Displaced policyholders should also be sure to update their contact information with their insurer as soon as possible, and anyone without a mailbox should open a post office box that they can use consistently for the years to come as they go through the insurance claims process, the panelists said.
Once assigned an insurance representative, policyholders should also request copies of all policies, which come with a one-page declaration that summarizes key policy terms and limits, and any riders or endorsements, which serve as add-on coverage, panelists said.
Once a policyholder is assigned a claims representative, the policyholder should store their insurance representative’s name, email, and phone number, because that individual will serve as a “go to” contact for any questions, Riddle said, but she warned that those representatives may not always be helpful.
“They often push back, they often act as your adversary,” she said. “Do not let them forget that you have a contract with them. They must treat you in good faith, and they must treat you fairly.”
