Home insurance and catastrophic loss

Customer service may not be the first thing you think about when you are evaluating Michigan home insurance quotes, but it absolutely should be somewhere in the mix. Why?  Because if the worst happened and you suffered a huge catastrophic loss, you are going to find that it is very important, after all.

 

You are really buying protection, if you think about it, and the most protection you will need is if a weather event or a fire takes your home entirely.  If that happens, do you have enough replacement value specified in your policy? Have you updated it recently to reflect any market condition changes in your area? Are you sure you have sufficient coverage?  You may want to contact your local contractor to provide you an estimate you can give to your insurer if it is more than what the carrier specifies.

 

And then, what of the carrier’s customer service in a disaster? How is that set up? Is it easy to get in touch with someone by phone 24 hours a day and seven days a week?

 

When you do talk to them, are they courteous and compassionate? Do they go the extra mile to make sure you have what you need?

 

When the worst happens, emotions can run high and people who have suffered a loss don’t always remember the niceties. In that case you really do want to work with an understanding carrier rep, one who gets how hard it is and that you are going to be upset.

 

Another issue is how easy it is to file a claim. Suppose you do not have easy access to a computer or to the internet. Does the company have contingency plans to allow you to file a claim by phone?

 

How fast will they cut a check and get it to you if you need emergency food and shelter? How fast is their response time for other claims you may file? These are all questions that you will want to know the answers to as you make your decision.

 

One way to check out customer service ratings is via one of the many consumer review sites. Sometimes the company will even have its own review site. It is worth the time to page through what current customers are saying so that you know what to expect.

 

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