How and When to File an Insurance Claim

learn more about the how what why of insurance claims and the processWhile no one ever wants to HAVE to necessarily file an insurance claim, the need for it can certainly arise. So, here’s what you need to know about how and when to file an insurance claim with Farmers. Spoiler alert: it’s not going to be nearly as difficult as you’d think. 

How to file an insurance claim

As you might already know, there’s a saying that goes with Farmer’s, which reads: “with Farmer’s, it’s easy.” That’s a bold statement, but it is one that you’ll find very much to be the case.

There are two main ways “how” to file your claim.

The first one is to use Farmer’s online resource, which will walk you through the process of filing your claim. Whether it’s for home, auto, catastrophe, or any other insurance claim, it’s all doable with this online resource.

The second option is to call your agent directly and explain what happened. Your insurance agent will help you remain calm, as they are educated in your policy, and dedicated to helping you get through this hard time as easily and as quickly as possible.

Both of these approaches are going to be a good idea and are helpful for the convenience of having both options available to you. As far as which way is best, it’s all about your personal comfort. If you like online filing, that’s a great option. If you have a good connection with your insurance agent, however, you may find it simpler to do it by reaching out to them directly.  Heck, you can even file online and then follow up with your agent to be sure you are doing so correctly. They are there to help you, after all.

When to file an insurance claim

There’s always that question for those who find themselves dealing with (so-called) minor accidents. Whether it be home, auto, or business policies, some are going to be minor filings as opposed to major ones. So, when you get those minor incidents, is it a good idea to file or not?

Ideally, you should always file an insurance claim whenever there is any minor damage. However, when the payout isn’t going to be much more than your deductible, and there’s a chance that your insurance premiums might go up, depending on the accident itself, then you might want to consider whether filing is a good idea or not for your own financial gain.

There are a few reasons why you should always submit a claim, even if you aren’t sure about the payday.

The first and most important one is going to be if you aren’t sure who will be held at fault. At that point, it’s always best to let the insurance company handle the negotiations and determinations.

The second main reason to always file a claim is if someone is injured. No matter how minor or major that injury might be, filing a claim is important whenever there is any potential for injury, medical bills, and even potential lawsuits.

Thirdly, file a claim if you’re unsure of whether you should file a claim or not. No, this isn’t a mind game, just a reality. Your insurance policy is there to protect you and your pocketbook. If you think you might need to file a claim but aren’t entirely sure, you’ll find there will be more peace of mind if you do file.

Filing a claim isn’t anyone’s favorite thing to do, but every policyholder should know how and when to do it so that they are able to do so if the moment arrives. The bottom line is, if Paula Smith Insurance is your insurance agent, you know you can count on us to help you navigate the claim process and concerns. Contact us at (281) 488-8880 and we can help you get your claim filed and even follow up along the way to help keep you in the know

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