Insurance Claims Assistance in St. Maarten

Claims Information

An advisor can explain the processes and documents an insurer may ask for when a claim is made.

Documentation

An advisor can help gather records such as medical reports, police reports and other documents. After a storm, this may include dated photos of damage, repair estimates and receipts.

Communication with the Insurer

An advisor can help pass information between you and the insurer’s claims adjuster.

Following Up

An advisor can help follow up with the insurer on the status of a claim.

Claims support

Why Claims Assistance May Be Considered

The claims process can feel complicated, particularly after a significant loss. Some policyholders find it useful to speak with an advisor who can explain the steps, help with documents and relay updates. Whether a claim is paid, and how much, depends on the policy wording and the insurer’s assessment.

What is Claims Assistance?

Insurance claims assistance is guidance for policyholders when an accident, loss or mishap occurs. It can include:

• Information on documentation and processes that may be required
• Help gathering records such as police reports
• Communication between you and the insurer
• Passing on status updates when the insurer provides them
• Helping provide the insurer with the information it asks for

If you have been in an auto accident, experienced a home burglary or had another loss that your policy may cover, an advisor can talk through what you might do next. Assistance may be useful where a claim is more complex, for example when it involves extensive damage, injuries or questions of liability.

How Claims Assistance May Help

• It may help with the logistics of a claim while you attend to other matters
• It may help keep communication with the insurer organized
• It can provide information on the documentation an insurer requires
• It can pass on status updates, depending on what the insurer provides

Claims assistance in practice

Speaking With a Claims Advisor in St. Maarten

When speaking with an advisor about a claim, you may wish to ask:

• Which documents the insurer typically requires
• What the next steps are at each stage
• How records such as medical paperwork and police reports can be obtained
• How and when updates are usually received
• Who to contact with questions about the claim

If you experience an accident, loss or damage, you can contact your insurer or your advisor to ask about the claims process. Policies may set time limits for reporting a claim, so it can be useful to check your policy wording.

Claims After a Storm or Loss in Sint Maarten and Saint Martin

Atlantic hurricane season runs from 1 June to 30 November, and Hurricane Irma in September 2017 caused widespread damage on the island. After a storm, many policyholders may need to contact their insurers at around the same time, so it can help to be organised. If it is safe, photograph or film the damage before cleaning up or making repairs, keep damaged items where practical, and keep receipts for temporary repairs. Contact your insurer and your advisor as soon as you reasonably can, since insurers can have their own deadlines for reporting a claim and sending documents, which are set out in the policy wording. If a policy is written in US dollars or another currency, the sums insured and any payment are stated in that currency. The same approach applies to a claim in Philipsburg, Cole Bay or Simpson Bay, or anywhere else on the island.

Steps often taken after storm damage are summarised on the hurricane insurance page.

Contact Us About a Claim

If you have had an accident or a loss, you can contact Enterprise Insurance to discuss your situation. An advisor can explain the general claims process, help gather documents and communicate with your insurer. The outcome and timing of a claim depend on the insurer and the policy. Contact us to speak with an advisor.