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Technology is playing a big part in the processing of new insurance claims. At the Columbus Insurance Market we are helping our customers use technology to speed along claims processing for their contents on their renters insurance and homeowners insurance. Our Columbus Ohio insurance Agency is also showing our clients how to use their new iPhone and Droid X to make sure they are getting all there contents replaced when the time comes to file a claim.

Let us show you how the new iPhone and Droid X can help with a theft insurance claim.

Columbus Ohio Renters Insurance

One night this week we had a Columbus Ohio customer who came home from work to find her apartment door had been kicked in. She walked into a ransacked apartment and realized almost all of her important belongings had been stolen.  She called our insurance agency in a panic and needed to know what to do? 

As we walked her through what she needed to do, and we went over the things we talked to her about when she first bought her renters insurance policy from our insurance agency.

When our insured first got her renters policy with our insurance agency we asked her if she had one of the new popular smart phones? She replied, "I just got the new iPhone."  We were excited because at our Ohio insurance agency we know how helpful these phones can be to capture images and video of all your contents.  We advised our insured that she needed to go through her apartment and use your new iPhone to take photos and video of all her important belongings in case of a claim. We reminded her to take shots of the bar codes, serial numbers, and model numbers on her big ticket items like her television, computer, etc.  With the new high quality of the camera and video features on the new smart phones like iPhone and Driod they are perfect to help take inventory of your belongings. Using the new smart phone features can save you a lot of time compared to making a traditional spreadsheet.

Our insurance agency recommends using your smart phone to take photos of your contents instead of using your personal camera.  The most important reason for using your cell phone is, most people always have their cell phone with them.  So if a thief  breaks in they will not likely get to your cell phone.  Not the same for a camera which often gets left at home, and a camera is a easy target for a thief.  However just in case the thief comes on the day you forgot your cell phone on the counter we have the insured email the pictures and video to themselves and cc our insurance agency. That way one of us will have copies of the photos and videos of there belonging.  Some customers say they will just upload the photos to their computer.  A computer is another easy target for thieves so make sure you don't have everything stored just on your computer. This is just another reason we have them email the pictures and video to themselves and us.  With most emails you can login from any computer and you will always have a copy of your photos and video.

When you are in the situation that our insured was in you will have a hard time remembering all the things you had bought over the years. Our insured had a collection of designer handbags, a nice new MacBook Pro, along with a new 42 inch LCD t.v. which had been stolen. As we had told our insured laptops and cameras are easy targets and of course they were stolen as well.   Luckily our insured followed the steps we recommended. She was able to go through her video and photos and find almost every missing item and get a list of items to her adjuster.  Since the insurance claim, our insured has been fully reimbursed for all the items, even the ones she did not have receipts for.  Her new smart phone saved her a lot of time and helped her recall all of her missing item.

Are advice at the Columbus Insurance Market is to use the new smart phone technology to your advantage.  Make sure you are prepared for a situation like a theft.  If you want to be fully reimbursed for you contents, then always have photo and video proof of your belongings, especially if you can't reproduce receipts.     

Who knew smart phones were good for more than just downloading new apps and email?

Posted 3:43 PM

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