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When disaster strikes, whether it’s storm damage, a fire, or a burst pipe, filing an insurance claim can be overwhelming, especially for elderly parents or family members who may struggle with the process. The good news is that yes, you can help your parents (or someone else) file a property insurance claim. There are important steps and legal considerations to keep in mind first.
Step 1: Check the Policy for Authorization Rules
Insurance companies typically require the named policyholder to file and manage claims. Many insurers will allow a third party such as a family member to assist, as long as that person is properly authorized. Look for a section in the policy about "authorized representatives" or "power of attorney," and if the language is unclear, call the insurer and ask what it requires before you make any other calls on your parents’ behalf.
Step 2: Get Written Permission (If Needed)
Most insurers will let you assist your parents in filing a claim, but they may require one of the following:
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A signed letter from your parents stating that you have permission to communicate with the insurance company on their behalf.
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A Power of Attorney (POA) if your parents are unable to manage the claim due to health reasons. It is better to put a power of attorney in place before it is needed.
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An Authorized Representative Form, which some insurers provide for temporary claim assistance.
Step 3: Gather Key Information for the Claim
Before filing, make sure you have:
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The insurance policy number and a copy of the policy.
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A detailed description of the damage or loss.
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Photos and videos of the damage taken before any repairs are made.
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Receipts or estimates for repairs and damaged property.
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A list of damaged or stolen items with approximate values.
Step 4: File the Claim
You can typically file a claim by phone, through the insurer’s online claim portal, or through your parents’ local insurance agent if they have one. Whichever route you take, tell the insurer upfront that you are handling the claim on your parents’ behalf. Sorting out authorization at the start avoids a much larger problem later, when the adjuster will not discuss the claim with you.
Step 5: Follow Up and Manage the Claim
Once the claim is filed, keep a record of every conversation with the insurance company, including dates, names, and what was said. Get the adjuster’s contact information early, too.
Schedule the inspection with the adjuster and be present if you can, so you can point out damage that might otherwise be missed. When a settlement offer comes in, review it carefully before anyone accepts it. If it seems too low, you can negotiate or bring in a public adjuster.
Final Thoughts
Helping your parents file a property insurance claim can save them time, stress, and potential missteps. Check their policy, get the necessary permissions in writing, and stay organized throughout the process.
If you’re unsure about any part of the claim, a claims expert or public adjuster can help. The Maryland Insurance Administration’s guidance on homeowners claims covers what a public adjuster does and what to check before letting anyone represent a claim that is not theirs.
