It is safe to say that if a large storm or fire has destroyed most of your home, it can feel devastating, however you have helpful options in front of you. In stressful times like these, you should call your public adjuster in West Palm Beach for assistance. Public adjusters will work closely with you and help you file an insurance claim to make sure you receive everything you are entitled to under your insurance policy when you have a loss.
Once the storm has passed, you are left to deal with the damages. The stress of dealing with property damage, going back and forth with your insurance company, and having to prepare and submit piles of paperwork can take a toll on your emotional, mental, and physical health.
Luckily, there is always light at the end of the tunnel. While it is true that you cannot undo what has happened, the good news is you can file for an insurance claim and have help doing so.
How to File for a Property Damage Insurance Claim
Why Should You File an Insurance Claim?
Filing a property damage insurance claim is very stressful especially when you rely on your insurance company to cover the damage and pay your claim. Once your claim is approved, your insurance company should issue payment for your damages so that you can repair your home. However, filing a claim is not as easy as it looks.
If you need to file a claim, do not do it alone. Hiring an experienced and knowledgeable public adjuster is your best bet. They know how to interpret your insurance policy, determine coverage and when to file a claim. They also know what documents are needed, when timelines need to be met and how to properly document your damage.
Ask Your Family and Friends for a Referral
Your best advocate is a public insurance adjuster because they work for you, not the insurance company and should always have your best interest first. They can empathize with you and more than likely, have gone through what you are. We suggest you ask your family or friends if they could refer you to a credible and experienced public insurance adjuster and then start from there. Word of mouth is always the best resource.
Call Your Public Insurance Adjuster
Let your public insurance adjuster know what happened. Do not make any repairs in your home, except emergent ones, unless your public insurance adjuster has documented the extent of the damage. An experienced public insurance adjuster will take copious notes, detailed photos and even videos of your property to use as evidence to document your claim.
Review Your Policy Together
While it is true that your public insurance adjuster will be the one handling all the paperwork and will frequently be communicating with the insurance company, as a policyholder, you must also know and understand your insurance policy and what you are required to do.
Insurance policies are very confusing because they show coverage in one part of the policy, then remove that same coverage deeper into the policy, then sometimes replace the coverage with revised language. They also use terminology that may be unfamiliar to you as well.
Thankfully, with the help of your public insurance adjuster, you can go over your policy together and can ask all the questions you want so you can have a better understanding and expectation of what you are entitled to.
Do You Need a Public Adjuster in West Palm Beach to Help You?
We know how stressful it is to deal with property damage and you do not have to do it alone. Allow us to help you.
At Reliant Insurance Adjusters, we have your best interest first and treat every property damage claim as if it were our own. After inspecting your property, our team will create a detailed damaged report with photos and a Matterport 3D tour of your property to help you with your claim.
Although many companies offer the same services as we do, we strive to give you nothing but the best service by providing our experience and knowledge so that you can get the highest possible claim settlement. Give us a call today to learn more.