Filing an insurance claim can feel overwhelming, especially if you’ve never done it before. Rest assured, Allianz makes the claims process as smooth as possible. Whether you need to file a property, auto, or life insurance claim, Allianz has systems in place to handle claims quickly and fairly.
In this article, we’ll walk through the key steps for filing an Allianz insurance claim. We’ll cover how to report your claim, what information to have ready, what to expect through the claims process, and tips for getting your claim paid efficiently. Read on for a handy guide to filing claims with Allianz.
Should I File A Claim?
Before filing a claim, ask yourself these key questions:
Is the loss covered?
Review your policy to confirm the loss is covered. Most Allianz policies cover losses from common risks like theft, vandalism, storms, fires, and collisions. If you’re unsure, contact your agent or Allianz to discuss coverage.
Is the loss amount higher than my deductible?
There’s no point filing a small claim that won’t exceed your deductible. For example, if your deductible is $500 and the repairs will only cost $300, you’ll end up paying the full amount anyway.
Can I afford to pay for repairs/replacements myself?
If you can easily cover the loss yourself, you may opt to skip the claims process and avoid increased premiums. But if the loss would cause financial hardship, filing a claim is recommended.
Will rates increase after a claim?
In most cases, yes – filing claims can increase your premiums at renewal time. But one claim may have a minor impact, and in some cases Allianz won’t raise rates after small claims. Check with your agent.
If you answered “yes” to the key questions above, it likely makes sense to file a claim. Proceed to the next section for how to get started.
Reporting Your Claim
Here are the steps to take to report your claim to Allianz:
Call right away to report the loss
Don’t delay – contact Allianz promptly to report your claim. This gets the claims process started quickly.
– For auto or property claims, call 1-800-558-1606.
– For life/health claims, call 1-800-950-7372.
Provide details on what happened
Explain what caused the loss and when it occurred. For example, a fire damaged your home on July 5. Providing these baseline facts gets your claim set up accurately.
Take reasonable steps to prevent further loss
After a loss, take steps to prevent the situation worsening where reasonable. For example, if there is a hole in the roof, arrange for tarping to prevent rain damage inside.
Gather information ahead of time
Having key information ready when you report the claim helps speed processing. We’ll cover the specific details to gather in the next section.
Ask about next steps in the process
Find out from the claims associate what to expect next – will an adjuster contact you? Do you need to provide photos or other proof of loss? Ask questions so you understand the claims path.
Calling promptly to report the loss is the critical first step to filing your Allianz insurance claim.
Information Needed to File a Claim
When you report your Allianz claim, having the following information ready allows the claims team to process your claim as quickly as possible:
Your policy number
Your Allianz policy number helps identify you and pull up your policy details. This number is typically found on your insurance ID cards.
Date, time, location and cause of loss
Provide the “who, what, where, when” on your loss. For example, a fire started in the kitchen on July 5 at 8pm, causing smoke damage.
Contact information
Provide phone numbers where you can be reached, and an email address for digital correspondence.
Police report case number
For losses involving theft, vandalism or a motor vehicle accident, provide the police report case number.
Photos/videos documenting damage
Photos or videos help give claims adjusters a clear picture of the damage to process your claim.
Repair estimates
For property damage, gather repair estimates from qualified contractors to submit. This gives a claims adjuster an idea of repair costs.
Proof of value for stolen/damaged items
Provide receipts, appraisals or other proof valuing your damaged or stolen items, like jewelry, computers, or collectibles.
Doctor’s notes for injury claims
For health or injury claims, your doctor can provide notes on diagnosis, treatment and prognosis. These help support your claim.
Business Income documentation
For business claims involving lost income, gather tax returns, profit/loss statements, and other income documentation.
Witness contact information
Names and numbers for anyone who witnessed the incident help the claims investigation.
Gathering documentation up front avoids delays waiting for needed information. Now let’s look at what happens next in the claims process.
The Allianz Claims Process
Below are the typical steps that occur once you report your Allianz insurance claim:
Claims adjuster is assigned
An Allianz claims adjuster is assigned to investigate and process your claim. This is your main point of contact.
Adjuster contacts you for details
The adjuster will contact you directly to gather facts about how the loss happened. Provide all relevant details.
Adjuster verifies coverage
The adjuster reviews your policy to confirm the loss is covered under your policy and that exclusions don’t apply.
Inspection/investigation occurs
For property or auto claims, the adjuster may visit in person to view the damage and investigate the loss.
Estimate of damages created
Based on the investigation, the adjuster prepares an estimate of repair/replacement costs for your covered losses.
Additional documentation may be requested
If additional proof of value or other documentation is needed, the adjuster will request this from you.
Resolution is determined
Once the investigation is complete, the adjuster determines how the claim will be resolved – this is outlined in the resolution letter.
Payment is issued
Once resolution is reached, Allianz issues payment for your covered losses, minus your deductible if applicable.
Any disputes undergo appraisal
If you disagree with the claims determination or payment amount, the policy appraisal process can resolve disputes.
Understanding the typical claims process helps set accurate expectations. Reach out to your adjuster with any questions as your claim progresses.
Tips for Faster Claim Processing & Payment
Here are useful tips to help your Allianz claim get processed as quickly and smoothly as possible:
Report the loss immediately
Promptly notifying Allianz of your claim prevents delays in getting your claim started.
Provide thorough documentation
Have all required documents handy when reporting your claim – proof of value, repair estimates, injury details, etc.
Keep your adjuster informed
Maintain open communication with your adjuster throughout the claims process for faster resolutions.
Capture damage with photos/videos
Visual damage documentation gives adjusters a clear picture for more accurate claim processing.
Get multiple repair estimates
For property damage, gather 2-3 estimates from reputable contractors for your adjuster.
Save all damaged property
Don’t throw away any damaged items until the claims process is complete, so adjusters can inspect if needed.
Ask your adjuster questions
Your claims adjuster is there to help – don’t hesitate to reach out with any claims questions or concerns.
Provide any additional documentation quickly
Promptly send your adjuster any extra documents they request to avoid stalling your claim.
Be reasonable with personal property valuations
Inflated personal property values can slow the claims process – be accurate and reasonable.
Understand your policy deductible
Knowing your deductible amount helps set expectations for what Allianz will reimburse.
Following these useful tips can help your claim get processed as quickly as possible. But the most important thing is to make sure you provide complete, accurate information throughout the process.
Conclusion
The claims process with insurance companies can feel intimidating. But Allianz strives to make it as simple and straightforward as possible. Now that you know the key steps for reporting your claim, gathering documentation, understanding the process, and getting your claim paid promptly, you can feel confident tackling the claims process.
Allianz provides 24/7 claims assistance and assign adjusters who will walk you through each step. Don’t hesitate to reach out with any questions during your claim – we’re here to help! With the right information handy, open communication, and a cooperative approach, you can achieve a positive claims experience.