Thornapple Insurance Agency represents trusted and reputable insurance companies. As an independently owned and operated local insurance company serving residents throughout the Greater Grand Rapids, MI area, we are free to offer you the very best products, services, and prices. We have been the region’s trusted personal insurance company since 1976, and our ideals and commitment to our valued customers have grown stronger throughout the decades. Trust and a mutually beneficial business relationship based on respect and security is what we offer.
How to Make a Claim
Filing a claim is the process you go through to get a payout from your insurance company when something bad happens. Claims involve paperwork, photos, damage appraisal, and sometimes (depending on the nature of the claim) legal action. While all that might sound like a bit of a headache, the good news is: Claims end with you getting the funds you need to cover home repairs, auto body work, or medical bills — without footing the whole bill yourself.
What You Should Do
The first thing to know is that the claims process varies by insurance type (home, life, health, etc). Here, we’ll focus on claims for homeowners insurance and auto insurance, which are fairly similar when you look at basic procedures.
1. Make Phone Calls
If you’ve been in a collision, get in touch with the police immediately. Same goes for crime-related home insurance claims (burglary, vandalism, etc.). And no matter what kind of claim you’re filing, make sure to get in touch with your insurer as soon as possible. The faster you get the ball rolling, the sooner you’ll receive your payout.
2. Provide The Information
After you’ve contacted your insurer, they’ll send over the paperwork required to process your claim. Most major insurance companies offer online claims filing, which makes the process much smoother and quicker — you’ll be able to send and receive forms electronically, and upload incident photos directly to your claim, often from your mobile phone.
3. Get Damages Assessed
To make sure they’re paying you the right amount, most insurance companies will ask you to get damages priced out by an approved party. For car insurance, that often means taking your vehicle to an accepted auto body shop. As for homeowners, the company will generally send an insurance adjuster to come assess your house after an incident.
4. Cover Your Deductible
Almost all claims, aside from liability cases, require a deductible payment. You’ll have to cover your deductible in full before the insurance company will fork over its share of the total cost.