How to Help Clients Following a Catastrophic Event
Posted by: Agent Hub
As an insurance agent, you are there for your clients during some of the most difficult times of their lives. So when a catastrophic event occurs, it’s important that you know the best ways to help your clients. Learn the most effective way to help your clients following a catastrophic event below.
Ensure Everyone Is Safe
Safety is the No. 1 priority following a catastrophic event. If your clients contact you immediately following a loss, first make sure everyone is safe. Advise your client to seek the necessary emergency assistance if anyone needs medical care.
Evaluate the Property
Once everyone is safe, your client should evaluate their property. If they can and need to, your clients should make any reasonable, temporary repairs to their home to prevent further damage. Taking a detailed inventory (including photographs) of valuables inside of the home will make the recovery process as easy as possible.
Send Necessary Claim Forms
Following a catastrophic event, your client will need to file the necessary claim forms. While clients should be able to do so over the phone, you can help them by ensuring they have the following information ready:
- Policy numbers
- Date losses occurred
- Contact information
- Secondary contact information
Set Up an Inspection
Immediately after the claims forms have sent and filed, an inspection of your client’s home should be completed. You can help prepare for this by having your client create a list of any structural damage their home incurred to show the adjuster. Your client should keep any damaged items, as well as receipts for repair costs to show the adjuster too.
Discuss Term of Settlement
Following the steps above, a settlement will be reached and payment should be sent to your client as soon as possible.