Preparing for A Water Damage Claim with APA

Water Damage Claim with APA

When water invades your property, things can become very stressful.  The process of cleaning up and dealing with a water damage claim can be a heavy burden.  While dealing with a water damage claim can be difficult, it doesn’t always have to be. Hiring someone to help begin this process is probably in your best interest.  APA is a company that works with property owners to process insurance claims.  A water damage claim with APA can definitely make things easier. Today, we are going to learn some tips that will make the process go much smoother for you.

Five Water Damage Claim with APA Tips

  1. Take lots of pictures:

    The more pictures the better. Make sure to take high-quality pictures of all the damage you find. No matter how small the damage might be, you will need to document it by taking pictures.  While your insurance company will also take their own pictures, it’s good to have your own.  This will help protect your interests in case there are any discrepancies.

  2. Keep good records:

    To help document the event, make sure to keep records of everything. This includes any involvement by others.  If someone comes onto your property to fix a broken pipe or help you recover in any way, make sure to keep records of what they did.

  3. Be careful what you clean:

    While collecting your keepsakes after water damage is ok, you should avoid any major clean ups. Cleaning up may destroy vital evidence that may negatively affect your insurance claim.

  4. Know your insurance policy:

    A great way to see where you stand on your water damage claim is to review your insurance policy. Often your policy will include funds for temporary housing and meals during the restoration process.  This can help put you and your family at ease.

  5. Hire a professional:

    One of the best ways to handle a water damage case is to get some help.  As we learned above, APA is a company that has helped hundreds of people just like when you recover from water damage.  A water damage claim with APA will help get the process moving quickly making your life less stressful.

Using a Public Adjuster for an Insurance Claim Vero Beach, FL

Insurance Claim Vero Beach, FL

Each year residents in Vero Beach, FL are faced with the unthinkable.  House fires, flooding and storm damage can happen in a blink of an eye.  During these events, families often don’t know where to turn.  Dealing with the damage is just part of the problem.  Often filing an insurance claim Vero Beach, FL can be just as difficult.  Luckily, there are some very helpful people that you can turn to in your time of need.  Today, we are going to learn more about public insurance adjusters and how they may be able to help you.

Do You Need a Public Adjuster to Assist with an Insurance Claim in Vero Beach, FL?

If you are filing an insurance claim Vero Beach, FL, chances are a certified public adjuster can help.  Below you will find some reasons why you should seek these insurance industry professionals to work on your behalf.

  • You have a complicated case:

    If your insurance claim case is complicated or involves more than one property owner, hiring a public adjuster can really help. These companies have years of experience dealing with all types of claims and can provide you with professional advice.

  • You simply don’t know how to navigate the situation:

    Most property owners have never had to file an insurance claim before. This can be a difficult process to navigate and doing it alone for the first time can be very scary.  That’s why many people in this situation choose to hire a public adjuster to help them.

  • Your compensation offer is small:

    If you have received an offer from your insurance company and you feel that it is too small, chances are you are right. Insurance companies will often offer the lowest possible settlement offer.  By hiring a public adjuster to go over the case, you can often renegotiate a better offer.  This will get you the compensation you need to get your life back together.

  • You don’t have the time:

    After the damage has occurred to your property, the last thing you want to worry about is dealing with the insurance company. Most of your time will probably be spent trying to pick up the pieces. Hiring a certified public adjuster to help you through the insurance process is definitely a wise decision.

Getting Help with Your Property Damage Claim

Property Damage Claim

When dealing with property damage, chances are most homeowners are in over their heads.  No matter the size of the damage, dealing with the insurance company can be a very difficult task.  That’s why getting help with your property damage claim is your best bet.  Hiring a certified public insurance adjuster is a great way to protect your rights, and get you the compensation you deserve.  Today, we are going to learn how these public adjusters can help you through this tough process.

Five Benefits of Hiring an Adjuster to Assist with your Property Damage Claim

  1. A professional’s opinion:

    Dealing with a property damage claim can be very complicated. Hiring a professional adjuster will give you a professional’s opinion when you need it the most.  These adjusters can help guide you in the right direction and tell you how to deal with insurance companies.

  2. A better payout:

    When insurance companies see that you are working with a professional public adjuster, they are often more willing to settle for larger amounts. Adjusters can help you get the proper settlement amount so that you can rebuild your life sooner.

  3. Documents are everything for you:

    Documenting and taking a photo of your property damage is very important. But it’s easy to miss something if you are not a trained adjuster.  Public adjusters have the proper tools to get the job done.  They will take professional photos of the damage and generate reports.  Having everything in order will help the claims process go smoothly and will often help you get your check much sooner.

