Your claim responsibilities and rights

Your responsibilities

  • Cooperate with the investigation.
  • Be ready to prove the loss - show your receipts.
  • If you don't have receipts, show photos of the damaged or missing items.
  • Submit the information your company requests in a timely manner.
  • Keep complete copies for your reference.

Your rights

You're entitled to:

  • A clear explanation of what's covered.
  • An itemized statement outlining how the company will pay your claim.
  • A prompt response from the company.
  • Timely payments and a claim decision. 
  • An appraisal if you disagree with the amount of your loss.
  • You can work with the adjuster your insurance company sends or you can hire a public adjuster (a licensed person who works on your behalf to appraise and negotiate your property-insurance claim).

NOTE: Before you hire a public adjuster, make sure they are licensed in Washington state.

Updated 03/27/2014

See also

Need more help?