
The claims process typically begins when an insurance customer (insured) contacts their insurance company (insurer) to report a loss. This could stem from a catastrophic event (large community fire or named storm) or a more isolated incident (water heater leak). The insurer processes the claim using its internal field adjusters, customer service representatives, and desk adjusters. They also pay their preferred vendors – the contractors hired by the insurance company – to assist in determining the value of affected items...