Insurance providers are for-profit organizations, which means they often look after their bottom line. That doesn’t mean they are out to get you, it just means that they may not do as thorough of a job as you would anticipate, especially when you file an insurance claim.
It may even surprise you when your agent suggests that you shouldn’t file a claim. In some instances, this can be in your best interest if the property damage is less than your policy’s deductible. In a case like that, if you were to file a claim, it could negatively impact your premium and future insurance eligibility.
But that is not always the case.
Why Should You Consult An Insurance Adjuster
Last year, I received a call from an individual whose insurance agent told her not to file a claim because her damage was less than her deductible. While that would make sense, the numbers weren’t adding up.
After a few questions, I came to learn that her insurance agent did not visit her property to see the damage, rather, it had only been relayed over the phone.
Though it is not common practice for your agent to visit the property, the agent should not have told her to not file a claim because it is practically impossible to get a true assessment of the damages without seeing everything in person.
As a professional insurance adjuster, I asked a series of questions and remained unassuming throughout our entire conversation to determine what had happened to this individual’s property and better understand her loss and the property’s damages.
Her deductible was set at $2,500, and during my inspection of her property it was clear that her claim was not less than her deductible.
Hiring A Licensed Insurance Professional
A licensed insurance professional, such as a public adjuster, can provide you with a more accurate understanding of your property damage, which can help you in determining if you should file a claim or not.
At Reliant Insurance Adjusters, we always ask questions, get as many details as possible, conduct an inspection of the property, and review your insurance policy in depth.
There are some instances when there is minimal damage to one’s property and the repairs can fall below your deductible. In some cases like these, a claim should not be filed, and we will make sure you understand your next steps. But in most cases, we will help you get your claim filed and guide you through the entire process.
We are always here to help protect policyholders and answer your questions. We also provide free insurance policy and claim reviews! Contact us today to learn more.
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