• Review the policy terms: You should fully understand what your policy covers and what exclusions exist. Knowing the specifics will help you negotiate from an informed standpoint.
• Be aware of limits and deductibles: Make sure you understand the deductible and any maximum payout limits, if any.

• Detailed records: Keep detailed records of all communications with the insurance company. This includes dates, names of representatives spoken to, and what was discussed.

• Follow up regularly: Stay proactive and follow up regularly with the insurance company for updates on your claim.
• Remain calm and professional: Politeness and professionalism go a long way, even if the process becomes frustrating. Avoid confrontation, and focus on facts.

• Ask for justification: If the insurance company provides a low estimate or denies part of the claim, you should ask for a detailed explanation in writing!

• Challenge discrepancies: If there are discrepancies between the adjuster’s evaluation and your understanding, you have the right to question and negotiate.

• Know the dispute resolution process: Familiarize with the dispute resolution procedures outlined in your policy in case you cannot reach an agreement.
• Seek legal or professional help: If negotiations stall or the insurer denies the claim, you can consider involving a public adjuster, consumer advocacy groups, or an attorney specializing in insurance claims.

• Know claim deadlines: There are usually deadlines for filing claims and providing supporting documentation. Make sure you meet all deadlines to avoid the risk of your claim being denied.
• Follow up on your deadlines: You also have deadlines for responding to claims. Be aware of these and accountable for timely responses.

By providing your customers with this guidance, you’ll help them better navigate the claims process and increase their chances of getting a fair resolution from their insurance company.