 Do you have property damage and need to file an insurance claim? Have you ever thought about hiring an insurance adjuster in West Palm Beach to help you? When disaster strikes your home, your initial reaction is to call your insurance company and notify them about the damage to your property. However, filing an insurance claim can be a tedious, complex and a very cumbersome task that most people don’t want to deal with when you are already experiencing the stress from your property damage. To ease your burden, the smartest thing to do is to seek help from an experienced and knowledgeable insurance adjuster. What Are the Advantages of Hiring an Insurance Adjuster? Better Understanding of Your Insurance Policy When you received your insurance policy did you review it? Do you know and understand your coverages and exclusions? Often times, policies are written with confusing verbiage and your insurance company places coverage in one part of the policy, then excludes it from another part of the policy. It can be challenging to understand your coverage. A public adjuster should explain your insurance policy and what coverage you have so it is easier for you to understand, and they should also explain all your options for your insurance claim. Saves You Time Filing an insurance claim can be time consuming because your insurance company requires certain documentation. If you are not familiar with what they are requesting or how to fill out that documentation, you will not be in compliance with the policy terms. If you hire a public adjuster, they will help you prepare the required documentation and properly document the damage. This way you remain compliant with your policy conditions and you don’t have to go through a time-consuming process on your own. Whether it’s an insurance claim for hurricane, wind, smoke, fire, water damage or flood damage, they will know what to do. With a public adjuster by your side to help you, they can take this burden off your shoulders so you can concentrate on your other priorities. Settle Your Claim Faster Filing an insurance claim is not always a walk in the park. More often than not, you will encounter hurdles along the way and you’ll need to meet time sensitive deadlines. If those deadlines are not met, your claim settlement may be delayed. Public adjusters have the knowledge and expertise to complete your paperwork in a timely manner and will communicate with your insurance company to settle your claim expeditiously. Protect Your Rights What makes public insurance adjusters different from insurance company adjusters? Simply put, a public adjuster works for you not the insurance company. They should always put your interests first and work to protect your rights as a policyholder. Are You Looking for an Insurance Adjuster in West Palm Beach? We know you’re under a lot of stress and we want to help relieve that stress with our expert and experienced public insurance adjusters. At Reliant Insurance Adjusters, we have your best interest at heart. We treat every property damage as if it were our own. Although many companies offer the same services as we do, we are committed to giving you nothing but the best service by offering our knowledge, resources, and experience so that you can get the highest possible settlement for your claim. Give us a call to know more about what we do.
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 If your property gets damaged, preserving the evidence is critical to getting awarded everything you're entitled to from your insurance company. However, that is often easier said than done.
Once you determine that you have property damage, the first thing you should do is document it and then review your insurance policy to see if the damage is covered. If so, you should file a claim. Preserving evidence of property damage will help strengthen your claim. Without preserving the evidence of your property damage, your insurance company may be less likely to pay the damages. The challenge is determining how to best gather and preserve the evidence to support your claim. How to Preserve Evidence of Your Property Damage Although you can document damages with photos, videos and notes, it is sometimes important to actually preserve the damage for a period of time. Though it may be inconvenient, one of the best ways to preserve evidence of property damage is to leave it alone. As tempting as it may be to replace or repair your property damages as soon as possible, you should strongly consider holding off until your insurance company has inspected the damage and in some cases, until your claim has been settled. Documentation and photos can be distorted over time or even manipulated by software, which can make preserving your documentation more challenging. Systems, software, and electronics are far from perfect and can malfunction, become damaged or even tampered with, which means that any documentation electronically stored can disappear. Aside from keeping hard copies of any documented evidence, you may want to consider storing the evidence of your property damages in multiple places, such as external hard drives or jump drives to best help you maintain accuracy of any electronically stored information related to your claim which may include: ● Word documents ● Spreadsheets ● Image files ● Voice messages ● Online repositories ● Cell phone photos Without evidentiary support of your property damage, it can be challenging to ensure you are properly compensated by your insurance provider. Helping You Document & Preserve Evidence of Your Property Damage If you are unsure of how best to document and preserve evidence of your property damage, you should consult with a public adjuster who is experienced in dealing with property damage. We have the latest technology to document and preserve your evidence. With our state of the art Matterport 3D Camera, we provide a 3D tour of your property and can point directly to the damage. We take great pride in our professionalism and attention to detail and there are times when we see damage that you may not. Although we treat every client’s property claim as if it were our own, we are dedicated to providing you with the knowledge, experience, and resources necessary to get you the highest possible settlement of your claim. Contact us today to learn more about how we can help you.  Part of being a property owner is paying insurance premiums. Investing in insurance is a smart move because you’re managing your risk. However, dealing with insurance claims can be stressful, which is why we recommend you hire a public adjuster in Port St. Lucie.
