FLOOD CLAIM ASSISTANCE
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Residential Insurance Claim
Your home is not only your most valuable investment. It’s everything to you and your family.
So if your house sustains damages, don’t hesitate to call us. We can help you!
We at InsuraClaim know that your home is much more than just an investment. It is an integral part of your family, your lifestyle, and your pride. A place where you keep not only your valuable personal properties, but also your most valued possession – your family.
It is for this reason that residential property owners take out insurance policies to cover the house and its content so that in case of any disaster, like fire, flood, hurricane, they can recover whatever they may lose in the catastrophe.
Their insurance policy will often cover the house and personal properties at replacement cost. The additional costs of maintaining their standard of living while the property is being repaired or replaced are also usually factored in when deciding the extent of insurance coverage.
And it is only sensible to take an insurance coverage that is more than sufficient to finance the replacement of your house and personal properties at current costs as well as pay for any apartment rentals in the interim.
That’s why we at InsuraClaim will do our best to get the full value of your residential insurance policy. You can rest assured we will put all our knowledge and resources towards the attainment of this goal.
How Do We Go About It?
When starting any insurance loss adjusting, a licensed public adjuster is confronted with two major challenges: the irate homeowner who is usually and understandably emotionally upset, and the possibility that the insured’s policies may not be enough to cover the actual losses.
In the face of these two pressures, our public adjusters are especially skilled both in public relations and interpersonal skills and in the technical skill and knowledge. Our public adjuster is skilled in getting the emotionally upset policyholder to cooperate fully and rationally despite the trauma he or she is going through as a result of the fortuitous event.
This is especially crucial at the start of investigation when our public adjuster must obtain critical information from the insured with regards to the condition of the house and the contents of the house before the catastrophe.
In addition to maintaining an effective interaction with the insured, our Public Adjuster is also highly competent in evaluating, documenting and proving the damages at the location in order to ensure a successful claim.
He must carefully and thoroughly inspect the location of the damage to establish precisely the extent of the damages and the amount of loss that can be recovered – one that should be satisfactory to the insured as well as to the insurer.
To help our public adjuster successfully perform his job, he usually employs any or all of the following approaches in assessing the damage at the loss site, depending on the size and scope of the damages.
1. Take photographs of the loss site. This is a standard procedure for evaluating the property damage.
2. If our adjuster is sure about how to restore an item to its original condition, which happens in some instances, our adjuster can take extra photographs and later on show this to engineers and other more experienced and knowledgeable adjusters on our staff to determine how to handle that item.
3. Before concluding the inspection, our adjuster will sit down with the insured to review the damages documented. During this stage, the insured is encouraged to ask any question he or she may have relative to the findings of our adjuster, and provide any other information that may have been left out. Our adjuster should be able to answer any of the questions.
Our public adjuster who is handling the case will report back to the insured any developments they may receive from the insurance company or any other individual who is helping in settling the insurance claim.
There are three (3) main points that our public adjusters must examine and answer in order to sufficiently file a claim with the insurance company.
1. Are the damages covered? The only way our public adjuster can answer this question is by scrutinizing the provisions of the insured’s policy or policies. He must be able to accurately interpret the provisions and then, drawing upon his training and experience, determine if the damages at hand are accordingly covered. This is critical in getting the damage evaluation on the right track right from the start. Our adjusters must make the right judgment. There are many cases where the insured has suffered a loss, but the damage is not covered in his or her policy. For example, there may be paint damage on the exterior of the property but if there is no coverage for this type of damage in the insured’s policy, then our adjuster should not include it in determining the insurance claim.
2. How much will it cost to sufficiently cover the insured’s loss? This is one of the key roles of the public adjuster – putting a dollar amount on the loss, which is normally the biggest concern of the insured. It is critical that the adjuster must be skilled at making a fair and reasonable assessment in order to arrive at a settlement that’s fair to the insured and reasonable in the eyes of the insurance company. You can rest assured our public adjusters are experts in this matter.
3. Is there any way for the insurance company to get back the money? This implies that another party is at fault for the loss, like faulty electrical wiring or use of highly combustible materials contrary to the state’s building code. The Public Adjuster must also determine this so that the insurance company can possibly recover the payment for the loss. Our public adjusters’ working knowledge of residential construction will go a long way in helping them competently do this.
EXAMINING THE LOSS AND SETTLING THE CLAIM
When examining or scoping the extent of property damage, the public adjuster must determine what it will require restoring the insured’s property to its original condition. There are five options to consider.
1. Replace. The item is damaged beyond repair and must be replaced.
2. Repair. The item is broken but can be fixed.
3. Paint or Refinish. The item can be restored to its original condition by repainting or retouching.
4. Remove and Reset. The item is dislocated but can be restored by first removing and then resetting.
5. Clean up. The item is only soiled and can be restored by simple cleaning.
Our adjusters are licensed and trained to present themselves in a very professional manner. We are courteous and always maintain a good relationship with the insured. We listen carefully to their concerns, notes all the information they provide and answer all their questions. And we appropriately apply our technical expertise as we evaluate the loss situation.
We work for the policyholder. We have their best interest in mind. And we have been successful in arranging satisfying settlements for the insured for years. Contact us today to get an example of a claims breakdown we have successfully collected for some of our happy clients.