When you have suffered a big loss, one thing becomes vitally important and that is customer service. It should be front and center in all your evaluations of Illinois home insurance quotes. But it is not always thought of in that way, simply because it is difficult to put ourselves in the shoes of someone who has suffered a big catastrophic loss, not when everything is going well.
But access your imagination and try, so that you can think ahead and have the kind of coverage that really counts in a disaster.
So what would some of your concerns be?
First, that you have emergency shelter, food and clothing. You will want to be able to buy the necessities in order to survive. Find out if your policy covers this and how easy it is to get a check to cover those expenses early in the experience.
What about filing claims for other damages and loss? How easy is it to file a claim if you are faced with a natural disaster and don’t have easy internet access? What provision is made for that kind of a situation?
Can you reach a live person easily and during what hours?
One of the most important things and one that is something not considered is how customer service oriented the carrier is. In a big catastrophic loss, emotions are going to run high. People who have had a trauma like that are not always going to be calm. They may be upset, nervous, angry and emotional. You want your carrier to have well-trained customer service representatives who know how to calm customers in that situation and also how to fast track assistance to them.
The biggest loss other than human loss would be if you had to replace your house. Now is the time to check replacement value and to make sure it is sufficient should the worst happen. Many people assume that they can rebuild exactly as before, but if your insurance doesn’t provide enough reimbursement for that kind of loss, it may not be possible. Make sure you have covered that issue in your policy.
Be sure the check consumer review sites for first-hand descriptions of how it is to work with a carrier. It may make a big difference in an emergency.