 When you have property damage and file an insurance claim, there will often be a disagreement on the damages, the repair method, or the dollar amount of the damages.
Whether you own commercial or residential property, it’s important to resolve the claim promptly and efficiently. One way to do that is through appraisal. The appraisal process should be conducted in a professional and timely manner and can help avoid litigation and keep costs down for you and the insurance company. Hiring An Insurance Claim Appraiser When an insurance claim dispute arises and you cannot resolve the differences, some policies provide for an alternative dispute resolution such as appraisal. In that case, you will need to hire an experienced Appraiser to represent you during this process. In order the ensure that your appraiser understands your claim, you will need to provide him/her with all the documentation you have in support of your claim. This will include damage photos, videos, estimates, and any repair invoices. Hiring a professional Appraiser with the knowledge and experience to handle your type of property damage claim is important. Would you hire a contractor to complete your taxes? What To Expect During The Appraisal Process The appraisal process will begin with the opposing appraiser for the insurance company, and your appraiser scheduling an inspection at your property. They will each present their documentation to support their position on your claim and view and discuss the damages and repairs during their inspection. Once the inspection is completed, both appraisers will discuss the claim during a separate meeting or phone call and try to resolve the claim. If they are unable to do so, they will agree to request the services of an agreed-upon Umpire. Insurance Claim Umpire An insurance claim Umpire is an impartial 3rd party requested to assist in resolving the insurance claim dispute and provide an objective evaluation of the claim to facilitate a fair resolution of the claim. Besides being impartial, the umpire should not have too heavy a caseload, so a resolution of your claim can be reached in a timely manner. Who Pays The Umpire? The cost of the Umpire services is equally borne between the insurance company and the property owner. This way the cost is not a burden solely to one party. Karen Schiffmiller and Scott Scovin both have their Certified Property Insurance Appraiser & Umpire (CPAU) designations. They have handled many appraisals throughout their careers and pride themselves on their honesty and integrity. Whether you need help with a new, underpaid, or disputed insurance claim, we have the knowledge and experience. To find out how we can best serve you, call us at (561) 288-6434 or contact us here.
0 Comments
 Summer in South Florida has our temperatures souring at their highest and although it may be in the 90’s, with the heat index lately, it feels more like the 100’s.
Whether you own a commercial or residential property, it can be frustrating when the air conditioner fails while experiencing such hot weather. Maintaining the HVAC unit(s) throughout the year will ensure your property is cool and comfortable during the sweltering summer months. Maintaining Your HVAC System for Summer Doing these preventative steps to your HVAC system means you’ll be set for the summer heat. 1. Change Your Filters Regularly Clean air circulating throughout your property is important for the health and wellness of your HVAC system. The most efficient thing you can do to maintain your system is to clean or change your filters monthly. Pet hair, dander, and debris can accumulate more quickly when you have pets or carpeting, and it is crucial to change your filters more regularly in these circumstances. 2. Schedule Annual Maintenance Checks Scheduling regular maintenance checkups with a reputable air conditioner service company will also help to keep the unit performing at its best which will help the longevity of the unit. 3. Clear the Area Around the Interior Unit Keep the interior air handler free from clutter to allow proper air circulation around the unit. This will help avoid condensation on the outside of the unit and avoid any potential mold growth. Check the unit regularly to make sure it is functioning efficiently and free from leaks. 4. Clean the Area Around the Outdoor Unit Outdoor condenser units are just as important to maintain. Leaves, twigs, and debris can gather at the base. As part of your yearly maintenance, turn off your air conditioner and remove any debris near the base. 5. Maintain the Exterior of the Property Inspect the exterior of your home regularly and be sure to repair and seal any cracks or holes in the walls, doors or windows. Your HVAC system needs to work harder when cool air escapes. Caulk and weather stripping are effective when applied correctly. This will also help to keep water from seeping into your home and avoid unnecessary water damage to your property. 6. Utilize Ceiling Fans If you have ceiling fans throughout your property, they can be a great asset for your HVAC system. Ceiling fans are a great way to keep your thermostat a few degrees higher with continuous air flow supporting the unit. Review Your Property Insurance Policy Another important property maintenance tip you should not skip … Review your property insurance policy and make sure you have the proper coverage. We can assist you, whether you need a pre-damage property inspection or help with a new or underpaid insurance claim. To find out how we can best serve you, call us at (561) 288-6434 or contact us here. |
