Tips for successfully filing personal liability claims
When the unthinkable happens, it pays to be prepared.
You never imagined a day like this would come. Without warning, the unthinkable happens. A guest or roommate sustains injuries while in your home. In the bustle of the action, it is important to remain composed and take proper measures to document the event. Preparedness and documentation rest at the center of every successfully filed personal liability claim.
To prepare your file, consider the following:
What happened? Take a moment to create an accurate and detailed description of events. This may involve compiling the insights of multiple guests at the scene of the incident. Even the smallest details may be pertinent to your claim so it is better to be too thorough than too vague.
Who was involved? Collect detailed information of those involved in the accident, most importantly the contact information of the injured parties. It may be necessary to contact these individuals throughout the process of your filing.
Where did it occur? Depending on the location of the event, your personal renters insurance may cover damages. In other instances, the coverage may be provided by the landlord’s insurance. To settle any ambiguity, be as specific as possible about the location of the incident.
How was it handled? Some emergencies simply can’t wait. In those cases, it may be necessary to have the problem resolved before you are able to complete a claim. It is important to keep record of how the problem was handled. Did you call a taxi or ambulance? Which hospital was the injured party taken to? Did the incident make the rental uninhabitable for any duration of time, forcing you to stay in a hotel? It is vital to keep all receipts as they will determine your reimbursement. Insist upon receiving receipts when none are offered.
Take photographs. Use photographs as part of your documentation package. Images from a camera phone suffice as well as any. It may be helpful to add captions or descriptions for each of the photos to help processors understand what they are seeing in each image. Do not alter photos.
Your Resident Shield renters insurance representative is here to assist you every step of the way. Simply contact us to have your questions answered.