Water Related Issues Responsible For Most Insurance Claims

http://www.howtoclaiminsurance.com/

Water is essential to life and covers over 70% of the planet. However, it also causes about 70% of all insurance claims. From hurricanes, winter storms, and flood events to broken pipes and plumbing overflows, these water related issues place a huge burden on homeowners, property owners, and the insurance industry.

Water Damage Denials:

Water related issues are common, not all are covered. For example, typical homeowner’s insurance policies do not cover natural flooding such as storm surges or rivers overflowing their banks. Instead, you must purchase flood insurance from the National Flood Insurance Program if you want this type of coverage.

In addition, water damage during storms may or may not be covered depending on how it occurred. For example, if you have a standard insurance policy and the water damage occurred because hurricane force winds ripped off your roof, than your insurance will likely cover the damage. However, if it’s determined that the water damage occurred due to the storm surge, it may be declined.

In addition, water damage due to poor maintenance of your home isn’t covered. If you let your roof deteriorate and don’t fix it, then you can’t expect the insurance company to pay for repairs when it leaks.

Water Related Insurance Losses & Natural Disasters:

http://www.claimbuster.com/

Flooding cause widespread devastation and capture their fair share of the headlines. After all, it’s hard to ignore damages amounting to over $40 billion (Hurricane Katrina 2005). But, let’s not overlook the everyday occurrences of water related insurance claims which amount to significant amounts of property loss each year.

The Insurance Information Institute:

Reports that water damage and freezing claims occur about 1.5 times for each 100 homeowner’s policies per year, with an average severity of over $5000. This figure is three times higher than theft or fire claims.

Preventing or Minimizing Water Damage Claims:

Preventing hurricanes and river overflows is impossible, you can prevent many other types of water claims. The first step is to keep your home well maintained. Regularly inspect your roof and basement and other areas where water can enter the home. Prompt repairs can extend the life of the roof while preventing further damage. In addition, keep your rain gutters clear of debris.

The next step is to invest in the tools that make a difference. If you live in an area with freezing temperatures, insulate your water pipes to prevent freezing and subsequent water pipe bursts. Buy a strap for your water heater so it won’t topple over during an earthquake. Buy a sump pump for your basement. Hire a back hoe service to re-grade your lot if it’s sloped in such a manner where water collects against your house.

Teach your family members how to turn off individual and main water shut-off valves. If a plumbing mishap occurs, prompt action by family members is necessary to minimize the damage.

Water is everywhere: it flows through our rivers and through the pipes in our homes. However, a single weather event or weakened plumbing joint can send the waters flowing where they don’t belong, causing water damage, devastation, an insurance claim, and a major mess.

By: Mr. Mark Decherd

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The Weird And Wonderful World Of Home Insurance Claims

http://www.howtoclaiminsurance.com/ 

Lloyds TSB are one of the country’s most popular home insurance providers meaning that they receive there fair claim of claims ranging from the serious to the downright outrageous. 2008s round up of claims certainly shows that there were a few eyebrows raised in the Lloyds TSB offices.

Phil Loney, managing director, Lloyds TSB Insurance, said: "I never cease to be intrigued by the variety of claims we receive day in, day out. Our 2008 quirky claims round-up highlights that it’s truly impossible to predict what’s around the corner and whilst it’s important to take sensible security, maintenance and safety steps, having a good insurance policy is vital to ensure long term peace of mind. So here are some of the weird and wonderful home insurance claims made in 2008.

http://www.annuitymd.com/ 

TV can’t be that bad!
One of the claims received in 2008s was from a man who had shot his TV, it had nothing to do with the fact that there was nothing on or he had just enough of Simon Cowell’s face. It turned out that the man in question restored old guns for a living and did not realise that the gun he was holding was loaded. Intentional or not it he certainly lost his no claims bonus with a bang.

Blind as a Magpie
The magpie may be famous for mating for life but many of you may not know magpies also suffer from poor eyesight as on unfortunate victim discovered. One lone eagle eyed magpie flew through the window picked up the victims glasses and then proceeded to fly straight back out again, lets just hope the magpies partner approved of its new look.

