30.1 F
Monday, October 26, 2020

Selzer: Claims process goes smoother with proper preparation

Sports Headlines

Chiefs Defeat Broncos, 43-16, in Complete Team Victory

Courtesy of the Kansas City Chiefs The Kansas City Chiefs defeated the Denver Broncos, 43-16, in a snowy matchup...

Kansas State Downs Kansas, 55-14, To Retain Governor’s Cup

Courtesy of Kansas Athletics MANHATTAN, Kan. – Kansas State took advantage of its special teams play Saturday in the first half to build an early...

Cats Cruise in 12th Straight Sunflower Showdown Win

Courtesy of K-State Athletics MANHATTAN, Kansas – Phillip Brooks returned two punts for a touchdown and set a school record with 189 punt return yards,...

KSHSAA High School Football Playoff Brackets Set

The 2020 edition of the Kansas State High School Activities Association Football Playoffs are set. Check out the brackets below from our partners at...

KNDY Area High School Football Scores – 10/23/2020

North Central Kansas League Clay Center 27, Council Grove 20 Concordia 41, Chapman 28 Riley County 38, Marysville 8 Wamego 62, Abilene 12 Twin Valley League 8-Man Axtell 68, Onaga...
Derek Nesterhttp://sunflowerstateradiocom.wordpress.com
Derek Nester was born and raised in Blue Rapids, and graduated from Valley Heights High School in May of 2000. He attended Cowley College in Arkansas City and Johnson County Community College in Overland Park studying Journalism & Media Communications. After stops at KFRM and KCLY radio in Clay Center, he joined KNDY in 2002 as a board operator and play by play announcer. Derek is now responsible for the digital content of Dierking Communications, Inc. six radio stations. In 2005 Derek joined the staff of KCFX radio in Kansas City as a production coordinator for the Kansas City Chiefs Radio Network, which airs on over 94 radio stations across 12 Midwest states and growing. In 2018 he became the Studio Coordinator at the Cumulus Kansas City broadcast center for Kansas City Chiefs Football.

With a little preparation, resolving a property claim with your insurance company does not have to be a frustrating, time-consuming process.

Being prepared with and keeping track of the information your insurance company needs to process the claim is critical. What you do before making the claim will help in reducing the time between the insurance incident and the resolution of your problem.

Here are some ideas to assist with the claims process:

  • Know your policy. Understand what your policy says. Because it is a contract between you and your insurance company, you need to know what’s covered, what’s not and what your deductibles are. Ask your agent to help you if you don’t understand the policy language.
  • File claims as soon as possible. Don’t let the bills or receipts pile up. Call your agent or your company’s claims hotline as soon as possible. Your policy might require that you make the notification within a certain time frame. That is one of several duties your policy might require of you.
  • Provide complete, correct information. Be certain to give your insurance company all the necessary information. If your information is incorrect or incomplete, your claim could be delayed. The company, by Kansas insurance laws, has, in most cases, 30 days to complete an investigation into your claim.
  • Keep copies of all communications. Whenever you communicate with your insurance company, be sure to document the communications. With phone calls, include the date, name and title of the person you spoke with and what was said. If you communicate with your company by email, retain the emails for future reference. This is also good for communication between you and your agent.
  • Ask questions. If there is a disagreement about the claim settlement, ask the company for the specific language in your policy that is in question. Find out if the disagreement is because you interpret the policy differently. If your claim is denied, make sure you have a letter from the company explaining the reason for the denial — including the specific policy language which caused the denial.
  • Don’t rush into a settlement. If the first offer your insurance company makes does not meet your expectations, talk with your local insurance agent or seek other professional advice.
  • Document auto/homeowners temporary repairs. Auto and homeowners policies might require you to make temporary repairs to protect your property from further damage. Document any damaged personal property for an adjuster to inspect. An easy way to do this is by photographing or videotaping the damage before making the repairs. Your policy should cover the cost of these temporary repairs, so keep all receipts.
  • Don’t make permanent repairs. A company might deny a claim if you make permanent repairs before the damage is inspected. If possible, determine what it will cost to repair your property before you meet with an adjuster. Provide the adjuster any records of improvements you made to the property, and ask him/her for an itemized explanation of the claim settlement offer.
  • Seek accident and health claims details. Ask your medical provider to give your insurance company details about your treatment, condition and prognosis. If you suspect your provider is overcharging, ask the insurance company to audit the bill, and verify whether the provider used the proper billing procedure.

Contact the Kansas Insurance Department (KID). If you continue to have a dispute with your insurance company about the terms of the claims settlement, contact the KID Consumer Assistance Hotline at 1-800-432-2484, or go to the website, www.ksinsurance.org, to use the Chat feature.

Kansas Headlines

UPDATE: Kids Located Safe – Kansas Amber Alert Issued For 2 Missing Girls

The suspect vehicle was located by the Oklahoma Highway patrol around mile marker 6 near Erick, OK. The suspect was detained...

KBI Investigating Officer-Involved Shooting in Montgomery County

MONTGOMERY COUNTY – The Kansas Bureau of Investigation (KBI) is investigating an officer-involved shooting that took place Friday afternoon in rural Montgomery...

Indictment: Man Stole 22 Firearms During Burglary at Kansas Pawnshop

KANSAS CITY, KAN. – A Kansas man was indicted today on federal charges that he stole 22 firearms from a pawnshop in Overland Park,...

Governor Kelly Announces 250 Jobs with New Empirical Foods Facility in Garden City

TOPEKA – Governor Laura Kelly Thursday announced the groundbreaking for a new Empirical Foods ground beef facility in Garden City. The planned facility, which is...

Governor Laura Kelly Announces $35 million in Rental Assistance to Keep Kansans in Their Homes, Businesses

TOPEKA – Governor Laura Kelly announced today that Kansans experiencing financial hardship due to the COVID-19 pandemic are eligible to receive up to...

Kansas News Service

‘It Is Not Sustainable’: Kansas’ Online Teachers Are Overworked And Quitting

WICHITA, Kansas — Less than a week into the new school year, the warning came: the school district’s COVID-19 learning plan expected too much from...

Kansas Nursing Homes Still Waiting On Coronavirus Testing Gear From The Feds, And Can’t Afford Labs

By Celia Llopis-Jepsen - Kansas News Service Phillips County Retirement Center got a coronavirus testing machine this month from the U.S. Department of Health and...

Scathing Federal Inspection Pulls Curtain Back On One Of Kansas’ Deadliest Coronavirus Outbreaks

By Celia Llopis-Jepsen - Kansas News Service At a Kansas City, Kansas, nursing home, employees tested positive for COVID-19 and went back to work the...

Federal Prosecutors Defy Court Order In Cases Over Attorney-Client Recordings In Leavenworth

By Dan Margolies - Kansas News Service The U.S. Attorney’s office in Kansas City, Kansas, says it will no longer cooperate with cases brought by...

Emails Show Kansas Agencies Helped Keep Meatpacking Plants Open Despite Concerns About Coronavirus

By Corinne Boyer - Kansas News Service GARDEN CITY, Kansas — In mid-May, Finney County’s top public health physician sent an email to state health...