Whether you’re talking to a customer service representative at the main number or calling the adjuster directly, it’s up to you to document your communication about a denied or delayed hail-damage claim. Part of being proactive about a difficult claim is making sure that you start creating a paper trail as soon as you realize there might be a problem—and luckily, it really isn’t that hard to do right.
If a hailstorm has left you hanging until you can resolve your claim, you can start taking simple steps right now to protect your rights when you talk to your insurer. Here are some tips for documenting your communication about a denied hail claim with your marine insurance company:
- Ask for a written explanation of the denial from the marine insurance company, and keep a copy in your own files.
- If you speak with the help desk, don’t forget to write down little details like the date, time, transaction number, and the name of the representative you spoke with.
- Send a follow-up email after each communication to confirm the communication, and remember to copy yourself.
- Keep copies of all letters sent to and received from the insurance company about your hail claim.
- If you’re working with a policyholder attorney to fight the denial, share your documentation and ask for specific tips that might help you create a better paper trail in your specific case.
For more information about handling potentially difficult marine and boat insurance claims, reach out to our legal team for one-on-one answers—or check out a free copy of our important book, Your Basic Guide to Marine Insurance.