Whether you're reporting a simple fender bender or a catastrophic house fire, a dog bite or on-the-job injury, NHI follows the same basic five-step process to see every claim through from start to finish.
Here's what we do:
- Claim assignment:
When NHI receives your claim, it will be assigned to a claims professional. Depending on the complexity of your claim, you may work with a team of claims representatives, each of whom has experience handling a particular aspect of your claim.
- Initial contact
A NHI claims professional contacts you to get the facts surrounding your loss, talk to you about your coverage, explain how your claim will be handled , identify ways to protect your property from further damage (for example, putting a tarp over a damaged roof or plastic sheeting on a broken car window), and schedule an in-person appointment if one is needed.
- Estimate and evaluation
Your claims professional will determine whether the loss is covered, will gather the facts, inspect and document damage, interview witnesses or other involved individuals, take photos and samples (if needed), and evaluate your claim.
- Resolution
We'll work with you to resolve your claim fairly either by paying what you're owed, or explaining why there would be no payment on your claim.
- Close the claim
When we've resolved your claim under the terms of your policy, we close the claim. If you discover additional expenses, we will re-open your claim to investigate.
Some claims are more complex than others. Some may be opened and closed quickly while others may take weeks or even months to resolve, because of the complex issues involved. But wherever your claim falls in that range, NHI claims professionals will do whatever it takes to help you get back where you belong. That's our commitment to our policyholders. |
