Claim Insight: Can I Help My Parents File? How to File a Property Insurance Claim on Behalf of Someone Else

When disaster strikes—whether it’s storm damage, a fire, or a burst pipe—filing an insurance claim can be overwhelming, especially for elderly parents or family members who may struggle with the process. The good news? Yes, you can help your parents (or someone else) file a property insurance claim, but there are important steps and legal considerations to keep in mind.

Step 1: Check the Policy for Authorization Rules

Insurance companies typically require the named policyholder to file and manage claims. However, many insurers allow a third party (such as a family member) to assist, as long as they are properly authorized.

🔹 Pro Tip: Look for a section in the policy about "authorized representatives" or "power of attorney." If it’s unclear, call the insurer to ask what’s required.

Step 2: Get Written Permission (If Needed)

Most insurers will let you assist your parents in filing a claim, but they may require:
✔ A signed letter from your parents stating that you have permission to communicate with the insurance company on their behalf.
✔ A Power of Attorney (POA) if your parents are unable to manage the claim due to health reasons.
✔ An Authorized Representative Form, which some insurers provide for temporary claim assistance.

Step 3: Gather Key Information for the Claim

Before filing, make sure you have:
✅ The insurance policy number and a copy of the policy.
✅ A detailed description of the damage or loss.
✅ Photos and videos of the damage before any repairs are made.
✅ Receipts or estimates for repairs and damaged property.
✅ A list of damaged or stolen items with approximate values.

Step 4: File the Claim

You can typically file a claim in three ways:
📞 By phone: Call the insurance company and provide the details.
💻 Online: Many insurers have online claim portals.
📄 Through an agent: If your parents have a local insurance agent, they can assist with filing.

Pro Tip: If you’re handling the claim on behalf of your parents, let the insurer know upfront to avoid confusion later.

Step 5: Follow Up and Manage the Claim

Once the claim is filed:
✔ Keep a record of all conversations with the insurance company, including dates, names, and details.
✔ Schedule an inspection with the insurance adjuster, and be present if possible to ensure all damage is properly assessed.
✔ Review settlement offers carefully before accepting. If the offer seems too low, you may be able to negotiate or seek a public adjuster’s help.

Final Thoughts

Helping your parents file a property insurance claim can save them time, stress, and potential missteps. Just remember to check their policy, get the necessary permissions, and stay organized throughout the process.

If you’re unsure about any part of the claim, consulting a professional—such as a claims expert or public adjuster—can help ensure your parents get the coverage they deserve.

Need more expert guidance on property insurance claims? Follow Tugboat Claims for tips and insights! 🚢💡

Disclaimer:

This blog is intended for informational purposes only and does not constitute legal or financial advice. Tugboat provides information and support, but we are not licensed public adjusters or attorneys. We do not negotiate or adjust claims on your behalf. All advice given is intended to empower you in managing your own claim, but it is ultimately your responsibility to pursue and handle the claim. Tugboat is not responsible for claim outcomes. Additionally, our tools are provided based on the information you provide, which may be incorrect or incomplete. Always consult a licensed professional for case-specific guidance.

Need expert guidance on a homeowner’s insurance claim? Tugboat Claims is here to help!