Is Your Home Damaged in a Storm? Here’s How to File an Insurance Claim

03/02/2018

In 2016, the National Oceanic Atmospheric Administration (NOAA) recorded 5,601 major hail storms in their database, which resulted in up to $3.5 billion worth of crop and property damage. Insurance claims for roof damaged by the calamity were part of that exorbitant figure.

On top of having to worry about securing the safety of their homes and family, homeowners still need to deal with often-grueling insurance work. Dealing with paperwork isn’t everyone’s cup of tea, as homeowners filing claims often become confused by the filling out of different forms, complying with inspection procedures and dealing with insurance agents.

Here is a complete guide on how to file an insurance claim following a storm or any natural calamity.

Document the damage

Safely inspect the affected area, paying close attention to detail. Make a list of any visible damage and take photos of these areas, so you have concrete proof to show your insurance company. It helps if you can also provide photos of your roof in its undamaged state, for a more accurate comparison. Proper documentation can help you receive the compensation you deserve.

Taking a video during the storm may serve as a concrete example of its severity, but of course, your safety should always come first. Take a video only if doing so will not pose a threat to your safety.

Prevent additional damage

Secure your property to mitigate further damage. Do small, temporary repairs, but do not start any major repairs until your insurance company approves your claim.  Prevent mold growth or further water damage by removing wet contents, but do not throw anything away. Dispose of them temporarily on-site.

Alert your insurance company

Your instinct may tell you to call a contractor to fix any damage immediately, but don’t do that until you’ve gotten in touch with your insurance provider. Let them know about the damage your property sustained and make sure that your policy covers the necessary repairs. Otherwise, you may be stuck with the bill in case the insurance company denies the claim. While waiting for your insurance claim, it’s best to find temporary housing for you or your family.

Hire a professional claims adjuster

Make sure to get in touch with a claims adjuster before calling your insurance company. The truth is some insurance companies will attempt to delay the process or deny and defend their position instead of paying the claim when you need it most. Claim adjusters help make sure that your insurance company will pay you after you have filed a legitimate claim.

Going for public claims adjusters is your smartest move, as these professionals work for you, not for insurance companies.  They even provide valuable assistance in filling out complicated forms, helping you avoid mistakes that may hinder you from receiving compensation from the claim.

Enlist the help of United States Adjusters when processing a storm or wind damage insurance claim. Our reliable and well-practiced insurance appraisers, public adjusters, and disaster consultants help you receive the just compensation you need to get back on your feet.

Call us at 1 (800) 872-0201 today or fill out our form for more information.

Filing Your Property Damage Claims: You Are Not Alone

02/08/2018

Getting yourself and your big investments an insurance plan is a must. There’s no telling what could happen in a few year’s time, or even in a few days. A good insurance plan, for instance, will help you repair any damage to your home without you having to spend too much, or even at all.

The devil is in the details, however. Not all insurance plans are the same. The type of damages the insurance company will cover as well as the maximum amount of coverage will depend on the policy you get. When it comes to filing claims, the details of their plan tend to confuse and frustrate homeowners.

Help is Easy to Find

No matter how much care you put into maintaining your house, certain things are still beyond your control. For example, a pipe bursting and causing severe flood damage within your home is hardly your fault, and that is the purpose of your insurance plan.

Not everyone likes filing home insurance claims, but there are steps to take to make it a little easier for those who need the money.

1. Call your insurance provider immediately. Ask him the important questions, such as whether the damages will be covered and to what extent. Check your contract and go over the details with him/her. The fine print can be a little tricky to understand.
2. Next, make a detailed list of everything that was damaged. Secure the property and keep people away. If anyone got injured or caused additional damage, those may not be covered by the policy.
3. Fill out all the necessary paperwork as soon as possible. There may be a time limit in which you can file a claim. It’s best to get it done as quickly as you can or as soon as you leave the house.
4. Hire a public insurance adjuster. Most insurance companies send their insurance adjusters to check on your property. There are adjusters, however, who prioritize the insurance company before you. If you hire an adjuster outside of the company, their services will be to your benefit.

Hire Someone You Can Trust

The extent of your coverage will depend on the insurance plan you purchased for your house. Public insurance adjusters should work for you, not the insurance company. They are your best bet in claiming the amount you are entitled to.

They are also able to help you with the paperwork you will need to file a claim. Doing it on your own may be overwhelming, especially after experiencing something as traumatic as your house damaged by flood, fire, or a hurricane.

There are just too many things involved in filing your claim that one missed document could mean less pay from your insurance company. Your public insurance adjuster will help you understand the details of your insurance policy if your insurance agent cannot.

Our insurance adjusters at United States Adjusters are here to help you get through the claims processes. Since we are not affiliated with home insurance companies, our goal is to provide you with the best evaluation possible that can help you get the most out of your claim.

Contact us by filling out our form, and let’s get started.

What Do You Do When Making a Robbery and Vandalism Claim?

01/09/2018

Theft and vandalism can happen to any homeowner and any property. When it does, what’s your next move?

