How a claim is actually assessed, step by step
From the outside a claim feels like a decision somebody makes about you. From the inside it is a sequence of checks, each of which either passes or asks you a question.
The sequence
- Validation: is the policy live and the event covered
- Evidence: photographs, receipts, reports, statements
- Assessment: a figure agreed with a loss adjuster
- Settlement: repair, replacement or payment
Delays almost always happen at step two, and almost always because a document is missing. Send everything you have at the start, even the parts that feel irrelevant.
1 min read
Nadia writes about personal insurance, claims and the small print most people never read. She has spent twelve years helping families pick cover that actually pays out.
More Posts by Nadia Okafor
Sending everything up front is the tip. My claim stalled three weeks over one missing receipt.