I have considerable experiences in dealing with different type of insurance claims. I think, the basic procedures in dealing with insurance claims and processing the same are somewhat the same in U.S.A as well as other parts of developed & developing countries. Sometimes insurance companies pretend that they are much customer-friendly, fast & fair in dealing with claims, service-oriented, dedicated, particularly at the time of selling their insurance policies until you pay the premium on regular basis.
I should say, they exploit every opportunity in turning your claim down.
After all they are here in the business for gaining some profit out of extending services to the policy holder. Nobody ever deny that insurance industry has got some social responsibilities in rendering some noble services to people in distress and their financial sufferings just after the mischances that wipe the valuables and peace out of their life.
1. Before buying a insurance policy, may it be car insurance or homeowner insurance or health insurance or life insurance or travel insurance, always read carefully some important documents such as proposal form with terms & conditions. Make sure you understand some basic terms like policy excess or deductible, exclusion, limitations etc. and what sort of risks or perils (more specific risk) you are going to get.
2. Have a review of all the materials you preserve and talk to company representative. Ask for any clarification you may have regarding deductibles, exclusions(some perils are always out of the scope of policy coverages), insurable interest(legal ownership), warranty, important terms & conditions, extra premiums for additional coverages that are basically not covered, any discount that you deserve and make sure you have proper representation in the proposal form so that your insurance company never ever get any scope of repudiating or turning down any of your future claim just because of flaw in your proposal form.
3. Preserve all important documents such as bills,receipts,doctor’s prescriptions, reports, photographs of properties, copies of correspondence with insurance company(if any) and make duplicate copies of those.
4. If possible, make an inventory of all insurable contents and properties with still photography and videotape (in case of homeowner insurance policy)