Whatever the scenario, robbery and vandalism can leave you feeling angry, fearful, and vulnerable. But at the very least, homeowners who purchased theft and vandalism coverage from their insurance companies can have peace of mind—or not?

In some cases, some insurance companies refuse to pay despite the urgent need. You may be a loyal client, but some companies pay out less in their claims than what they bring in through premiums. As a result, some homeowners remain in distress long after incidents of theft or vandalism.

Fortunately, this need not be your case. A Florida insurance adjuster can help you out.

Why You Need a Public Adjuster

Public adjusters focus on ensuring the insurance company will pay you, making sure you’ve already filed a legitimate claim. These experts do not work for insurance companies; they work for you. They assist clients with filling out complex forms, as well as helping you file the proper paperwork. Their job is to make sure clients will not commit mistakes that lead them to not receiving any money from the claim.

Complexities of Theft and Vandalism Claims

One reason behind the complicated nature of these claims is some policyholders file claims for false incidents. As a result, insurance companies strengthen their security by becoming stricter with the claim filing process.

Companies will require proof of ownership of these items prior to the robbery; some also ask for the proof of value.

Proving Claims with and Adjuster

To prove that you owned the stolen items, a good amount of documentation is necessary. The more you provide, the better.

Adjusters know what insurance companies will ask from you. They are also knowledgeable with insurance-related jargon, as well as common legalities that appear in insurance policies. Partnering with a public adjuster increases your chances of having your claims approved.

Do not let confusion over vandalism and thieving claims rob you of your rights. Get the most out of the claim by working with an adjuster who understands.

Call us today.

Pre-Emptive Measures to Minimize Business Losses in Case of Calamity

11/15/2017

A wise business owner anticipates problems. Given the current global climate, which has produced multiple “once-in-a-lifetime” calamities within weeks of each other (Hurricane Harvey in August and Hurricane Irma in September 2017, for instance), this practice is now even more important. After all, hurricanes and other natural calamities don’t just inflict damage on residences but on commercial establishments, too.

Our public adjusters at United States Adjusters can help minimize your losses by seeking maximum compensation for a calamity or fire loss insurance claim. In our experience, however, business owners get better settlements when they do the following beforehand:

Buy an Insurance Plan with Excellent Coverage

Public adjusters can only do so much to ensure that you are satisfied with your compensation. If the insurance for your commercial property offers little coverage to begin with, it’s natural that your subsequent settlement will be limited.

The solution is to be astute in choosing an insurance plan. Make sure it includes satisfactory business interruption coverage, for example. This aspect of your policy will reimburse the income you lost due to the interruption of your business operation. Make sure the list of insured peril will include common causes of property damage, like floods, hurricanes, fire, and earthquakes.

Prepare a Disaster Plan

It’s not enough to merely anticipate problems, however; you should prepare for them as well. Come up with a disaster plan that maps out the things you need to do and who in your organization should be responsible for them.

For example, decide who will supervise the cleanup efforts after a flood, what your SOP is if your deliverables will be delayed, who will be in-charge of customer and employee communication, and so on. Most importantly, set aside a calamity fund so that your business may continue to operate even if only in a limited capacity.

Seek Advice from Public Adjusters

Experienced public adjusters can also be a source of valuable information on all things pertaining to commercial property loss claims. Although they only enter the picture in the aftermath of a calamity, that doesn’t mean you can’t get useful insights.

If you’ve experienced business losses due to commercial property damage, get in touch with our public adjusters at United States Adjusters. We will do our best to give you and your business the amount you deserve. Contact us for details.

Better Safe than Sorry: Securing Your Finances in Case of Fire Damage

10/13/2017

Residential fires are more common than some people think. The National Fire Protection Association (NFPA) says that a household may expect approximately 5 residential fires in their lifetime. These fire incidents are often minor, but there is a 1 in 4 chance that an incident will result in major damage.

Having said that, vigilance is always a must. Homeowners should have an idea of the likelihood of a home fire as well as what they can do about it.

The Statistics of Residential Fires

Households encounter an average of five residential fires throughout their lifetime. Most of these fires have no major repercussions, so the fire department does not always hear about these incidents.

Nevertheless, a fire may still result in injury to members of the household. In fact, there is a 1 in 10 chance that a household member will experience a fire-related injury in an average lifetime. Furthermore, there is a 1 in 89 chance that a household member will get injured due to a reported fire in an average lifetime.

This is not to mention the toll that a home fire takes on residential property and personal belongings. Household members use their medical insurance to get treatment; they should also invest in other insurance policies to protect their assets.

The Advantage of Fire Claim Adjusting

Minor residential fires result in either little or no damage at all, but more serious ones lead to house repair and restoration. This is when fire claim adjusting comes in handy.

Insurance policies may be a challenge to deal with especially in cases when a fire results in the need for major home renovation. A reliable fire claim adjuster will make sure that homeowners recover what they have lost, as soon as possible.

United States Adjusters has the knowledge and experience to help you with multiple fire damage claims. From residential fires to smoke or soot damage, we help you maximize your insurance coverage and recover from the fire losses. Contact us today.