Living in Centennial, CO, most people are just trying to make the best of every day. Unfortunately, bad things sometimes happen, and those bad things can come with additional issues, like liability claims.

If you are on the hook for liability damages, or if you think you’re at risk of liability damages, you want to get your insurance involved. At Atrium Insurance Group, we see these scenarios a lot, so we’ve made this guide to help you understand how an umbrella insurance claim works.

How Do Umbrella Insurance Claims Work?

Notify Your Provider

When you make an umbrella insurance claim, it starts with notifying your insurance provider. As soon as you think that you need to make a claim, then go through that process. This could be because you were served with court papers. It could be because you believe such an event is on the way.

When you contact your insurance provider, they will discuss with you what your coverage is and what process is necessary to file the claim. Ultimately, they will pair you with an insurance adjuster, and that person will be your primary resource for the claims process.

Work With Your Adjuster

Once you are paired with your adjuster, they can manage the claim (or even multiple claims). For starters, they will review the situation and see if you need an umbrella claim at all. Many insurance policies (including auto and home policies) include a certain amount of liability coverage. You will only need an umbrella claim if your liabilities exceed the other policies.

If that is the case, the adjuster will stay with the case through to its conclusion. Liability damage usually comes at the end of legal proceedings. You may have to go through a civil court or settlement process, and at the end of that, you will know the exact liability damages. Your adjuster will stay in the loop so that they can distribute your coverage as needed.

We Are Here To Help!

Naturally, any liability case, and each insurance policy, will be unique. There is no exact set of steps, but this is the general process you can expect. So, if you want to ensure that you have good liability coverage in Centennial, CO, contact your Atrium Insurance Group representative to review your coverage and options.