Insurance agents, and the insurance companies they write policies for, always give you the assurance that you will be covered and continue taking your premiums. Unfortunately, it doesn’t always turn out this way. There are certain instances when a policyholder’s claim will get denied. We suggest you consult with an insurance adjuster in Boca Raton to lessen your chances of getting your claim denied. Insurance adjusters will assist you until you get a good settlement.
What Are the Usual Tactics Insurance Companies Use?
The delay tactic is when your insurance company promises to help you, but in reality, they are reluctant to provide compensation. Inevitably, this will result in endless phone calls with no results that will leave you frustrated.
Insurance companies look out for their interest and sometimes deny insurance claims. They are well aware of the complexities of the claim process, and may confuse you with certain questions, details and the technicalities of your coverage. This will only cause added stress.
Aside from delaying and denying your claim, another annoying tactic that insurance companies are known to do is to lowball the claim payment. Although your insurance company may acknowledge your claim, they are possibly missing damages to your property and limiting the claim settlement that you should receive.
Should You Hire a Public Adjuster?
Have you heard of a public adjuster? Public adjusters are professionals who represent you, not the insurance company. They will make sure to provide all the necessary documentation for your claim, submit the documentation in a timely manner. Additionally, they know what evidence to preserve, how to protect your property from further damage and they will document every detail of your claim to ensure you receive a good claim settlement.
Public adjusters know how stressful it is to experience damage to your property. If you don’t hire a public adjuster, you will deal with your insurance company directly and will be responsible for submitting all the documentation in support of your claim. The insurance company may do everything they can to delay or deny your claim.
Are You Looking for an Insurance Adjuster in Boca Raton?
You don’t have to deal with insurance claims on your own. Leave that job to us, and we’ll help you get a good claim settlement. In addition, we will make sure that your insurance company is held accountable.
At Reliant Insurance Adjusters, you can trust us with to handle your claim. We treat every property damage claim as if it were our own. Although many companies offer the same services as we do, we strive to give you nothing but the best service by providing our knowledge and experience so that you can get the highest possible settlement for your claim. Give us a call to learn more about us and what we do.
Not every insurance adjuster has the certifications, skills, knowledge, or technology to provide you with the best services possible. Although you may know us for our trusted public adjusting services, we offer several additional professional services for your insurance needs.
When you make a property damage insurance claim, documenting the damage is key and very important early in the claim. Not only is photographing and showing the damage important but having a 3D virtual tour of your property is essential.
In today’s technological world, what better way to present your property damage to the insurance company than with a virtual tour of your property?
Matterport 3D Camera Inspections
Conducting a Matterport 3D Camera Inspection generates a virtual experience and can be an important component to have for your insurance claim. This top-of-the-line technology offers the ability to walk through your property with the click of a mouse. As a Matterport Certified company, this technology amplifies our ability to provide the extreme attention to detail that we deliver with all our services.
Utilizing drone technology is a great opportunity to capture the current condition of the exterior of your home, roof, or commercial building. This is very helpful to prove the pre-loss condition of your property should you ever have an insurance claim, but also important to capture damages after a loss has occurred from a hurricane, wind and hail or fire.
Both pre-loss and post-loss drone inspections are important steps to documenting the condition of your property before and after a loss. Scott Scovin, one of our organization’s partners, is an FAA Licensed Drone Pilot.
Professional Services We Provide
There are several professional services we provide you with in addition to public adjusting, such as appraisal and umpire services.
When you disagree with the amount your insurance company paid for your property damage, many policies have an alternative and binding dispute resolution option known as Appraisal. This is a way to resolve differences that could arise between you and the insurance company.
When the appraisal provision of the insurance policy is invoked, the insurance company assigns their appraiser, as you will assign yours. Before meeting at the property, both appraisers must agree on a mutual umpire. The umpire that is agreed upon will assist in the resolution of your claim only if the two appraisers reach an impasse.
At Reliant Insurance Adjusters, we are equipped to conduct several services, including:
Your Go-To Resource For Insurance Adjusting Services
Both Karen and Scott are certified appraisers and umpires with the Insurance Appraisal & Umpire Association (IAUA) and the Windstorm Insurance Network and have handled many appraisals and umpire assignments during our careers.
Let us be your go-to resource for all your insurance adjusting service needs. Contact us today to learn how we can best help you.
Property damage can turn your life upside down, especially if it’s extensive. Dealing with property damage on your own can affect you emotionally, physically, and financially. Not only will it cause you a great deal of stress, but it can also negatively impact your savings. Sadly, many people are not able to get the property claim payment from their insurance companies. If you need help dealing with property damage, the person who has your best interest is a public insurance adjuster in West Palm Beach.
Filing a property damage claim is not a walk in the park. First, you will need the help of someone who knows the ins and outs of property damage and who can properly document your claim.
