Trying to get your insurance to pay for damage to your home is much harder than you might think. Insurance companies try to squirm their way out of paying anything they can by preying on the policyholder’s ignorance to the insurance world and legal jargon. Which isn’t fair to the people that use their insurance the way they’re supposed to, but it’s a fact of life in today’s society. There are, however, some things that you can do to help push your insurance company to pay your claim, but they require a lot of extra time on your part.
First off, the less claims you make the better. Homeowner’s insurance companies don’t like people that file more than one claim every ten years. So in order to start off on the right foot, limiting your claims to only true catastrophes is the best possible thing you can do. That way when a true tragedy occurs, there will be no questions as to whether or not you have been overusing your insurance.
Secondly, when you first get your policy, it is a good idea to take your smartphone and document all of your belongings and the condition of your house. Also, it is important to keep all records of any maintenance and upkeep done to your home. That way, when it comes time to make a claim, you have hard evidence of your valuables and the condition your house was in so that the insurance company can’t claim that your roof was in bad shape, so of course the storm blew it off, and no they aren’t going to pay for a new one. Having proof that your home is in good condition could potentially save you thousands of dollars.
And finally, hiring a public adjuster could be the extra push you need. Public adjusters know the insurance industry and have the insurance companies figured out. Insurance companies can take advantage of your ignorance to the insurance world, or even your sheer exhaustion. Chances are that if something catastrophic just happened to your home, you won’t have the energy to fight the insurance companies like you would without a catastrophe or significant damage.
Public adjusters are here to fight on your side; Public insurance adjusters work for you the policy holder compared to the insurance company adjuster or independent adjuster. The number one goal of any experienced, licensed public adjuster is to maximize your settlement to give you the settlement you are entitled to. Public adjusters also save you time and stress of going through the insurance claim process alone. Learn how a public adjuster can help you get your insurance to pay your claim by calling Advocate Claims Public Adjusters at 1-954-369-0573 or contact us online.