work is estimated at more than [amount] by the various professionals.

Therefore, I ask you to increase the amount of compensation or to extend a new expertise. In the absence of a response from you within 15 days, I will ask the intervention of the mediator of insurance, which I hope will allow us to find common ground.

In the meantime, please accept, Madam, Sir, my best regards.

Example for too long compensation periods

Dear,

By registered letter of [date], I declared to you a claim concerning [specify] and for which you confirmed to me a support in the amount of [amount].

However, to date you still have not made the settlement that is due to me. I remind you, as provided by Article R.112-1 of the Insurance Code, that the insurance contract that binds us indicates that the compensation must be paid no later than within a period of [specify].

As of [date], you will therefore be liable for late payment interest under article 1153 of the Civil Code. If you do not answer within 15 days, I will go to the insurance mediator.

Hoping to be able to count on a fast settlement, I beg you to believe, Madam, Sir, in my sincere greetings.

Get Paid to Socialize

Life insurance: what happens at the time of death?

Life insurance: what happens at the time of death?

There are many ways to save money, including signing up for a life insurance policy. The latter is an undertaking that obliges the insurer to pay a capital to the subscriber or a beneficiary in return for the payment of a premium. There are two types of life insurance policies: life insurance and death insurance. We are talking about life insurance at the time of death.

How does life insurance work when the subscriber dies?

Guaranteed risk in life insurance is the life of the subscriber or the insured. When the contract expires and the latter is still alive, the latter will then receive the capital provided for in the insurance contract. However, if the insured dies before the end of the term, the principal will be returned to the beneficiary. It is obvious in this case that the beneficiary and the subscriber are two different people. There may be a reduction or increase in capital gains when the principal is paid. As a result, the capital paid to beneficiaries may be greater than the total premiums paid. It should be noted that it is possible to buy life insurance or to request an advance but in compliance with certain conditions.

What are the different types of life insurance contracts? There are many types of life insurance contracts, depending on the type of exit as well as the duration. First of all at the level of the insurance premium, the insured can choose the payment in one go. He may also pay insurance premiums periodically. This can be done monthly, every three months or every year. This being the case, he has the possibility of making complementary payments without waiting for the delays mentioned above. It can also opt for free installment premiums. However, there is a minimum amount that the insurer must pay. In terms of life insurance contracts, the most common is the one in euros. There is also the multi-media contract which consists of investing in units of account. Finally, there is the euro growth contract which conditions the obtaining of the capital that after a minimum of eight years.

Get Paid to Socialize

Some tips before insuring your used car.

Some tips before insuring your used car.

Subscription to a car insurance policy is mandatory if you drive a new or used car. In this regard, it should be noted that the term used car may designate a vehicle that has been in circulation for a few months as it may be a vehicle that has been driving for years. To buy a used car insurance contract, here's what you need to know.

Used car: which auto insurance contract should you choose?

The newer the car, the higher the value of the auto dimension. It is for this reason that it is recommended to take out an all-risk car insurance policy when driving a new vehicle or having driven less than two years. Between two and five years old, the motorist can opt for an intermediate insurance contract, although an all-risk contract is still advisable. For a vehicle over ten years old, the good idea would be to take out insurance with the third party. It should be noted, however, that this does not apply to vintage cars. Given their value, the good idea would be to take out a multi-risk insurance contract. Of course, you have to pay a higher premium if you opt for a multi-risk contract. If you are looking for an insurance agency in Le Havre, we recommend the MMA agency Le Havre Hôtel de Ville.

Used car insurance: the guarantees you can subscribe

Unless it is a car bequeathed by a close relative, you are not safe from hidden defects when driving a car that you have bought used. As garage costs may be high, it is recommended that you take certain optional guarantees in addition to liability insurance. For example, you can take out a mechanical guarantee that will allow you to get a refund of repair costs in case of failure. There is also the guarantee of assistance in case of breakdown. It must be known that there is a mileage deductible to reach for this guarantee to work. That being so, asking for these options implies that you have to pay a higher insurance premium. To find a car insurance with good value for money, it is recommended to make a comparison of auto insurance. In addition, ensure the regular maintenance of your vehicle.

Get Paid to Socialize

I build my house: what insurance should I contracts?

I build my house: what insurance should I contracts?

Home construction insurance

Whether you entrust the construction of your home to a contractor or do it yourself, there are insurance policies to subscribe as you are the owner. More details on these guarantees in the rest of this article.

Property damage insurance

This is a contract governed by the law Spinetta that requires any owner to take out home insurance to cover any defects in construction. This concerns for example the collapse of the roof or the collapse of the floor. However, damage insurance does not cover damage caused intentionally, after a fire, following a natural disaster or those due to natural wear and tear. The damage insurance-work is obligatory for the owner. In addition to the owner of the building, it could also be the real estate developer, the agent, the syndicate of the condominium or a builder of detached house. It should be noted that the guarantees of the property and casualty insurance are ten years from the beginning of the works.

In addition to the coverage offered by the property and casualty insurance, you can also take out other guarantees such as the guarantee of inseparable equipment. This guarantee is valid between the perfect completion and two after the reception of the works. For example, it covers possible damage to a concrete screed. There is also the non-material damage cover which covers the owner or the occupants of a building in the event of claims that have caused an operating loss or loss of rent. If it is a house under renovation or extension, there is also the guarantee of damage to existing because of new work. You can also apply for an all-risk insurance policy that covers you for various claims in addition to those mentioned above.

To benefit from an optimal coverage, it is recommended to make a comparison of damage insurance. If you do not have time to search for home insurance, you can use an insurance broker. It acts as an intermediary between you and the insurers and can offer you contracts adapted to your profile.

Get Paid to Socialize

Professional insurance: what is it and when is it compulsory?

Professional insurance: what is it and when is it compulsory?

Whatever your professional activity, there are always risks that you have to face. It could be related to workplace safety, a financial risk or the possibility of creating harm to a third person. When a claim arises in the course of your work, the compensation can ruin your business or expose you to a dismissal. To do this, there are professional insurance contracts, some of which are mandatory. The details.

What is professional insurance?

As its name indicates, professional insurance is a guarantee against the risks to which the property and the agents under the responsibility of the insured can be exposed. Subscription to a professional insurance contract is mandatory. Thus, a professional must at least have taken out a civil liability insurance policy. This is the minimum guarantee that covers the bodily injury or material damage caused to a third party by the insured, his employees or the materials under his responsibility. There are also other guarantees that it can subscribe such as fire insurance, insurance in case of water damage, theft insurance, insurance breakage ice or insurance loan. Most of these guarantees can be grouped around a single contract, this is known as a multi-risk insurance contract.

Compulsory professional insurance: for whom?

To subscribe a professional liability insurance contract is mandatory for all those who have a regulated professional activity. This is particularly the case for health professionals, accountants, building professionals, legal professionals and insurance brokers. There are other guarantees that may also be mandatory or recommended depending on the area in which you operate. The choice of guarantees to be taken out under professional insurance varies according to the activity of the company. If a claim occurs, the guarantees are not automatic but depend on the contents of the insurance policy. Also, it is important to read the general conditions as well as the special conditions of your professional insurance contract. You also need to take stock of the risks to which you may be exposed in the course of your activities.

Click here if you like free gifts.

Get Paid to Socialize