Property Damage Claims: How Do They Work?
Prepare Proof of Property Damage
You cannot expect to have your claim covered by your insurance company if you cannot support it with the evidence of damage. The first thing you should when you notice that you have property damage is to contact your public insurance adjuster and let him/her know what happened.
Before talking to your insurance agent, make sure you have a public adjuster inspect your damage and review your policy to determine if you should or should not file an insurance claim. Oftentimes, property owners make the mistake of filing an insurance claim that falls below their deductible. Insurance agents do not visit your property or inspect your damage. Seeking the assistance of an experienced and knowledgeable public adjuster will help you determine if your damage is covered.
Check Your Policy
You certainly would not want to file a claim for damage that is not covered and then have a claim on record even though a claim payment may or may not have been made. Everything should be verified before you file an insurance claim. Imagine spending so much time working on your documents only to learn that your damage is not covered in your policy.
Find a Good Public Insurance Adjuster
Property damage can be overwhelming, and if you are overwhelmed and under a lot of stress, it can lead to cloudy judgment and result in either an underpaid or denied insurance claim. The best thing you can do is to hire a public adjuster who can assist you throughout the claim process.
Assessing and documenting the damage is critical when you present your claim to the insurance company. You are required to submit very detailed and extensive documentation of all the damage to your property. Sometimes damage can be missed if it is hidden. There are also timelines that you must comply with in your insurance policy for submitting certain documentation.
Your most significant chance of receiving a proper claim settlement is to hire a public adjuster. Public adjusters will help you every step of the way and prepare the necessary paperwork and documents to relieve you of the stress of handling the claim on your own.
Are You Looking for a Public Insurance Adjuster in West Palm Beach?
If you are looking for a public adjuster you can trust, you have come to the right place. At Reliant Insurance Adjusters, we have your best interest at heart.
We know the stress that comes with filing, negotiating and settling insurance claims. We will keep you updated regularly so you will never question the status of your claim.
Our team has the knowledge and experience to guide you all the way and get you the highest possible settlement for your claim. Give us a call to know more about what we do.
Even though it may be a seemingly simple fix, water damage can cost thousands of dollars to repair. Understanding how to check and maintain your water sources in and around your property is one of the most valuable tools a property owner can have, and it involves using not only your eyes, but your ears as well.
You will likely need to check for water damage in places you may not think to look and listen for moving water where there should not be any. Staying aware of these sights and sounds can lead to a quicker and less expensive repair process.
Early detection is key especially for slow, long-standing leaks that are often not covered by insurance policies. These types of water leaks are commonly caused by:
● Fridge water line
● Garbage disposal
● Unused showers and baths
3 Tips to Avoid Long-Term Leaks
The following are several proactive tips that property owners can take to help avoid costly damages that often result from long-term water leaks.
#1: Change Your Washing Machine Hoses
Your home and appliance materials, including your washing machine hoses, experience wear and tear over time. This is especially the case if it is a rubber hose, which can quickly deteriorate from the Florida heat.
Ideally, you should replace your washing machine hoses about once every five years with reinforced steel braided hoses.
If your washing machine isn’t functioning properly, it may mean that you should replace the hoses. Washing machine-related water damage can lead to a very expensive insurance claim, costing thousands of dollars to repair. You should also consider turning off the water main if you plan on leaving your home unoccupied for an extended period of time.
#2: Listen for Running Water
Running toilets or phantom flushes could mean your tanks are continually refilling and could even lead to a 50% spike in your water bill. If your water bill has unusually spiked or you hear running water and phantom flushes coming from your toilet, be sure that everything is properly assembled and that the shut-off valves are in good working condition.
#3: Look for Water Under the Sink, Dishwasher & Refrigerator
You likely do not look under every sink in your home or property often, but you should look under them at least once a year to see if there are any slow drips coming from the pipes or larger leaks that require immediate attention.
Also, be aware that water leaks can pool under your dishwasher and refrigerator, so be sure to keep an eye out for any pooling water or slow leaks around those two appliances. You may even want to consider leaving your refrigerator’s ice maker disconnected or periodically checking the plastic hose connecting it to the waterline for any discoloration or cracks to determine if it needs to be replaced.
Filing Insurance Claims for Water Leaks
Water leaks are more common than you may think. From toilets to irrigation, water damage can be costly to repair. Because it can be challenging to detect water damage, especially in hard-to-see spaces, you may want to consider installing a water detection alarm that can alert you to possible leaks in water-prone areas such as the bathroom, kitchen, or laundry room.
If you notice water damage from a leak, or notice any property damage for that matter, and need help filing a claim with your insurance company, we can help.
At Reliant Insurance Adjusters, we treat every client’s property claim as if it is our own, and we are dedicated to providing the professionalism, experience and knowledge to get you the highest possible settlement for your claim. Contact us today to give your claim our personal attention and share our expertise.