Claims & Disputes
Public adjusters: what they do and when to hire one
A licensed professional who represents the policyholder rather than the insurer, paid a percentage, useful in some situations and not others.
Topic
claims
Every Premium Policy Plans article tagged claims — 11 pieces across 4 sections.
Disability & Income
Long-term care claims and why they get denied
A benefit claimed decades after purchase, frequently by someone no longer able to manage the process themselves.
Disability & Income
Independent medical examinations and how to handle them
An examination arranged and paid for by the insurer, conducted by a physician they selected, whose report frequently decides the claim.
Claims & Disputes
The examination under oath and other formal requests
A contractual right insurers hold to question you formally, which appears in larger claims and should be taken seriously.
Disability & Income
Returning to work on a disability claim
The provisions that determine whether attempting a return costs you your benefits, and what to check before you try.
Claims & Disputes
Documenting a claim so the record supports you
Claims are resolved on the file. Building a good file is a skill, and it is mostly about doing dull things consistently.
Home & Property
Water damage: covered, excluded, and the line between
The most common homeowners claim and the most frequently disputed, because coverage depends on where the water came from and how fast.
Home & Property
Home inventories and proving what you owned
After a total loss you will be asked to list everything you owned, from memory, while displaced. Doing it in advance takes an afternoon.
Auto Insurance
After an accident: the first hour and the next month
What to do at the scene, what to say, and what determines how the claim resolves.
Claims & Disputes
How to file a claim so it gets paid
From someone who spent eight years on the other side of the phone: what actually determines whether a claim goes smoothly.
Disability & Income
Own-occupation versus any-occupation disability cover
The definition of disability in the policy determines whether a claim is paid, and the difference between two phrases is the difference between coverage and none.