Claims assistance

6 steps

6 checklist items

Step 1: Secure safety, document the scene, and collect driver/witness details.

6 steps

6 checklist items

Step 1: Get a written estimate from your chosen repair shop before authorizing carrier direct repair program (DRP) only.

6 steps

6 checklist items

Step 1: Confirm total-loss status in writing and request valuation report plus comparable vehicles list.

6 steps

6 checklist items

Step 1: Photograph chip or crack and note date, location, and whether damage is spreading.

6 steps

6 checklist items

Step 1: Call police for any hit-and-run or injury accident and get a report number before leaving the scene.

6 steps

6 checklist items

Step 1: Confirm the policy includes an accelerated death benefit (ADB) or chronic/critical illness rider—read the rider schedule.

6 steps

6 checklist items

Step 1: Confirm policy issue date and determine whether claim falls inside contestability period.

6 steps

6 checklist items

Step 1: Obtain certified death certificate copies (often 5–10) matching the insured name exactly as on the policy.

5 steps

5 checklist items

Step 1: Locate policy details and confirm beneficiary information before submitting.

6 steps

6 checklist items

Step 1: Ensure occupants are safe; call fire department and obtain incident report and cause notes.

6 steps

6 checklist items

Step 1: Photograph roof, siding, gutters, and interior leak signs immediately after the storm window.

5 steps

5 checklist items

Step 1: Mitigate further damage first (water shutoff/tarp/temporary repairs) and document everything.

6 steps

6 checklist items

Step 1: Stop using drains and document standing water and affected rooms with photos and video.

6 steps

6 checklist items

Step 1: Shut off water at the main or appliance supply and run mitigation (fans, dehumidifiers, tarp) within hours.

6 steps

6 checklist items

Step 1: Document first itch, ear infection, or GI signs with dated vet notes before and after enrollment when possible.

6 steps

6 checklist items

Step 1: Confirm waiting-period completion and whether the condition is treated as chronic or pre-existing.

6 steps

6 checklist items

Step 1: Confirm waiting period completion and coverage eligibility before scheduling surgery.

5 steps

5 checklist items

Step 1: Visit a licensed vet promptly and collect full treatment notes.

6 steps

6 checklist items

Step 1: Compare Medicare EOB, provider bill, and supplement EOB line by line for each disputed service.

6 steps

6 checklist items

Step 1: Confirm whether the claim should be filed by provider, Medicare, or your supplement carrier.

6 steps

6 checklist items

Step 1: Ask the pharmacy or provider why the claim rejected—capture the PA or step-therapy code on the receipt.

5 steps

5 checklist items

Step 1: Confirm claim routing path (provider-filed or member-filed) with Medicare and supplement carrier.

6 steps

6 checklist items

Step 1: Photograph bites, bugs, and affected furniture with dates—seek medical documentation if needed.

5 steps

5 checklist items

Step 1: Ensure personal safety, notify landlord, and prevent further property damage.

6 steps

6 checklist items

Step 1: Provide first aid and document the incident scene with photos and witness contacts.

6 steps

6 checklist items

Step 1: Document visible mold with dated photos and note moisture source (leak, HVAC, window condensation).

6 steps

6 checklist items

Step 1: File a police report immediately for burglary or off-premises theft—get the report number before cleanup.

6 steps

6 checklist items

Step 1: Stop active water flow, protect belongings, and notify your landlord in writing immediately.