What You Need to Know Before You File a Property Insurance Claim

Here are some key things that you need to be aware of before filing a claim or speaking to the adjuster at the insurance company:

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!