How to Retrieve Your Claim Number and Adjuster Contact Information Under Montana Law
Disclaimer: This blog provides general information and is not legal advice. Consult an attorney for advice specific to your situation.
Detailed Answer
When you file an insurance claim in Montana, the insurer must assign a claim number and provide adjuster contact information. Follow these steps to retrieve those details quickly and efficiently:
1. Gather Your Policy Details
Locate your insurance policy declaration page. You’ll need your policy number, the named insured’s name, and the date and type of loss (e.g., water damage on 4/1/2024). Having clear details helps the insurer locate your file promptly.
2. Contact the Insurer’s Claims Department
Call the phone number on your insurance card or go to the insurer’s website. Request to speak with a claims representative. Provide your policy number and loss details. Ask directly: “What is my claim number, and who is my assigned adjuster?”
3. Request Written Confirmation
After you receive the information by phone, follow up with an email or certified letter. Restate your request and ask the insurer to confirm your claim number and adjuster’s name, phone, and email. Montana law requires insurers to acknowledge communications promptly. See Mont. Code Ann. § 33-18-201.
4. Document All Communications
Keep a log of dates, times, names of representatives, and what was said. Save copies of emails, letters, and notes from phone calls. This record helps if you escalate the matter.
5. Escalate If Necessary
If you don’t hear back within 15 business days, send a formal written request by certified mail, return receipt requested. Cite Mont. Code Ann. § 33-18-201(12), which requires prompt acknowledgment of communications. If delay persists, file a complaint with the Montana Insurance Commissioner:
Montana Insurance Complaint Form.
Helpful Hints
- Use email when possible. It creates an automatic paper trail.
- Note the adjuster’s direct line and email to avoid long hold times in the future.
- Keep a folder (physical or digital) with all claim-related documents.
- If you have a public adjuster or attorney, share these contact details immediately.
- Check your insurer’s online portal; many companies post the claim number and adjuster info there.