It actually goes without saying that where you happen to suffer loss of property or damage to them like would be in an accident or fire damages and you had the property insured against these, then it would obviously follow that after the occurrence of such you would want to start the claim process for these losses that you may have suffered. Coming to this, you need to note the fact that you will have to work with an insurance adjuster for they will be the ones who will be tasked with the need to evaluate or assess the damage and figure out what it is that is to be paid out as compensation.
In as much as it is a fact that filing an insurance claim has such effects of being burdensome and will as well as well have the potential risk of increasing your insurance rates going forward, a number of the policyholders often opt to file for a claim in the event of an accident or some other kind of disaster that they may have insured against and as such pay the deductible instead of taking on the whole burden of the loss that follows.
When it comes to the start of the claim process, the first thing that you will have to do will be to get in touch with your insurance agent who you will give all the details of the incident for which you seek to be compensated. After you have so reached out to the insurance agents and the company by extension, what will then follow will be having an insurance adjuster assigned to the claim you have. By and large, the most important part in the claims process is working with the claims adjusters.
It is actually the claims adjuster whom you will be working with most of the time during the claims process. There are basically three types of insurance claims adjusters and these are the company adjusters, the independent adjusters and the public insurance adjusters. Talking of the company adjusters and the independent insurance adjusters, these two kinds of adjusters generally share one feature in common in the sense that they are one way or another affiliated to the insurance companies, being employed by them or hired for their services.
When it comes to the public insurance adjusters, these are as well independent adjusters but instead of being hired by the insurance company, they are hired by the policyholders themselves. Generally, they work for the policy holders. The independent insurance adjusters and the company insurance adjusters charge the policyholder no fee for their services but still there are a number of reasons and cases where as a policyholder you will see sense in hiring the services of a public insurance adjuster.