Filing an insurance claim is a stressful experience for any homeowner. After you’ve suffered a loss, the last thing you want is the insurance company’s adjuster asking probing questions and handing you tedious paperwork. Your homeowners’ insurance policy is there to protect you in the event of water damage, fire damage, theft, or other natural disasters. Every insurance claim is unique, so you may be wondering if a public adjuster is right for you. To help you make a decision, we’ve compiled a list of the top four signs you might need to hire a public adjuster.
Your claim will require extensive documentation
The size of your claim is likely to affect the amount of documentation you’ll need to provide. From the moment you file your claim, your insurance provider will assign an adjuster to your case. That adjuster works for the insurance company. They may evaluate your claim fairly, but they work on behalf of the insurance company. Your insurance provider understands your policy best because they wrote it! Naturally, it can be difficult when the people who know your policy best are looking out for their bottom line.
If you’re like most homeowners, you probably haven’t made a full inventory of your possessions. As the saying goes, you don’t know what you have until it’s gone. Creating an inventory from memory is extremely difficult. The public adjusters at Avner Gat Inc. have extensive experience in recovering lost items. We’ll help you create a comprehensive inventory to replace your lost belongings.
You’re don’t know whether your claim will be covered
It may sound overly simple, but if you are unsure if your insurance company will cover your claim, it pays to have a public adjuster by your side. At Avner Gat Inc., our goal is to see that you are properly compensated for your loss. Public adjusters can help explain your policy so that you aren’t blindsided by complex provisions, clauses, and legal terminology. If you choose to settle an insurance claim yourself, you’ll want to make sure you understand terms like “actual cash value” and “guaranteed replacement costs”. These will dictate how much you can expect to receive from your claim. If you’d like to learn more about different levels of coverage, check out our blog article on the subject!
You can’t devote time to the claims negotiation
When you’ve experienced a loss to your home, it’s often hard to drop everything to deal with the insurance claim. Depending on the extent of the damage to your home, you may need to relocate, take time off work, or even care for injured loved ones! Your existing responsibilities, as well as any that resulted from the loss, can make it hard to focus on the claims process.
Regardless of your loss or level of emotional exhaustion, you will bear the burden of proof. You’ll need to provide evidence of the state of your home prior to the event that spurred your claim. Public adjusters are great partners because they can help you determine the best tactic for presenting your claim and negotiate with the insurance company on your behalf.
Your insurance provider is delaying your claim or providing incorrect evaluations
Insurance claims are time-consuming, and they can become even more difficult if the insurance company isn’t responding quickly. A public adjuster is a great addition to your team if your insurance company is neglecting their responsibility to provide effective service. The dedicated team at Avner Gat Inc. will work directly with your insurer. We advocate on your behalf, but we NEVER accept or reject a settlement without your permission.
If you’re still not sure whether you need a public adjuster, give us a call today! We’re happy to speak to you about your claim and to evaluate whether our services are right for you.