As public adjusters, we tend to see property damage resulting in an insurance claim sometimes well after the damage has been done and errors in filing and estimating the claim or just simple lack of documentation has occurred. Fortunately, policyholders can take a number of steps to protect their property claim. A recent article by Consumer Reports: Hurricane warning: Don’t let your house insurer blow you over states that “ the policyholder needs to stand tough and stand up to make sure you get everything you’re entitled to under your policy. They point out 10 ways to do that.
- Check your policy now
- Take pictures of the damage
- Keep receipts
- Report the loss
- Keep notes
- If the adjuster advises you to start repairs, get that in writing
- Ask to see the exclusions in writing
- Tap your contractor’s expertise to verify proper repair costs
- Consider getting help from a public adjuster
- Learn from others mistakes
Remember it’s your claim. Don’t let anyone, including your insurance carrier take control of it. Stay involved and make sure you assemble a team of professionals that have your best interests in mind. If you have questions regarding any property insurance claim related issues please call 800.321.4488 or contact us to submit a question to one of our public adjuster or insurance claim experts.