Poodle Piddle
According to one customer standing water can be a big problem in the garden and they were quick to put the problem down to a leaky drain. When the claims handler paid a visit to the home in question he discovered that there was no leaky drain but in fact the pet poodle had chosen the spot to relive himself over and over again.

X Rated Robbery
With many of us owning expensive mobile phones, digital cameras and laptops robbers seem to have easy pickings, yet one unsuspecting victim didn’t expect there private toy collection to be taken. The claims handler was slightly taken aback when they received the receipts for the items in question.

Amongst the unusual claims there where the slandered dropping the phone down the toilet or putting it through a spin cycle we have all done it at least once. Yet despite the number of silly claims it is important to remember to take out precautionary measures to protect the contents in our homes, you never know another light fingered magpie could be around the corner.

By: Swords Seamus

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Florida Property Insurance Changes will Affect Most Homeowners

Florida residents may see an increase in their property insurance as results of a new bill passed at the end of March 2008.

In the wake of Hurricane Katrina and other destructive storms, getting affordable property insurance hasn’t been easy. Many private insurers shed high risk clients after storms in 2004-2005, and raised assessments for others. For those who could no longer afford private insurance (or who were declared insurable by private insurers), state insurer Citizens Property Insurance Corp is the last resort. Over the last year, the state has been attempting to keep property insurance rates low for those who are insured with CPIC. According to critics of the latest property insurance changes, however, Florida residents who are insured by private companies will end up paying more so that the rates can stay low for those insured by the state-owned company. The last week of March saw the Florida Senate approve some changes to property insurance that might end up increasing property insurance rates by around 3%.

The bill was backed by Chief Financial Officer Alex Sink and approved by the Senate Banking and Insurance Committee. The intended effect is to reduce Florida’s Hurricane Catastrophe Fund by $3 billion. This means the state can reduce its investment in CPIC and therefore reduce its risk. At the same time, however, the state has also voted to freeze CPIC insurance rates through to the end of 2009. CPIC insures more than 1.3 Florida residents, and the rate freeze that occurred last year was done to avoid an increase that could have seen rates up by as much as 29%.

The problem is, according to critics, that CPIC’s premiums aren’t high enough, and that the company won’t have enough cash reserves to be able to pay out claims if a major storm hits. This is why the $3 billion reduction in the Hurricane Catastrophe Fund is significant. The Catastrophe Fund is a sort of safety net that can kick into action when Florida is hit by a major hurricane, and is intended to reimburse private insurers a portion of the money they pay out in claims. However, with the fund now reduced by $3 billion, the deficit is likely to be made up by rate increases for homeowners.

Last year, the state actually increased the Catastrophe Fund by $12 billion, but this year has been reduced by $3 billion. The fund was increased last year to reduce costs for insurers, and indirectly for homeowners. However, by increasing the Catastrophe Fund, the state of Florida was also increasing its own level of risk.

The state now wants to start decreasing its investment in the fund to reduce its risk. The net effect, however, will likely be the opposite of that which it originally intended. With private insurers taking on more risk relative to last year, the end result is more than likely going to be increased property insurance rates. The estimate is around 3% overall, with a slightly higher increase possible for Southern Florida residents. Chief Financial Officer Alex Sink admits that an increase in rates is possible, but also says that if insurers try to increase rates to an unreasonable level, the state will step in.

Calum MacKenzie is the Broker/Owner of Real Living Southern Homes a residential real estate brokerage located in Wesley Chapel, Florida and serving the Tampa Florida real estate and Land O’ Lakes real estate markets.

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Top Key Tips to Filing a Fire Insurance Claim

How to file fire insurance claims.

Tragedy has struck you and your family in an indescribable way. You have lost your home to a fire. What do you do now? Where do you go? Do not panic! Your fire insurance claim is one of the many ways you can get help. When you file that claim though, be informed. The following guidelines will help you in the event of a house fire; better still, prepare yourself before disaster strikes.

1. Know your coverage – Many people feel that their insurance company may have "pulled a fast one" on them when their claim is denied. A simple way to avoid this is to know your coverage. Get out that brochure that your insurance agent gave you when you signed your contract. Cannot find it? Call your insurance company and ask them to send you another one, and read it from beginning to end.

