How to Track Insurance Claims

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Insurance claims can be notoriously time-consuming, leaving claimants with little idea of the status of their case at any point in the process. Knowing how to track insurance claims can help you to achieve peace of mind by staying abreast of the current status of your insurance claim, from filing to payout. Staying on top of the claims filing process can also alert you of any required actions on your part that may be holding up the process.

Things You'll Need

  • Telephone
  • Spreadsheet software or paper and pencil

Ask a representative from your insurance provider if the company features an online claim-tracking service on its website. This service has become popular among larger insurance carriers as an effective way to increase customer satisfaction while lowering processing costs. If your provider offers online claim tracking, simply check the company's claims website regularly. If not, continue to Step 2 to begin the old fashioned claim tracking process.

Gather all relevant documentation related to your claim, including copies of claim forms, certifications of loss by doctors or auditors, bills and receipts in a single, easily accessible place. According to the website Money Smart Life, claims adjusters will often request proof of the value of damaged property in the form of original receipts. Remember to keep all claim and customer identification numbers together; you will likely need these numbers multiple times before your claim is settled.

Record all contact information gathered during the claim filing process. Store the names, titles, telephone/fax numbers and email addresses of claim representatives, and other key employees at your insurance company, including claims department supervisors.

Contact your list of representatives on a regular basis, perhaps once or twice per week, to ascertain the status of your claim, and record all relevant information gained in a tracking sheet.

Use spreadsheet software or pen and paper to create your claim tracking sheet. Use two columns and as many rows as necessary. Use the first column to list each date that you communicate with insurance representatives, and the right column to summarize the outcomes of your communication, and the current progress of your claim.

Tips & Warnings

  • Do not discard the contact information that you have used during the claim tracking process. These contacts may prove valuable to you in future dealings with your insurance company.

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