When you report a claim, the first step is to establish exactly what happened and how much the damage amounts to. We call this process damage assessment. For this, the insurer may hire an expert to assess the situation and prepare a report. In some cases, it is enough to send photos or documents as evidence.
A correct damage assessment is important for the smooth handling of the case. It determines what amount is eligible for compensation and whether the claim falls within the terms of the insurance policy. In case of doubt, as an insured, you can sometimes have a counter-evaluation carried out yourself to arrive at an objective assessment.
Disclaimer
This page is part of a lexicon and does not provide product information or contractual details on insurance services. For specific information, please refer to the official documentation or contact your insurance agent.
