Not everyone knows exactly what to do when it comes to filing a property insurance claim and your insurance company may not inform you of every exact detail so you receive a fair amount of money relative to your loss. Whether you decide to take on the dreaded task of going to battle with the insurance company, or if you seek the services of a Public Insurance Adjuster (PIA), here are some things a PIA can do for you which you can certainly follow yourself when you next need to file a claim.
Advocate for you
A PIA is an insurance claims adjuster who works for the policyholder in appraising, reviewing, and negotiating the claim with the insurance company. Outside of an Attorney or Broker of Record, a public adjuster is the only type of claims adjuster that legally represents the insured party in the instance of a property insurance claim.
An initial consultation is a good idea to establish whether a PIA can assist you with your claim. They will be able to look at your case, its approximate value, and determine the scope of services required based on the information provided to them.
Once it has been established at an early stage that you require the services of a PIA, some initial necessary steps are important to take. A PIA will firstly contact your insurance company to make them aware of a pending claim. Secondly, and before you do any property clean up, they will photograph and/or video record all of the damages sustained. You will be asked to gather together, and save any pertinent receipts relating to property that may have been purchased prior to damage, items purchased after damage occurred, and any other related expenses as a result of the damage to your property.
How a claim is documented can often be the single most important component in recovering the maximum settlement. A well documented claim demonstrating the full extent of the loss with an exact re-creation of the condition of your property prior to loss, along with supporting architectural renderings, detailed re-building costs, and budgets, is something a good PIA will incorporate as part your claim.
Now that you have a well detailed and documented claim, it must now be presented to the insurance company for their review and resolution.
As a policy holder you have certain rights with regards to what, and how much money is owed to you. On the basis that all of the other previous steps have been followed, your ultimate benefit will be maximized since everything is well documented, leaving little room, if any, for misunderstanding or differences in opinion as to how much money you should receive.
Not everyone needs, or wants to hire the services of a Certifiedrealestate-appraiser.com. Whatever you decide when you next have to file a property insurance claim, make sure you follow the above steps so you receive the money you deserve!