What Not to Say When Making a Home Insurance Claim
When filing a home insurance claim, every word a person utters is vital and taken into consideration by the insurers.
Every sentence is made for an official statement would be reviewed over and over again.
And saying the wrong things would usually make the whole process harder.
Hence, it is important for every homeowner to learn exactly what not to say when making a home insurance claim.
Don't Say: "I believe...
" This particular phrase along with others like "In my opinion...
" or "I think...
" is a bad way to start any official statement.
The statement denotes a sense of doubt that makes insurers even more suspicious than they already are.
Since insurance companies can be very strict when they need to be, and more often than not, every word uttered by the insured is thoroughly analyzed to make sure that they deserve the check.
Say: "I don't know" When insured individuals are asked a question they don't how to answer, then saying "I don't know" is not a problem.
It is always best to state exactly what the facts are instead of going into speculations that may be quoted back and delay the process.
Don't Say: "I am so sorry" Saying sorry basically translates to an admission of guilt.
For most people, the statement makes it sound like a person has something to be sorry about, which loosely translates to them doing something wrong.
Insurers are very sensitive about this statement that seems like common courtesy for some people, but the truth is that sticking to the facts - without involving too much human emotion in the statements - is the best way to go.
Say: "It's not my fault" For some people, the statement sounds a bit defensive and could be included in the list what not to say when making a home insurance claim.
The fact is that insurers like to hear their client stating that they are not at fault when it is the absolute truth.
Of course, this statement should again, be supported by the facts and not guesswork from the insured individuals.
Don't Say: "Mail the check" or "Send the check" Basically, all phrases that make eagerness for the funds visible should be avoided at all costs.
Although the phrase in itself is not wrong since the insurance claim will be used to pay some of the damages, over eagerness can sometimes be a cause of alarm for insurers.
Hence, instead of a straightforward insurance claim, further investigation may be done, which would delay the whole transaction.
For this part, subtlety is very necessary and therefore, no exact phrase is coined.
More often than not, stating exactly what happened without involving any guesswork is enough for insurers.
Although insurers usually investigate as a precaution, learning what not to say when making a home insurance claim could speed up the process overall.
Every sentence is made for an official statement would be reviewed over and over again.
And saying the wrong things would usually make the whole process harder.
Hence, it is important for every homeowner to learn exactly what not to say when making a home insurance claim.
Don't Say: "I believe...
" This particular phrase along with others like "In my opinion...
" or "I think...
" is a bad way to start any official statement.
The statement denotes a sense of doubt that makes insurers even more suspicious than they already are.
Since insurance companies can be very strict when they need to be, and more often than not, every word uttered by the insured is thoroughly analyzed to make sure that they deserve the check.
Say: "I don't know" When insured individuals are asked a question they don't how to answer, then saying "I don't know" is not a problem.
It is always best to state exactly what the facts are instead of going into speculations that may be quoted back and delay the process.
Don't Say: "I am so sorry" Saying sorry basically translates to an admission of guilt.
For most people, the statement makes it sound like a person has something to be sorry about, which loosely translates to them doing something wrong.
Insurers are very sensitive about this statement that seems like common courtesy for some people, but the truth is that sticking to the facts - without involving too much human emotion in the statements - is the best way to go.
Say: "It's not my fault" For some people, the statement sounds a bit defensive and could be included in the list what not to say when making a home insurance claim.
The fact is that insurers like to hear their client stating that they are not at fault when it is the absolute truth.
Of course, this statement should again, be supported by the facts and not guesswork from the insured individuals.
Don't Say: "Mail the check" or "Send the check" Basically, all phrases that make eagerness for the funds visible should be avoided at all costs.
Although the phrase in itself is not wrong since the insurance claim will be used to pay some of the damages, over eagerness can sometimes be a cause of alarm for insurers.
Hence, instead of a straightforward insurance claim, further investigation may be done, which would delay the whole transaction.
For this part, subtlety is very necessary and therefore, no exact phrase is coined.
More often than not, stating exactly what happened without involving any guesswork is enough for insurers.
Although insurers usually investigate as a precaution, learning what not to say when making a home insurance claim could speed up the process overall.
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