Insurance company giving you the runaround?
Understanding the Need for a Claim
Experiencing property damage can be a daunting ordeal, with the cost of repairs often exceeding initial estimates. This leads many property owners to ponder, “Should I file a claim?” The answer to this question isn’t always straightforward, making it crucial to understand your insurance policy and the process of filing a claim. The team of licensed adjusters at Trusted Public Adjusters is your point of reference when you have a question or possible property damage.
Deciphering Your Insurance Policy
The first step in this journey is to thoroughly review your insurance policy. It’s essential to ascertain if the damage your property has sustained is covered under your policy. Insurance policies can be intricate and challenging to understand. You might think that calling your insurance agent will give you a straightforward response on if the claim should be reported or not. Keep in mind that your agent is a fiduciary representative to your insurance company. Most agents will try to discourage you from reporting a loss because that is how they are trained. The team at Trusted Public Adjusters is your ally in the insurance claim process. Our mission is to put our clients first in obtaining what they rightfully deserve.
The Misconception of ‘Full’ Coverage
Many homeowners purchase insurance policies without fully comprehending their coverage. It’s a common misconception that all policies provide “full” coverage, but this is often not the case. Therefore, it’s crucial to read your policy meticulously, especially at every renewal, and ask your insurance broker any questions you may have about your coverage. With TPA in your corner, we can guide you on the best coverage to have. Our job really starts when you purchase your policy. Without proper coverage, it makes it harder to get fully compensated.
The Role of Public Adjusters
If you’re still unsure about your coverage or whether your damage is covered, a public adjuster can be a valuable ally. These professionals have extensive knowledge of insurance and construction and can provide clear answers to your questions.
The Risk of Under-Insurance
In recent times, some people have taken legal action against their insurance companies and brokers for under-insuring their properties or issuing policies improperly. Insurance agents are salespeople who are paid based on the policies they sell and renew.
Unfortunately, this can sometimes lead to inadequate coverage or policy changes that the policyholder is unaware of.
The Complexity of Insurance
Insurance is a complex field, and it can be challenging to determine if you have a valid property insurance claim on your own. It’s crucial to be aware of your coverage, any exclusions, and any changes from year to year when you purchase or renew a policy. If you’re unsure, consider hiring a reputable public adjuster. They can use their experience and knowledge to assist you.
Trusted Public Adjusters: Your Ally in Property Insurance Claims
Trusted Public Adjusters team includes experts in the scope and pricing of claims. If you’ve experienced damage, reach out to us to learn how we can help. We also specialize in managing insurance appeals for denied and underpaid claims.
Our team are certified roof inspectors, mold inspectors, and water damage evaluators. Contact Trusted Public Adjusters for a free consultation 3057020014