2. Know the amount of your deductible – When you sign a contract with your insurance company, you agree to a deductible, a basic amount to be deducted from the amount claimed. Example: If your damages total $4000 and your deductible is $500, the insurance company will give you $3500 and you will have to absorb the remaining $500.

3. Request it all in writing – Make sure you receive any and all estimates of damage or destruction in writing. This provides you with proof of damage when it comes time to file the fire insurance claim. Also be sure to request written estimates of repairs and/or replacement as well.

4. Sign nothing yet! – Before you sign anything, ask lots of questions, inform yourself, read the small print, and fully understand the document to be signed. You do not have to blindly accept the insurance company’s assessment of damage – get your own estimates in order to compare them with the insurance company’s estimates.

5. Gather all necessary information – Confirm with your insurance company the requirements for filing a fire insurance claim. Below is the standard necessary information needed:

• Date of loss
• Type of claim (loss)
• Location of damage
• Detailed list of any injuries incurred
• Full condition of home
• Complete list of all damages
• All estimates for repair or replacement
• Police report

6. Keep everything – In order for your claim to be processed as smoothly as possible, call the insurance company as soon as possible, and keep all documents relating to the incident, no matter how insignificant they may seem. Do not get rid of anything until the insurance company has sent a representative to assess the damage.

Many insurance companies will pay for temporary housing should your home be so damaged that you cannot live in it. Call them, or refer to your documentation to find out whether this is a possible provision in your case.

Form more about Fires go to: Fire Extinguisher 101.

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Medical Billing and Insurance Claims

Medical billing services help in dealing with insurance claims you make related to your healthcare expenses. Read this article to know about medical billing services and insurance claims.

The term medical billing refers to the process of submitting claims to the insurance companies and following them in order to collect payment for the services delivered by a healthcare provider. One can start his/her medical billing services to provide billing and collection to the providers. Many of the providers depend on medical billing services for processing claims to insurance companies (payer), instead of claiming themselves.

A patient visits a healthcare physician for medical checkup or treatment. The patient gives information on his/her personal details (age, sex, location, etc.) and about the insurance company that he/she has taken up the medical policy. The doctor updates the medical record of the patient for further diagnosis, examinations, test, medications and treatment (if any). The information provided by the patient about the policy can be confirmed by contacting the payer.

A qualified staff examines the medical record and translates into certain procedural and diagnosis codes. The medical billing company analyzes the data and performs services for the provider. Either medical billing services handle claims only or take care of both claims and billing. It is not easy to settle a medical insurance claim. The billing company has to bill the claim amount and fill up the claim form. Filling the claim form should be done carefully; even a single mistake on the part of the patient’s details or treatments can lead to rejection and returning of the claim. Information in the claim should match with that in the policy document. Regarding any doubt, the billing company can verify with the patient and the provider.

The claim is then submitted to the respected insurance company in which the patient has a policy with. In some cases, the claim has to be submitted to a clearinghouse before submitting to the payer. Insurance company will further process the claim. If there are no mistakes, it determines the allowed charge payable for each service depending upon the patient’s policy and accordingly, payment is done. Thus, a medical claim is settled.

The medical billing services charge fee to the provider for their services. Some medical billing services charge their fees according to the number of claims handled, whereas some prefer to charge for a percentage of what they collect.

Majority of the medical billing services use electronic billing system with advanced medical billing software. All the major tasks like filling up the claim forms, submitting claims and sending billing statements are done via the Internet. The advantages of using electronic billing service are it saves time and increases efficiency and profitability.

Everyone must be aware about various health insurance schemes and their significance. Majority of the American citizens have medical insurance cover, which can be in the form of dental insurance, individual health insurance or family health insurance. One can take up disability insurance according to the lifestyle and risks involved. While taking up any insurance, it is very important for all the policyholders to have detailed information about the policy he/she has taken. One should analyze the policy documents and understand the coverage that comes under the particular scheme.

