An insurance claim is a request to an insurance company to pay for a loss. After an insurance claim is requested or filed an evaluation process will begin to determine if the loss is the responsibility of the requested insurance company. Insurance explanations of benefits can often be difficult to decipher, and it can be frustrating to open an envelope and find only a piece of paper when you were expecting a check.


While insurance companies can make mistakes, there are plenty of things you can do to minimize the chances of claims being rejected when they should be processed.

In respect of insurance of property, it is important that the cover is taken for the actual value of the property to avoid being imposed a penalty should there be a claim. Where a property is undervalued for the purposes of insurance, the insured will have to bear a ratable proportion of the loss.