Every year, approximately 5% of property owners need to file a property damage claim for incidents such as kitchen fires, hurricane damage to roofs, and leaks from aging cast iron pipes. Filing a claim with your insurance company is a typical process for property owners who face damages.
However, filing a claim can be overwhelming and confusing for most people. If you’re feeling lost, a public adjuster can help you navigate the process. In this article, we’ll discuss the steps involved in filing a property insurance claim for damage, and how a public adjuster can assist you in saving time and securing the maximum possible settlement.
Here are the steps involved in filing a property insurance claim on your own
1. Look up the phone number of your insurance company’s claim department, which can be found on the declarations page of your policy. If you can’t find it there, you can search for it online.
2. Explain the cause of the loss, ensuring that it falls under a covered cause of loss. For example, if you have water damage, you must identify the source of the leak.
3. Determine the date when the loss occurred, ideally with photographic or video evidence. This is crucial for determining which policy year the loss falls under.
4. Be prepared to answer questions about what steps you have taken to address the cause of the loss, such as turning off the water if there was a leak.
5. Provide evidence that the problem was fixed or managed, such as receipts from contractors or damaged items.
6. Meet with an insurance adjuster, who works for the insurance company, for an inspection.
7. Submit a list of damaged or destroyed items, along with their value and estimates for repairs.
8. Stay in regular contact with your insurance company while you wait for the results of your claim.
What happens after my claim is filed?
Once you’ve filed a claim, it’s natural to expect that your insurance company will handle everything and your life will return to normal soon. Unfortunately, that’s not always the case. The process of dealing with an insurance company can be incredibly frustrating.
It can be challenging to get in touch with someone from the insurance company, and you may have to leave several voicemails or emails, and spend hours waiting on hold to speak with someone. Even when you finally get through, the person you speak with may not be very helpful. They may request additional information or documentation, which can take weeks or even months to collect. And even after providing everything, they may still take a long time to make a decision on your claim.
When the insurance company does make a decision, it may not be in your favor. They may deny your claim or offer a settlement that falls short of covering the damage to your property. This can be incredibly frustrating and disheartening, especially after paying premiums for years.
How can a public adjuster help me with my property insurance claim?
When you file a property insurance claim, it can be a daunting and time-consuming process. However, hiring a public adjuster can help save you both time and money in the long run. Here are some ways in which a public adjuster can assist you:
Expertise: Public adjusters are experts in the field of property insurance claims. They understand the complex and confusing paperwork and documentation required, which can save you a significant amount of time and energy.
Fair Settlement: A public adjuster will work on your behalf to ensure that you receive a fair and just settlement for your claim. They will thoroughly review your policy and assess the damage to your property, working with experts such as engineers and contractors to estimate the cost of repairs. This means that you can have confidence that you are receiving the maximum payout possible for your claim.
Negotiation: A public adjuster will negotiate with the insurance company on your behalf, advocating for you to ensure that your claim is handled in a timely and efficient manner. This can save you a lot of stress and frustration, as well as potentially increase the amount of your settlement.
Communication: A public adjuster will handle all the communication with the insurance company, so you don’t have to. This can save you a significant amount of time and energy, as well as take the pressure off you during an already stressful time.
Independent: Unlike insurance adjusters, who work for the insurance company, public adjusters are independent and have no vested interest in lowballing your claim. They will thoroughly review your policy and assess the damage to your property to ensure that you receive the maximum payout possible.
If you suspect that you have a property insurance claim or have recently experienced property damage, it’s important to understand that insurance companies are in the business of making money. Give Your Large Loss Adjuster a call to get the help you need to file your claim and receive the maximum payout possible.
How can Your Large Loss Adjuster help me?
Your Large Loss Adjuster can make filing a property damage claim easier for property owners with the following steps:
1. Our adjuster will inspect your property and review your insurance policy to determine the type of claim you have and how we can assist you.
2. After our adjuster confirms that they can assist you with the claim, they will scope the property and provide our claims processing team with photographs and measurements of the damages. Our team will then file the claim on your behalf, including all the necessary details about the damages.
3. Our team will keep you informed throughout the process, scheduling inspections with your insurance company’s adjuster according to your schedule and ensuring that communication with your insurance company is consistent and ongoing.
To receive a risk-free inspection and policy review, contact Your Large Loss Adjuster at 800-806-3044 or online. Our local and experienced adjusters will assess your property and policy to determine the best course of action for your claim.
With our assistance, you’ll have everything you need to keep your family safe and organized before, during, and after a storm.