Certain problems may arise related to the claims submitted via the billing services and the insurance company’s payment. In such conditions, the cooperation of the patient is very important. He/she should give detailed information about the policy such as coverage of the policy and policy terms. If possible, the patient should call up the insurance company and inquire about reasons for denial. If the insurance company denies the claim, then the patient has to pay the medical bill to the provider. For genuine reasons, the patient can file an appeal against the insurance company.

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After an auto accident or insurance claim Part 2

Your car has been in an accident or damaged in some way and you’ve already initiated the claim and had the estimate written. What next? This next selection of questions in Part 2 of my series covers some of those items.

Will my car be replaced or repaired?

After evaluating the damages to your vehicle, your insurance company has the option of repairing your vehicle, replacing your vehicle, or reimbursing you for the vehicle’s actual cash value (ACV). Actual cash value is the amount your vehicle would have sold for on the date of the accident.

A vehicle is considered economically impractical to repair, or a total loss, if the cost to repair the vehicle equals or exceeds the vehicle’s ACV on the date of the loss. In many instances an insurance company will total a vehicle if the appraised damages equal 80% of the vehicle’s ACV because often, once repairs are begun, additional damages or "hidden damages" are found which would render the vehicle a total loss by definition. (This is sometimes referred to as a "constructive total" loss)

What parts will be replaced on my vehicle?

This is a wide open question and can only be answered by your policy limits. Your policy may state that they can replace OEM parts with "like, kind and quality" parts which could be a used part or an aftermarket part.

Do I have to accept non-OEM parts?

No, the final choice is yours but if the insurer wants to use non-OEM parts and you decide to use more expensive OEM parts, you may have to pay the difference in cost. It all depends what is stated in your policy.

Does my insurance company offer me a direct repair program through a local body shop and how does the process work in dealing with a direct repair shop?

Some auto insurance companies use a Direct Repair Program to provide repairs for their policy holders. In a Direct Repair Program, a collision shop and an auto insurance company complete a contract to provide repairs for the insurance company’s claimants.

This is how a Direct Repair Program works: You are involved in an accident and contact your insurance company, or the insurer of the at-fault driver. The auto insurance company then refers you to a network of conveniently located repair facilities that offer a limited lifetime warranty on the repairs to your vehicle. The service might also offer on-site rental car arrangements. The insurance company and the collision shop handle all the details and paperwork, so you do not have to.

The collision shop and the auto insurer determine the specific provisions of a Direct Repair Program. The advantage to the collision specialist is the steady stream of referrals or work. A collision shop might participate in one, or several, insurance companies’ Direct Repair Programs.

Although a Direct Repair Program can generate additional paperwork for a body shop, it can also prevent delays. When an additional part is needed for a repair, the shop does not have to stop working on a vehicle to wait for an insurance adjuster to re-evaluate the situation and perhaps write a new estimate. Insurance companies promote the advantages of a Direct Repair Program to their customers as convenience, warranties on repair work, and the freedom from estimates and other paperwork details.

Should I use a Direct Repair Shop?

When you first contact your insurance to set up your estimate and review your policy, ask the insurance company about their Direct Repair Program and what type of warranty they give on repairs done at one of their facilities and, if applicable, will the warranty transfer out of state. Normally the insurance companies will back the warranties of the shops on their "approved" lists.

Do I have to use a Direct Repair Shop recommended by the insurance company?

No. In the end, the choice is yours. The insurance company may tell you that the shop of your choice is not on their "approved" list of shops and that they may not be able to efficiently handle your claim due to your selection of a certain shop, but do not be intimidated by this. It is your right to choose whatever shop you want to repair your vehicle.

If by chance you pick a bad shop, and they mess up your repairs, it is you against the body shop. The insurance company is only liable to pay for the original repair; it will not warranty how those repairs are made, whereas if you had gone to one of the insurance company’s direct repair facilities, then they would have to get involved and settle an problems relating to the relevant repairs.

And that wraps up Part 2. Remember, it is your car and always your choice as to where and how it gets repaired.

