It is easy to file an insurance claim when you have a Texas Business Insurance policy! You do not have to be intimidated by the process or the terminology. When you were shopping for the best policy, you most likely already found an agent that you can trust. And now that you need to file a claim, your agent can help walk you through the process and answer any questions you might have along the way.

There are several steps that you will need to follow in order to file a business insurance claim.

Step 1: Notify Your Insurance Company. If your business suffers a loss, or if the property is damaged, your first step is to contact your insurance company. You should also contact your insurance company immediately if someone has filed a lawsuit against you or your business. If some kind of criminal activity or an accident is involved in the incident, you should also notify the local police.

Step 2: Review Your Policy. Take a few moments to review your Business Insurance attorney. Now that you are filing a claim, it is especially important that you know what your obligations are as well as the obligations of your insurance company.

Step 3: Evaluate the Loss. Make a list of everything that was lost, damaged, or stolen. This can facilitate the claims process as well as any police reports you may have to file.

Step 4: Locate Appropriate Documents. You will need all of your proof of ownership documents as well as any receipts that pertain to your current claim. If you are involved in a legal dispute, you should also gather any documents pertaining to the other persons involved in the lawsuit.

Step 5: Put it in Writing. After you make your initial call to your insurance company, you should follow-up with a written notice of your claim. It would be best for you to send copies of your documents to the insurance company via registered mail. This way, someone at the company will have to sign for the documents, and a receipt will be returned to you that proves your documents were delivered and received. The receipt will also have a date and time stamp on it, which will be useful if there is ever a question about the time line involved in the claim.

Step 6: Hire an Attorney if Necessary. If you find that you need to hire an attorney, it is important that you only do this after you have sent all necessary notices to your insurance company and have received confirmation that they have received your notice. Insurance companies will only cover legal expenses that incur after they have been notified of a claim. In other words, if you hire the attorney before notifying your insurance company, then the legal expenses will come out of your own pocket. However, if you follow the correct procedure and hire an attorney after you have notified the insurance company of your claim, then your legal expenses will be covered in accordance with the terms of your policy.

Step 7: You may find that you have to set a meeting with one of your insurance company's customer service representatives or claims adjusters. They can help you get a fair settlement for your claim.