Accidents happen when you least expect them, and these are the moments you need us most. Insurance Canopy works with our team of carriers to provide you with a transparent claims process.
So, take a deep breath and know we’re here to support you from start to finish. Here’s what you can expect after filing an insurance claim.
The TL;DR of the Insurance Claims Process
- File a small business insurance claim online
- Receive confirmation within two business days
- The claim info is sent to the insurance carrier
- You’re assigned a claims adjuster who investigates your claim
- Your coverage is reviewed
- Your claim is approved and paid, or denied and explained
- The claim is closed out
1. Receive Your Claim Confirmation
After you file a claim online, a licensed customer service representative from our U.S.-based team will contact you within 1–2 business days. Their job is to confirm we’ve received your claim, verify your policy information, and send everything to the insurance carrier.
✅ What to Expect: An email or call within 1–2 business days confirming receipt of your claim
✅ Pro Tip: Save your claim confirmation for easy reference. It’s like your claim’s tracking number!
2. Meet Your Claims Adjuster
Your claim will be assigned to a claims adjuster within 1–2 business days after receiving the information from Insurance Canopy. The adjuster’s role is to investigate, validate, and ultimately decide whether your claim is approved and paid out or denied.
✅ What to Expect: Your claims adjuster will email you with your claim number, their contact information, and any next steps
✅ Pro Tip: Add their contact info to your phone so you never miss an update (and check your spam or junk email folders in case their first message to you lands there!)
3. Provide Details for Investigation and Documentation
Your adjuster may request additional information to process your claim. Common items include:
- Your account of what happened
- Photos showing the damage
- A police report (if applicable)
- Names and contact details of anyone involved
- Receipts for supplies or damaged inventory
- Make and model details of stolen equipment
✅ What to Expect: Back-and-forth communication with your adjuster until they have all the information needed to make a decision on your claim
✅ Pro Tip: Create a digital folder to keep all your claims-related documents in one place
4. Confirm Details During Coverage Review
The adjuster and insurance carrier will compare your claim against your policy coverage. This step determines whether your situation falls under your active policy.
✅ What to Expect: Clarification requests or follow-up questions about your policy, like when you bought your policy.
✅ Pro Tip: If you’re unsure what’s included in your policy, call us at 844.520.6993 and ask for help. While our agents cannot provide information on whether or not a claim is covered, they can tell you more about what type of coverage you have.
5. Get Your Claim Decision
The adjuster will decide whether to approve or deny your claim. If approved, they’ll issue payment up to your policy limits. If denied, they’ll explain the reason in writing. The process often takes a few weeks or more, depending on the complexity of the claim.
✅ What to Expect: Your adjuster will contact you with information about whether or not your claim is covered. They can offer explanations for either scenario.
✅ Pro Tip: Review the settlement carefully, and don’t hesitate to ask for details if something isn’t clear.
6. Receive (and Save) Your Claim Closure Notice
Once everything is resolved, you’ll receive a claim closure notice. This is like a final report of your entire claims process in writing, detailing and confirming the outcome of your claim.
✅ What to Expect: A letter, email, or both documenting the outcome of your claim
✅ Pro Tip: Save this paperwork in case you need it for future reference
Quick Checklist: Staying Organized During a Claim
- Save your claim number immediately
- Create a folder for photos, receipts, and reports
- Write down call and email dates with your adjuster
- Ask for expected timelines and follow up if needed
- Keep all final claim paperwork in a safe place
Common Reasons Claims May Be Denied
Understanding your policy and what it covers helps you identify your risks and any gaps in your current coverage. The more you know about your policy, the fewer surprises you’ll face!
Claims may be denied for reasons such as:
- Theft without a police report
- Insufficient evidence of an incident
- Gradual wear, tear, or deterioration
- Filing a claim for something your policy doesn’t cover
- Withholding details from the adjuster
Other common exclusions include government seizure, natural disasters, fungus or rot, improper equipment maintenance, or damage to property you rent but don’t own. It’s crucial to check your specific policy for exclusions to know what you’re not covered for!
While insurance can’t undo what happened, it can help your business reset, recover, and move forward with confidence!
We’re Here to Help!
The business insurance claim process can feel like a big unknown, but with Insurance Canopy, you know what to expect. While we can’t decide the outcome of your claim, we’re here to support you along the way!
Our licensed agents are ready to help when you need it. If you have a claims question, don’t hesitate to reach out.
Contact Us
- Phone: 844.520.6993
- Email: info@insurancecanopy.com
Common Questions About the Insurance Claim Process
How Long Does It Take for a Small Business Insurance Claim to Be Processed?
The amount of time it takes for a small business insurance claim to be processed depends on the complexity of your claim. Simple claims may wrap up in a few weeks, while more complicated claims can take longer.
What Documents Do I Need for Filing an Insurance Claim?
The documents you need to file an insurance claim usually include:
- Receipts
- Photos
- Invoices
- Police or incident reports
The more thorough you are, the faster your adjuster may be able to move things forward.
What Happens If My Business Insurance Claim Is Denied?
If your business insurance claim is denied, you’ll receive a written explanation. You can then provide additional information to appeal or request that the carrier review the claim again.
Will My Business Insurance Premium Increase After a Claim?
Whether your business insurance premium will increase after a claim depends on factors like:
- The type of claim
- Your claims history
- Your carrier’s policies
Sometimes rates stay the same; other times they may go up. With many Insurance Canopy policies, your rates will stay the same, but you may be denied the chance to renew your policy.
Who Reviews My Insurance Claim?
Your insurance claim will be reviewed by a claims adjuster assigned to you by the carrier. The adjuster investigates the details, checks your coverage, and decides on approval or denial.
