7 Steps Before Call Insurance Company to File Property Claim

When dealing with property damage claim, it’s important to take certain steps before contacting your insurance company. Here’s what we suggest you do. You can get the best Public Adjuster Service here.

1. Ensure Safety

Prioritize personal safety and evacuate the property if necessary. Do not attempt any tasks that could put you at risk.

2.  Mitigate further damage

Take reasonable steps to prevent further damage. For example, cover broken windows or shut off water to prevent additional problems.

3. Review your insurance policy

Familiarize yourself with the terms, coverage limits, and deductibles stated in your insurance policy. This information will be important when discussing your claim.

4. Contact a public adjuster

You can begin working with us at any time during the claims procedure – including after your claim has been denied.

However, the earlier you bring us in, the easier it is for us to work towards getting you the correct settlement you need to repair all the damages.

If you choose to move forward on your own, you will need to complete the following steps. Or you can call us and we will look after them for you!

5. Document the damage

Take photos or videos of the property damage from different angles. Visual evidence will be useful during the claims process.

6. Notify your insurance company

Contact your insurance company to report the damage. Follow their specific instructions for filing a claim. Check for Insurance Updates.

7. Understand the claim process

Ask your insurance company to explain the claims process to you, including any deadlines or required forms. Understand what steps you need to take and the documentation they will need.

Many people find this process complicated and overwhelming. That’s where we can help.

We understand the process of filing a claim, we know what to look for, we understand the evidence and paperwork that the insurance company requires, we know how to appraise the damage, and we will be strong negotiators on your behalf.

Not only do we look after everything for you – and research shows that people who use a public adjuster typically get larger payments – as much as 747% more.

If you’d like our help filing your claim, call us at 954-874-3563 or book a call online.

Public Adjusters are Experts who Work for YOU

1. Public adjusters are licensed professionals who represent policyholders in the claims process with their insurance company. They work on behalf of the policyholder, not the insurance company.

2. Public adjusters are experts in insurance policy language, coverage, and claims processes. They can help policyholders understand their policy and the claims process. With this information, they can file the claim to support getting the correct settlement to compensate for damages.

3. Public adjusters can help policyholders document their claim properly. Insurance companies require specific documentation to process a claim, and public adjusters can help policyholders gather and document the necessary information to ensure that their claim is processed quickly and accurately.

4. Public adjusters can negotiate with the insurance company on behalf of the policyholder. Insurance companies often use complicated language and tactics to confuse policyholders and pay out less than they should. A public adjuster can negotiate with the insurance company on behalf of the policyholder to help ensure that they receive a fair settlement.

5. Public adjusters are paid a percentage of the settlement amount, typically between 5-20%. However, the fee is negotiable, and policyholders should discuss the fee with their public adjuster before hiring them.

Public Adjusters Work on All Types of Property Insurance Claims

6. Public adjusters work on all types of property insurance claims, including claims related to fire, water, wind, hurricanes and other storms, floods, and vandalism.

7. Public adjusters can work with policyholders at any stage of the claims process, including before a claim is filed, during the claims process, or after a claim has been denied.

8. Public adjusters can help policyholders avoid mistakes that could jeopardize their claim. Filing a property insurance claim can be a complicated process, and one mistake could cost a policyholder thousands of dollars. A public adjuster can help policyholders avoid these mistakes by making sure the claim is filed correctly.

Public Adjusters are Regulated and Adhere to a Code of Ethics

9. Public adjusters must adhere to a code of ethics, which includes acting in the best interest of the policyholder, maintaining confidentiality, and providing honest and accurate information.

10. Public adjusters are regulated by state insurance departments and must be licensed in the state where they operate. Policyholders should always verify that their public adjuster is licensed before hiring them.

In summary, public adjusters can provide valuable assistance to policyholders in the property insurance claims process. They are experts in insurance policy language, coverage, and claims processes and can help policyholders navigate the claims process, negotiate for a correct settlement, and avoid costly mistakes.

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The insurance company’s adjuster works for the insurance company, not you.

It’s their job to protect the interests of the insurance company by paying out as little as possible or denying the claim.

They may use tactics such as delaying the process or requesting excessive documentation to make it difficult for you to file a claim.

The insurance company’s adjuster may not have your best interests in mind.

They may try to convince you to settle for less than you are entitled to or to sign a release that waives your right to additional compensation in the future.

You are entitled to hire your own public adjuster to represent you.

A public adjuster is an expert in insurance policy language, coverage, and claims processes.

They work for you, not the insurance company, and their job is to ensure that you receive the correct amount of compensation for your claim.

You will need specific documentation.

Insurance companies require specific documentation to process a claim.

A public adjuster can help you gather and document the necessary information to ensure that your claim is processed quickly and accurately.

A public adjuster can negotiate with the insurance company on your behalf.

Insurance companies often use complicated language and tactics to confuse policyholders and pay out less than they should.

A public adjuster can negotiate with the insurance company on your behalf to help you receive a fair and accurate settlement.

A public adjuster can help you avoid mistakes that could jeopardize your claim.

Filing a property insurance claim can be a complicated process, and one mistake could cost you thousands of dollars.

A public adjuster can help you avoid these mistakes and ensure that your claim is processed correctly.

An accurate assessment of the damage can help you avoid disputes with the insurance company’s adjuster.

If the insurance company’s adjuster disputes the extent of the damage, it can lead to delays and disputes in the claim process.

A public adjuster who is also a former contractor can provide a more accurate assessment of the damage, which can help avoid disputes and delays in the claim process.

Policy holders who use public adjusters tend to get (much) higher settlements.

One study conducted by the Florida Legislature found that policyholders who used public adjusters received settlements that were, on average, 747% higher than those who did not use public adjusters.

Another study conducted by the Texas Association of Public Insurance Adjusters found that policyholders who used public adjusters received settlements that were, on average, 547% higher than those who did not use public adjusters.

Hiring a public adjuster to represent you in a property insurance claim can make a significant difference in the outcome of your claim. They can help you navigate the complex claims process, negotiate to help you get the correct settlement, and avoid costly mistakes.

If you are filing a property insurance claim, consider hiring a public adjuster to represent you. Call Capital Claims Group at 954-874-3563. We answer the phone!