Sincerely yours,
Jake Maxwell

Jake started his automobile career working for a small town automobile repair shop in the South East. After working there for almost a decade, he decided to try his hand on the flip side of the coin and got a job as an auto appraiser for a large insurance company. Using the experience from both sides, he understands the needs of not only the consumers, but the auto body shops and the insurance companies. It’s a love triangle with many complex problems. Visit his blog for the complete series and more resources at Direct Repair Advice and Insurance Questions.

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After an auto accident or insurance claim Part 1

Have you ever had to deal with getting your car repaired after an accident? Want to be prepared in case that day ever comes? Then this series of questions and answers is for you. We take you through some the most commonly asked questions when dealing with making a claim and what the process is in getting a vehicle repaired after a claim.

Before contacting an insurance company: What do I do if I’m involved in an accident or need to make an insurance claim?

Accidents are almost always unexpected and very stressful. It’s important to keep as calm as possible.

Being prepared in the case of an accident is also important. Keep an emergency kit in your trunk or under a seat with a set of collapsible cones, warning triangles or even emergency flares. Make sure you also have a PEN and a card with relevant medical information for you and your family. Keep a disposable camera handy to take pictures, especially one that has a flash in case the accident is at night. Most disposable cameras are fairly durable and can survive the heat of a car, especially if stored away from direct sunlight. Replace it every two years to be sure the film is fresh.

What to do right after an auto accident:

* Stay as calm as possible.
* Call the police immediately. They will write up a police report that will have a report number which you will need.
* Check for injuries. Life and health are more important than damage to vehicles. When in doubt, call an ambulance.
* If the accident is minor and there are no serious injuries, most states will allow you to your vehicles to a safe place, rather than risk being in moving traffic. Check your states laws.
* Turn on hazard lights. If warranted, and possible, use cones, warning triangles or flares for safety. Turn car engine off so it does not risk sparking a fire.
* Make immediate notes about the accident including the specific damages to all vehicles involved. If the name on the auto registration and/or insurance policy is different from the name of the driver, establish the relationship and write it down. Get witness information, if possible, as well. Swap information with the other party. Names, phone numbers, insurance policy information, tag numbers, VIN number and make of vehicle.
* Don’t sign any documents unless a police officer asks you to sign for a ticket.
* Be polite, but don’t ever tell the other drivers or the police that the accident was your fault, even if you think it was. Likewise, do not accuse the other drivers of being at fault at this time. It is wise to state only the facts. Limit your discussion of the accident to the insurance agent and the police.
* If you have a camera handy, and it is safe to do so, it may be helpful to photograph the accident scene. You want to get pictures of the cars involved, the people, and especially the damage before it is taken away from the scene. Pictures of skid marks or guard rails or other objects that were part of the accident are also useful.
* If possible, do not leave the accident scene before the police officers and other drivers do.
* Finally, remember that while getting the facts is very important, investigating the accident should be left to the police officers and the insurance companies.
* Don’t accept offers to settle for payment on the spot without careful consideration. You may be held liable later for the same damages.

What do I do if I am involved in an accident or have to make a claim after I contact the insurance company?

All insurance companies have different procedures and policies on reporting an accident. Check with your insurance carrier and request the proper steps.

How do I get an estimate done on my vehicle?

Once the insurance company has the information about the accident including a police report, they will set up an appointment with either a field appraiser or a Direct Repair Auto Body Shop to write the repair estimate.

If the accident or claim is not my fault, do I go through my insurance company or the other person’s insurance company?

Report the crash to your insurance company immediately or within the time specified by your policy along with a copy of any police reports or supporting documents. Then report it to the other insurance company. Typically each company will have its own way of handling a claim. The majority of the time, if it is not your fault, the other insurance company will process the claim. Just keep on top of them to insure your case is being handled promptly and to your satisfaction. That wraps up the first part of this 3 part series. I hope you found some good information to help you understand the process of getting a vehicle repaired after an insurance claim.

Jake started his automobile career working for a small town automobile repair shop in the South East. After working there for almost a decade, he decided to try his hand on the flip side of the coin and got a job as an auto appraiser for a large insurance company. Using the experience from both sides, he understands the needs of not only the consumers, but the auto body shops and the insurance companies. It’s a love triangle with many complex problems. Visit his blog for the complete series and more resources at AutoBodyFAQ.com.

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