When disaster strikes first priority isn’t always the insurance claim. In fact, it is the lowest thing on the list because of the hassles involved. The biggest mistake a lot of homeowners make is to depend on the insurance company to check out their damage and hope that they get the money required to pay for that damage. The biggest problem with depending on the insurance companies is that the insurance companies will only pay for what they can see and if there is damage that isn’t noticeable, you will end up coming out of your pocket for repairs. This is why, as a homeowner, you should always have a company like A Public Adjusters LLC programmed in your phone. Insurance companies send out hundreds of adjusters to review claims and they do not carry around the equipment necessary to see the damage that is beyond what is noticeable. Here are some tips that may help you during the process of an insurance claim.
Insurance Claim Help and Support starts by knowing your rights and ensuring that you are ready (both emotionally and physically) to do the majority of the work.
- Before you file your insurance claim, take a moment to review your insurance policy and verify your coverage’s as well as the responsibilities of your insurance company in order to settle your claim. You may request this from your insurance company or review it online if you have online access.
- Let your insurance company know immediately that you are planning to file a claim: You are simply giving them a heads up and you do not need to inform them of assessed damage or request an adjuster, just let them know that you have had some damage and that you are simply calling to give them notice of your intent to file a claim for the damages.
- Take as many pictures as possible of the damage. It is difficult to get it all and at the time disaster strikes, we don’t always think rationally or we miss details easily. Sometimes it is recommended that you bring in a family member to help you assess the damage and obtain the photos so you do not end up missing anything important. This could be the difference of having your damages repaired in a timely fashion and correctly the first time around, or ending up paying for more issues later.
- DO NOT stop paying your insurance premiums or mortgage as this will cause more problems for you in the long run. During a disaster, many property owners fail to make insurance payments and/or mortgage payments and cause bigger problems in the long run. The claims process is not a short process so being patient and staying on top of your claim can be very helpful.
- While you are dealing with the insurance companies, remember that they are not interested in your well being, they are a business and they are trying to save themselves as much money as possible. Do not depend on them, do not assume they will play nicely and certainly do not assume that the representative is capable of making sure your home is fixed properly. Every time you speak to someone from your insurance company, chances are it will be a different person and you will never get the decision maker who decides the amount of your claim settlement, so always be friendly but never assume that they will do the right thing, because chances are they won’t.
- Document everything about the claim process. This includes estimates, proof of damage, and all the details you hear from everyone you speak to. During the process of the Insurance claim, you are the only person who knows what your property looked like prior to the disaster so therefore it is so important that you stay proactive in documenting and detailing everything, even going as far as video to prove the damage.
- Do not exaggerate your claim under any circumstance.
- Before you sign any legal documents, consult an attorney. It may seem straight forward, it may read nicely, but never leave it to chance. Talk to a qualified attorney to ascertain that the documents you are signing are protecting your best interests and not just the insurance companies.
- Complain in writing and resolve all other issues informally. This way your written complaint will go up the chain of command and/or involve the government agencies put in place to protect you.
These tips can help speed up and ensure that the claim you file is taken seriously from start to finish. Never just trust an insurance company, always remember that they are and always will be a “For-Profit” business and that their duty to help you is based on the amount of effort you put forth. Also remember that you have a right to select who does your repairs and you have a right to consult an attorney during the claims process.
At A Public Adjusters, we have seen a lot of property damage, we have worked with property owners to assess the damage and guide in the process of insurance claims. Take a moment to contact our office for support throughout your claims process as well as guidance to getting the maximum payout for the damages sustained to your property.
Take a moment to review some helpful articles for ensuring your insurance claim is treated with the utmost respect from the insurance company:
Property Damage Cases in Small Claims Court – Take a moment to understand the negligence that can occur during an insurance claim, so you are not caught off guard.