  4. They are well worth the money:

    While you will have to pay for their services, hiring an adjuster is well worth the funds. Their professional services will make life much easier.

  5. Adjusters will work with the insurance company:

    If you hate dealing with the insurance company, why not let someone else do it for you?  Adjusters will work on your behalf to get your claim settled.  This service is great for those who simply don’t have the time to deal with insurance companies.

What Does an Insurance Adjuster Do?

what do insurance adjusters do

For those of you who don’t already know what an insurance adjuster is, it is an important profession that property owners greatly benefit from.  Today we are going to learn more about what does an insurance adjuster do and how they can help you when things have gone not so great.

What Does an Insurance Adjuster Do?

A public insurance adjuster is a privately hired person that will help property owners through the insurance claim process.  After an event that has damage property such as a fire, flood or hurricane, an adjuster can be hired to document the damage.  He or she will take photos of the damage and produce a report that will be given to both the property owner and the insurance company.  The adjuster will also work with the insurance company to get the property owner the maximum benefits.

What Does It Take to Be an Adjuster? 

Insurance adjusters have to be certified to work in their field.  This certification requires the adjuster to be knowledgeable and professional.  A test will have to taken and passed before certification can be achieved.  Once passed, a state license will be issued allowing the adjuster to begin work.  This process is designed to protect consumers and weed out those who simply lack the knowledge needed to work in the field.  Each state has different rules and regulations that adjusters will have to adhere to.

Who Can Benefit from Hiring an Adjuster?  

Anyone that is filing an insurance claim on their property can greatly benefit from hiring an insurance adjuster.  Often when you deal with the insurance company alone, you don’t always get the maximum benefits.  But when you hire an adjuster, it sends a clear signal to the insurance company that they are dealing with someone knowledgeable.  Additionally, adjusters will help you keep up with all the necessary paperwork and document everything for you.  This will help speed up the claim’s process, and property owners will likely receive a settlement check faster.  So if you are faced with property damage, a wise move would be to hire your own private insurance adjuster.

Home Insurance Claim Assistance is Available

insurance claim assistance

Has your home been damaged by a fire or natural disaster?  Having your home damaged or destroyed can really put your life in a tailspin.  Most of us feel that our homes are where our hearts are and when something happens to it can really stress us out.  On top of dealing with the damage homeowners also have to deal with insurance companies that are not always helpful. But what if there was a way to avoid hassling with the insurance company while still getting the money you deserve?  Well not there is.  Today we are going to learn about the benefits of insurance claim assistance and how it can help you.

The Main Benefits of Insurance Claim Assistance

  • You will get what is owed to you:

    Many times insurance companies will only offer what they feel is the least amount possible. They will quickly deliver you a check but 9 times out of 10 it’s not the maximum that you could get for your damage.  Working with a professional insurance claim assistance specialist who knows what your damage is worth will allow you to get the maximum benefits.

  • Less stress:

    Instead of stressing out and haggling with the insurance company why not let someone represent you. This will help keep the repair process as stress free as possible freeing you up to worry about more important things like getting your life back together.

  • They have resources that you may not:

    Professional insurance claim assistance companies will have state of the art cameras and other equipment to document your damage. While you might have a nice camera on your smartphone it probably can’t compare to a professional grade camera.  This will allow clear and detailed pictures of your damage documenting properly.

  • They make keeping up with paperwork easy:

    When your home has been damaged by fire or water a lot of paperwork goes into the restoration and documentation process. Keeping up with all this paperwork can be difficult so allowing someone else to do it for you is your best option.

Public Adjusters Can Save What Would Have Been Lost

Accredited Public Adjusters

When natural disasters strike, properties get damaged or destroyed.  Floods, fires, hail storms, broken pipes and strong winds can destroy homes and businesses.  When these unfortunate events happen you must be ready to file your claim with the insurance company.  You may need a little paint or perhaps a whole new roof, but it could be much worse.  All of your property in might need to be replaced or at a minimum cleaned or repaired.  Insurance is meant to protect us, at least that what insurance companies tell us.  We pay small monthly premiums in exchange for protection when a disaster strikes.  Do you remember signing up for insurance?  I imagine the sales people were all very nice and friendly.  They probably offered you the best deals and tried over and over again to ensure you that their company would take care of you in the event of a disaster.

