After an unexpected property damage loss, you can expect your insurance company to come prepared with experts. A fire, earthquake, flood, winter storm, hurricane, or other natural disaster can turn your life upside down in an instant. As an insured policyholder, you have rights and obligations. One of which is the ability to hire a public adjuster to advocate on your behalf. So, how can you tell when you need to bring in a professional adjuster to represent you for your claim?
1. You need to document, file and prove a claim
A claim can quickly become difficult to navigate. Public adjusters know the claims process and can ensure that you receive the best possible recovery for all your belongings covered by your policy. Many situations can complicate a claim quickly, but public adjusters have experience and know how to handle them to ensure a fair and proper settlement.
2. You don't fully understand the insurance policy's language or depth of coverage Public adjusters are there to work for you, and help you financially recover from a loss. Insurance claims hold a variety of complex provisions, processes, clauses, legal terms and issues that need to be addressed in order to maximize your settlement. Actual Cash Value, Period of Restoration, and Replacement Costs are just a few terms you can be expected to understand when settling a claim by yourself, as well as knowing how your insurance company develops the valuation. If you don't have specific property claim experience hiring a public adjuster can greatly increase the amount of your claim settlement.
3. When you don't have time to deal with the insurance claims process Losing a business or home is a stressful time. As a business owner, you still have responsibilities outside of the insurance claim to handle, like maintaining your business operations and handling the business recovery process. As a home owner, in addition to the financial loss, you will have an emotional loss of personal possessions and memories.
Unfortunately, the burden of proof is always on the insured. It is up to you to prove what the insurance company owes you. When you hire a public adjuster, they will:
Review your insurance policy to decide the best possible strategy for presenting your claim to the insurance company; Document and substantiate every detail of damaged property; Negotiate on your behalf with your insurance company; Keep you informed every step of the way; and Settle the claim for the maximum amount with less hassle for you.
4. The insurance company is not answering in a timely manner, or you feel they are not adequately evaluating your claim The insurance claim process can be long and drawn out. If you feel you are being neglected by your insurance company, a public adjuster can help you get faster responses and more information. The public adjuster will take over the task of directly communicating with the insurance company for you and will serve as the middle-man to avoid these time-consuming calls and contacts. Public adjusters will usually know how to get to the people with the answers.
Getting professional help is the smartest decision to make when it comes to dealing with your insurance company about an insured commercial or residential claim. You have paid significant insurance premiums to be protected. Hiring a public adjuster will ensure that your claim is handled correctly, from start to finish.
If you have any questions regarding a storm damage claim, call A&H Public Adjuster today at (305) 343-1963.