 Representing policyholders with property damage claims can sometimes get complicated, depending on the type of claim, the extent of the damages, or if there have been prior claims.
The detail that goes into preparing and submitting a proper claim to the insurance company is key. The insurance company may have a different opinion about the cost of repairs or whether something can be repaired or needs to be replaced. A damage estimate should never be inflated for any reason and only include items that are related to the insurance claim. As Public Adjusters, we ask many questions about how the damage occurred and inspect the damages being presented. We document the damages and prepare a detailed line-item cost estimate of the damages with photographic support. Proper Documentation Obtaining information, especially if there are overlapping damages from a different claim is important. Aside from that, documenting items that are not damaged can get tricky. Are the “non” damaged areas continuous and in the same line of sight as the actual damaged areas? Were those parts of the building covered in the prior claim? Are there policy coverage limits that would limit the amount of coverage to the “matching” areas? Having a complete copy of the policy in effect at the time of loss will provide coverages, limits, and exclusions. Explaining this to our clients helps set proper claim coverage expectations. Estimating Software We utilize estimating software compatible with industry standards that allow us to create an itemized damage estimate. We include supporting photographic evidence and when needed, use our thermal imaging camera for further support to provide evidence of water damage. Tools & Equipment Having a good arsenal of tools and the proper equipment to assist us in documenting your claim is integral. From our drone, cameras, thermal imaging cameras, Matterport camera, laser and tape measures, levels, measuring wheels, see scope, and ladders, we are equipped. Contact us today if you have any questions or if you need help with a new, underpaid, or denied insurance claim. At Reliant Insurance Adjusters our team has the knowledge and experience to handle all types of insurance claims.
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