How Claims Work
Filing an insurance claim can feel stressful. We're here to help make the process as smooth as possible.
Important: Marketlink Insurance Solutions assists with claims reporting and provides guidance throughout the process. However, all claims are adjudicated and settled by the underwriting insurance company. Claim decisions, including coverage determinations and settlement amounts, are made by the insurer based on your policy terms and conditions.
Report the Incident
Contact Marketlink as soon as possible after a covered incident occurs. We'll help guide you through the initial reporting process and ensure you have all the information needed to get started.
Helpful Tips
- •Document the damage with photos and video if safe to do so
- •Make a list of damaged or lost items
- •Keep receipts for any emergency repairs or temporary living expenses
- •Don't dispose of damaged items until instructed by your insurer
Claims Assessment
Once reported, the underwriting insurance company assigns an adjuster to assess the damage. The adjuster will review the claim, inspect the damage (if applicable), and determine the coverage that applies.
Helpful Tips
- •Cooperate with the claims adjuster and provide all requested documentation
- •Your insurer may arrange for inspections of the damage
- •Be available for follow-up questions about the incident
- •Keep copies of all correspondence related to your claim
Resolution & Settlement
After the assessment, the underwriting insurance company determines the settlement based on your policy terms, coverage limits, and the extent of the damage. Payment is issued according to your policy's provisions.
Helpful Tips
- •Review the settlement offer carefully against your policy terms
- •Your insurer will explain the basis for their settlement decision
- •Repairs can typically begin once the claim is approved
- •Contact us if you need clarification about any part of the process