Most insured’s find it is the complete opposite when you try to collect after a loss.  Insurance companies do not want to pay out what is rightfully due.  In fact, when you file a property damage claim, the insurance company automatically assigns someone to your case.  This person is called an insurance loss adjuster or a claims file examiner. I call them desk jockeys, because this person in my opinion has one function and only one function.  Making sure your claim pays out as little as possible.  Does that sound promising?  It might sound ironic, but you will need to protect yourself from the company that is supposedly protecting you.  How do you go about doing this?  Solicit the help of a public insurance adjuster.

A public adjuster is a third party contracted by you.  This person will have your best interests at heart, they will try and maximize your settlement.  If you begin thinking you can handle the claim on your own, think again.  Insurance companies and their agents have decades of experience in manipulating cases and ensuring minimal payouts.  They know all the rules and the ways in between them.  You probably are no insurance claims expert.  The good news is, public adjusters are the experts in dealing with insurance companies.  They know how to help you through all the paperwork, documentation and hassle so you won’t have to.  Your life has been filled with enough stress, dealing with disasters itself.

A public adjuster will help lower your blood pressure in this time of need.  If possible it is wise to do a small amount of preparation before disasters strike.  Collect documentation on everything you own over one hundred dollars in value.  Take pictures of your property.  After the loss, contact a public adjuster immediately so that they can begin to work on your case and submit the claim as soon as possible.  Navigate the great wide world of insurance claims alone can leave you feeling lost, abused and betrayed by your insurer.

When to Hire a Public Adjuster

Wind damage for tornado

Imagine this scenario: a tornado blows through your town and inflicts substantial amounts of damage on your home, with high winds tearing off parts of your roof and flattening your garage. You contact your insurance company to make a claim and their adjustor will only agree to pay out a fraction of the cost of repairs. Do you have any recourse? You do if you hire a public adjuster: here’s a quick overview of how this type of professional can help.

 Unlike an adjuster who works for your insurance company, a public adjuster works for YOU: the policy-holder. He will bring in a team of inspection professionals who can make their own determinations and bring a more impartial view to the claims process. He will act as your representative and negotiate on the scope of damages on your behalf. In many cases, a public adjuster can negotiate significant increases in property insurance settlements so you can better get your life back in order.

So when should you hire a public adjuster? A good rule of thumb is to bring one in whenever you make a property insurance claim that runs into the thousands of dollars. You want to be sure that your interests are being looked after and that the insurance company is treating you fairly. When choosing a public adjuster, be sure to select one that is accredited, has years of experience in the field, is licensed in your particular state and holds an ACA accreditation.

When to Call an Insurance Public Adjuster

Fire - Accredited Public Adjusters

It can happen to anyone at any time. Fire, wind and water damage wreak havoc on homeowners nationwide each and every day: disrupting daily activities and costing a fortune in repair and restoration costs. In fact, according to the National Fire Protection Association, fire alone causes over 12.5 billion dollars in property damage in the United States yearly. Dealing with the insurance company can be an added headache for homeowners: Knowing when you should call in a professional public adjuster to help mediate the claim process is easy, before all the headaches begin for you.

–If you don’t think you are being treated fairly by your insurance company’s adjuster. Sometimes it seems like it can take forever to get that claim check back, doesn’t it? Or maybe you don’t think you’re being treated fairly by the company in terms of what they’re willing to pay for your losses. Too many homeowners feel helpless in the face of large, powerful insurance companies who seem to attempt to pay out only the bare-bones minimum. A public adjuster can take a more impartial, third-party look at your claim and help determine if you are entitled to more. He is on your side, rather than on the side of the insurance company: and that is definitely empowering.

–A public adjuster will follow the same basic process as your insurance company’s professional, only from a different perspective. He can make sense of complicated homeowners’ policies and use his extensive knowledge in the industry to make sure your contract is being followed to the “t.” You will have to pay extra of course – usually a percentage of your eventual claim – for this service; but in many cases, the supplemental monies received makes hiring a public adjuster affordable for just about everyone. Remember paying out 20% on money you would not have never seen is better than 100% of nothing.

–When choosing your public adjuster, be sure you select one that has a reputation for excellence in the industry. Like anything else, there are good ones and not so good ones. Selecting one with a lower competence level may just add to your claims nightmare rather than improving it. The best ones will have extensive backgrounds in construction as well as disaster mitigation and cleanup and they use that knowledge for your benefit. Smart homeowners will already have researched and selected a public adjuster and have a name on file before a disaster occurs rather than scramble around in the heat of the moment.

Dealing with a property emergency or disaster is tough enough without having to hassle with your insurance claim: isn’t it nice to know you have an additional resource that can provide the help you need when you need it?