Claims, Claims, Claims-What your agent did NOT tell you.

In last month or so, I’ve had 2 vastly difference scenarios with 2 different insurance carriers, both “name brands.”  I’ve changed the name to protect the guilty!  It’s sad that the scenario happened, but the claims service you receive from your insurance carrier can be vastly different from one carrier to another.

Insurance Company A-Client files a home claim Oct 5. They drag their feet and finally send out an adjuster on Oct 31. However this adjuster is not an employee of Brand A, they are a ‘independent adjuster’ who is not allowed to bring the claim to completion (and submit payment to the insured). They are allowed (by law) to take 10 days to complete the claim after inspection. The took the entire 10 days to process the claim and the check. Claim closed Nov 9
**Process time from claim filing to claim closed—-
**35(THIRTY FIVE DAYS)

Farmers client (my insured). Files home claim Nov 8th. Due to high claims volume from the Liberty hail storms 2 weeks ago, our adjuster (who is a FARMERS employee), works OVERTIME on a SUNDAY. Client gets their check in hand before the adjuster leaves their home on Sunday Nov 13.
**Process time from claim filing to claim closed—-
**5 (FIVE) DAYS.

If you know of someone who has had a claims ‘runaround’ those are great referrals for me. We are proud of our company, offer great service, take care of our clients, and most importantly proud of our claims service. #WeAreFarmers