Filing an Insurance Claim: 101
Should I file a Claim?
Leave that decision to our experts, call us for a free inspection and we can help you determine if you should be filing a claim or not. After a major natural calamity, it’s important that one must file the claim as soon as possible. Delaying this can cause further deterioration of the roof and your home in general. If such incidents are followed by major rain or snow, then it can lead to waterlogging and can make its way through the roof when standing for too long. This can lead to moss, algae, and even mold formations.
Approvals, Denials, appraisals, and trials
Insurance claims are anything but a simple acknowledgment of damage from an insurance adjuster who graciously cuts a check covering all of your damages down to the last dollar. It doesn’t matter whether it’s Auto, Property & Casualty, or Life there are so many intricate details that make each insurance claim unique. By not understanding your policy, not understanding the Insurance industry business model, and not hiring the right people to walk you from filing to final invoicing, can hurt the success of your claim and recoupment of funds to repair or replace anything that has been damaged, lost, or stolen. The scenarios are never-ending, from partial approvals to complete denials in bad faith forcing appraisals to take place or court trials where the carrier hopes to wear you down. They use words like “Usual and Customary” to quell an uprising from a policyholder and justify underpaying a claim but we use words like “Fair and Reasonable” to negotiate and settle your claim justly.
Are you getting what you deserve?
Let’s face it, in spite of all the assurances from Insurance companies their main goal is to work for themselves. You should get an independent assessment done and have the damages assessed. Many times when an insurance company sends their inspector, they fail to report all the damages – that’s why we go the extra mile to make ourselves available around the inspection time, so we can point them to anything they may have missed. We have also helped them get some pictures of difficult-to-reach areas that they usually ignore.
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