The process of how the company works is almost same for all claims. These are the major steps involved :
1.Report your Claim : This includes reporting for damaged/lost property. This includes Auto,home, Condos,Life, Health and Disability ,Long-term care etc. Of course you should access the damages yourself to know whether the following is covered in your insurance or not, better still contact an expert to make an evaluation.
2.When a claim is made, an agent usually from the insurance company will contact you for investigating your claims. The insurance company may or may not approve the claim, based on their own assessment of the circumstances
3.Some insurance claims may not be recognized by the insurance company for any number of reasons. If a claimant’s premiums have not been paid in full, the policy itself may not be active.
4.Once the Agent is satisfied that you are eligible for the claim, he/she may then initiate the process to compensate you.
The whole procedure will take around 2-3weeks for you to receive your check.
The procedure is much simpler for medical claims in which you use your insurance to get a medical examination done and the doctor is then required to claim his fees through the insurance company..but I dont think you are bothered about that 