Understanding Your Insurance Documents When Making A Claim

When faced with a property damage insurance claim, the first crucial step is to obtain a complete, true, or certified copy of your insurance policy. This essential document provides the foundation for determining coverage and limitations for your claim. It is the first document a good attorney or public adjuster requests.

The Insurance Declaration Pages Are Not Enough

The insurance declaration pages, often just a broad outline, typically span about eight pages. However, the full insurance policy, which includes all the specific terms and conditions, usually consists of 30 to 40 pages. Relying solely on the declaration pages can lead to misunderstandings about your coverage.

The Role of Endorsements

Endorsements are amendments to your policy that can add, remove, or alter coverages. These modifications are crucial to understanding the exact nature of your insurance protection. Always review the policy in conjunction with all its endorsements to get a clear picture of your coverage.

Annual Changes in Policies and Endorsements

Insurance policies and endorsements can change annually. The coverage you purchased years ago may not be the same today. Regularly reviewing and understanding these changes is vital to ensure you have the protection you need.

The Complexity of Insurance Policies

Unless you are an insurance attorney or a public adjuster, the fine print of your insurance policy can be challenging to decipher. First-party plaintiff attorneys are well-versed in the latest case law and can interpret policies based on recent court decisions. Public adjusters, continually educated by knowledgeable attorneys, also provide expert interpretation to serve their clients’ best interests.

How to Get a Copy of Your Insurance Policy

Policyholders often mistakenly believe they can obtain a complete copy of their policy from their insurance agent. Typically, agents only have the declaration pages. To get a true and certified copy of your full insurance policy, contact your insurance company directly by phone or in writing.

Get Expert Insurance Claim Help Today

Understanding your full insurance policy, including endorsements and annual changes, is crucial for successfully navigating property damage claims. By securing a certified copy of your policy and seeking expert interpretation, you can ensure you are fully aware of your coverage and limitations.

Don’t navigate the complexities of your insurance policy alone. Contact Advocate Claims for a no-obligation review of your insurance claim, call 954-978-0886. Our experienced public adjusters are here to help you understand your coverage and maximize your claim. Reach out to us today and ensure you’re fully protected.