Homeowners
Insurance Profile
Because we understand the important investment you have in
your home, we will take every opportunity to keep your policy information
up to date. This is part of an internal process called the "Continuous
Learning Loop". It is a service we provide as part of our efforts
to develop our Customer Profiles, and involves underwriting information
which is crucial in determining if your home is properly insured.
If you do have a claim we will use the situation to update your current
Insurance Profile.
Investigation
All losses require an investigation to determine if we are
allocating all applicable coverage to your loss. The extent and type
of investigation is determined by many factors, and will be explained
to you at the onset of the investigation stage.
Inspection
Many claims require an inspection to properly investigate
and assess the damage or loss. Whether or not an inspection is required
will be determined when you report a loss, or during the initial contact
with the claim representative. If an inspection is required, a member
of our Field Services Division will set up an appointment to meet
with you and inspect the damages. We invite you to have your contractor(s)
present during this inspection. In many instances, we can prepare
a damage estimate and issue you a settlement check at this time.
Many losses involve physical damage to your home or related structures.
An accurate damage assessment is a critical and challenging step in
the claims process. This assessment can be performed either by one
of our Field Service Representatives or an Internal Claim Representative.
In some cases there may be additional damage which was not initially
identified. Such cases will be examined and resolved as they arise
even if noted after the original settlement.
Loss
Settlement
Your loss settlement will occur as soon as the investigation
and the damage assessment have been completed. This is the time when
we issue checks and complete the final reports. The length of time
it takes -- from the initial reporting of a loss to the settlement
-- relies heavily upon what type of loss you have sustained. Some
losses can be settled within hours. Loss Settlements are designed
to act as resolutions to your claim. (This does not mean, however,
that if additional covered items are later identified they will not
be taken into account on the claim).
Customer
Surveys
Once the Loss Settlement portion of the claim has been completed,
we will send you a Customer Satisfaction Survey. This is your opportunity
to tell us how we did. We provide you with a variety of media to aid
you in taking this opportunity -- you select the one most convenient
for you. We hope you will take a few moments to complete this survey.
Your input is important to us, and will enable Homesite to continue
to provide the highest level of service to you, our valued customer.
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