According to the Federal Emergency Management Agency, 40% of small and mid-sized businesses never reopen after a disaster. The reason? Many assume their insurance policy alone will safeguard them, but without a clear plan in place, navigating the insurance claim process can be full of costly setbacks.
From lost business records to slow payouts, businesses often struggle to secure the compensation they need to rebuild. Navigating the insurance claim process alone can be filled with unexpected roadblocks.That’s why being prepared is just as critical as having commercial insurance coverage.
At Robertson Insurance, we take a proactive approach. We help you prepare for the insurance claim process so that when the unexpected happens, you’re ready. In this guide, we’ll break down the most common claim processing issues, the benefits of working with a claim advocate, and how to ensure the fastest possible resolution.
Read on to learn how to protect your business—or contact us today to start planning before you ever need to make a claim!
Schedule a Free Consultation
Common Setbacks When Making a Claim
Filing an insurance claim should be straightforward, but many businesses face frustrating setbacks. The cause of bottlenecks after making a claim include missing paperwork, miscommunication, and adjuster backlogs. The real issue is a lack of preparation before a disaster happens. Proper preparation can help businesses avoid these common claim roadblocks and speed up the approval process.
- Complex Paperwork – Claims often stall due to missing or incomplete documentation. Lost or incomplete records are one of the biggest reasons claims get stalled. Businesses that don’t have digital backups of financial records, contracts, or inventory lists often face prolonged claim processing times, making recovery far more difficult.
- Miscommunication Issues – Miscommunication Issues – Insurance policies contain legal and technical jargon that can be difficult to interpret. Our team makes sure businesses receive clear explanations and guidance at every stage of the claims process.
- Policy Confusion – Many policyholders assume their insurance will cover all business-related losses after a disaster, but business interruption insurance is often a separate coverage. Without it, businesses may struggle to cover payroll, rent, and operational costs while waiting for their claim to be processed. For a deeper understanding, read our article on Navigating Business Interruption Insurance in the Post-Pandemic World
- Adjuster Backlogs – When many businesses make a claim at the same time, they can be left waiting weeks for a response. We help escalate claims when necessary and ensure everything is submitted correctly the first time to avoid unnecessary holdups.
- Lack of Dispute Support – When insurers undervalue or deny claims, businesses often lack the resources to fight back. Robertson Insurance advocates on behalf of our clients, challenging unfair assessments and securing fair settlements.
Contact Robertson Insurance today and take control of your insurance claim process!
Why a Claim Advocate Is the Key to Faster Resolutions
The insurance claim process can feel like an uphill battle, especially when businesses don’t have someone in their corner. From understanding policy details to negotiating fair payouts, every step requires precision. That’s why partnering with a claim advocate is essential and provides the following key benefits:
- Custom Claim Guidance – Every claim is different, and missteps can lead to setbacks or denials. We provide personalized claim strategies tailored to your business, ensuring every detail aligns with your policy coverage.
- Expert Policy Insights – Policy wording can be confusing, and insurers may interpret it in ways that minimize payouts. Our claim advocate helps you navigate exclusions, hidden clauses, and coverage limits so you get the compensation you deserve.
- Faster Dispute Settlements – If an insurer undervalues or denies your claim, we support you as you fight. We leverage our industry expertise to challenge unfair assessments and secure a fair resolution when you file a claim.
- Simplified Claim Management – Managing a claim while keeping your business running can be time-consuming. We streamline the process by organizing documentation, coordinating with adjusters, and ensuring timely follow-ups so you can stay focused on operations.
- Transparent Communication – Many complications happen due to poor communication between businesses and insurers. Our claim advocate helps you make sure every step is documented, every deadline is met, and every update is clearly communicated, eliminating unnecessary setbacks.
Contact Robertson Insurance today and let our claim advocates help you secure the fastest, fairest resolution possible.
Contact an Insurance Expert
Partner with Experts Who Simplify Claim Processing Steps
Many insurance providers consider their job done once a policy is issued, but we take it further. We help our clients prepare before a claim ever happens by identifying potential risks, streamlining documentation, and developing a proactive claims strategy. When an actual loss occurs, we guide businesses through the claim processing steps and ensure that payouts align with what policyholders are entitled to receive.
We’ve seen firsthand how businesses with strong claim preparation recover faster than those that are forced to piece everything together at the last minute. Whether it’s safeguarding essential records or securing additional coverage, our team helps you get an efficient resolution. With this proactive approach to accelerating each claim processing step, we help businesses eliminate unnecessary obstacles.
Contact us today and get the support you need to protect your business at every step of the insurance claim process.