Natural disasters have caused insurance companies to pay roughly $450 billion in damaged properties to its policyholders. Insurance companies are looking for more options to limit their loss due to claims by denying them and sticking the homeowners with the bill. Insurers can write policies with exceptions that absolve the coverage of specific damages or use legal terms that may be difficultp[olk, to understand.
Insurance companies deny these claims as rapidly as they can. Public Adjusters have noted in the past policyholders are protected by laws in all 50 states.
Some steps you may take to help you get paid while filing your claim are; Documenting all your property. This includes all interior and exterior belongings and the condition of your home. You should do a walk-through of your home with your smartphone and or camera device and take photograph or video evidence of your belongings. This includes everything of value, homes physical feature, electronics, appliances, etc., then, email all the findings/evidence to yourself so you can keep track of it and not lose the findings.
Attention to detail is critical. Document all structural damage details.
Most policies will have exclusions that will prompt insurers to deny claims on minor wear and tear. If for example, the roof was not properly cared for, an insurer may deny it due to negligence and proper care of said roof. All records of repair must be kept ensuring the home sustained damage due to a natural disaster and not negligence. Taking photos and video is encouraged to ensure the home was damaged due to said disaster and not carelessness.
Collecting information as diligently and entirely as possible will ensure you uncover and document every bit of damage. Most policies will require a prompt and advanced notice of a claim. In some instances, an insurer may deny claims that were later discovered. In the case of a widespread disaster, this issue was very common. Contacting the insurers as early as possible is key to making their list.
Preventing further damage is encouraged, but, not disturbing the damages/evidence is very important. Boarding up windows is advised, but, do not attempt to clean up nor clear any structural damage, throwing out damaged belongings, as these will all need to be properly documented and dealt with when the Public Adjuster arrives. If your residence is within a hotel and or rental apartment, keep all receipts of payments. These expenses should be covered and reimbursed. If a claim is of this magnitude hiring a Public Adjuster is strongly recommended.
Public Adjusters are on the policyholder’s side always. They are seasoned in the insurance industry and have knowledge of all policies, state guidelines, etc. Most (but not all,) insurance claims adjusters were contractors or engineers. In most claims, Public Adjusters are compensated with percentages of the claim.
Public Adjusters can create objective estimates and describe the damage and loss the property has sustained and forward the information to the insurance adjuster. Often policyholders settle on very low settlement claims, because, they do not fully understand what they are entitled to not knowing how much repairs cost etc.
Public adjusters come in to support and help the homeowners. The Public Adjuster will always take their clients side to ensure they receive the correct compensation for their damaged properties.
Churchill Public Adjusters
2655 S Le Jeune Rd, #504
Miami, FL 33134