Some of the responsibilities of a public insurance adjuster is to protect your interest in your claim, properly document your damages, help prepare and submit the required documentation for your insurance claim and communicate directly with the insurance company on your behalf. Why Was My Insurance Claim Denied and What Can I Do About It? How Does Insurance Work? When you pay your insurance premiums, you do so with the hope that if you sustain damage to your property as a result of a hurricane, broken pipe, fire or flood, that the insurance company will cover your repairs and pay your claim. However, you will only receive payment for your insurance claim if coverage is accepted. Unfortunately, not all claims are approved and sometimes they are denied. In such a case, you will need the help of a public insurance adjuster. Why Was My Insurance Denied? Nothing is more painful than paying years of insurance premiums only to receive a claim denial at a time when you need financial assistance the most. When you purchase your insurance policy, it is a binding insurance contract between you and your insurance company. So, it is only normal to feel that contract is a guarantee of financial help when you have sustained damage to your property. However, filing an insurance claim does not always mean you will receive an insurance payout. There are numerous instances where the insurance company may refuse to pay your claim and deny coverage. Property insurance claims that are commonly denied:
To increase your chances of getting your claim covered, you may want to consider hiring an independent adjuster. Independent adjusters will help guide you so that you can receive a proper claim settlement. Are You Looking for a Reliable Public Adjuster in Port St. Lucie? If you’re looking for an independent adjuster you can trust, we’ve got you covered. At Reliant Insurance Adjusters, we have your best interest at heart. We understand the stress that comes with filing for claims and our team has the experience and knowledge to guide you every step of the way so you receive the highest possible settlement. We’ve been in the industry for years and we’ve successfully helped countless clients receive the financial help the need from their insurance companies. Give us a call to know more about what we do.  Filing an insurance claim with your insurance company can often feel like an uphill battle, and it can be exacerbated when they use estimating software that results in a far from accurate estimate.
Your insurer is not necessarily intentionally trying to avoid paying for damage repairs, but the insurance estimating software they use often does not provide the most accurate estimate of your damage. The trouble with most insurance company estimates falling short of the correct repairs needed, is partially due to improper training on how to use the estimating software. This certainly leads to undervaluing claims, however, there are times when the insurance company’s adjuster thinks the quality of material is less than what you actually have or misses damage to your property. Your Insurer’s Responsibility to You Whenever you file a claim, it is your insurer’s responsibility to prepare an estimate that reflects the cost of repairs needed. How To Get An Accurate Estimate Once you have received their estimate, which many times is undervalued, it is surely in your best interest to hire a public adjuster who can review the estimate for detail and accuracy. Having a professional opinion is strongly recommended and can help you get everything that you are entitled to for your insurance claim. Another challenge with insurers properly estimating your claim is that sometimes the software is better suited, or designed, for tract home repair estimates. However, not everyone lives in a tract home, so if your property is historic, custom built, or located in a high value area, hiring a public adjuster is even more important to getting the proper payout for your claim. Find the Right Public Adjuster to Help You Although the estimates generated by your insurers estimating software may be well organized and lengthy, there tends to be many needed repair items missing from the estimate. Getting an independent estimate from the right public adjuster is often your best chance at receiving the proper compensation for the repairs needed to your property. At Reliant Insurance Adjusters, we treat every client’s property claim as if it is our own and provide the utmost attention to detail. Contact us today to learn how we can best help you with your claim. |
AuthorKaren Schiffmiller Archives
May 2023
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