When Should a Policyholder Hire a Public Insurance Adjuster?

Описание: One of the most FAQs we get asked is, "When should I hire a public adjuster to help me with my property damage insurance claim?"

If you aren't getting the property damage insurance claim settlement you deserve.
If you don't fully understand the policy language, coverage, benefits, exclusions, or terms.
If you don't have time to deal with the insurance claims process.
If you aren't getting reasonable responses from your insurer.
Or if you don't feel your insurer is correctly evaluating your claim.

Then, you may want to consider hiring an ICRS public adjuster to negotiate your insurance claim dispute or to supplement a claim as a non-litigious option to settle a property damage insurance claim.

The beginning of a claim is typically the best time to engage a good public adjuster if you seek the maximum settlement you deserve with minimum time delays and stress...especially if your claim is a partial loss, large, or complex.

Insurers are required to give consideration to any evidence that supports a policyholder’s interests equal to their own in the spirit of acting in good faith.

On the other hand, policyholders bear the burden of proving their claim. Herein lies the rub between an insurer and the policyholder.

Unrepresented policyholders run the risk of poor outcomes due to lack of credible documentation, misunderstanding of policy terms, weak claims submissions, improper inspections, delays, underpayments, financial stress, errors, omissions, bad faith tactics, and improper claims-handling practices.

Good, experienced public adjusters assist policyholders in navigating the insurance claim process from mitigation efforts to the recovery of withheld depreciation.

Public insurance adjusters are essentially private policyholder advocates who are independent, licensed, bonded, and professional claims adjusters that negotiate property damage insurance claim settlements exclusively on behalf of the insured. Individuals and businesses hire our public adjusters from filing a claim or fighting a claim amount offered by their insurance company that you feel is incorrect.

Public adjusters can file and negotiate property damage insurance claims for flood, hail, fire, smoke, tornado, wind, lightning, freeze, hurricane damage, and loss of business income covered under their policy. They are legally authorized to act on behalf of an insured policyholder.   Practices, responsibilities, and duties of a public adjuster include:

1) Review policy language - some coverages and exclusions are open to interpretation.  Analysis of conditions and knowledge of the terms of your indemnity contract are key.
2) Assist the policyholder in meeting their burden of proof of claimed property damages.
3) Perform a timely and proper Investigation - Inspect and assess physical damages.
4) Match up losses with the appropriate property coverages for a fair settlement demand.
5) Review and respond to carrier correspondence addressing omissions, misrepresentations, wrongful denials, violations of policy, and violations of insurance code statutes.
6) Compile and submit a Pro-Policyholder Claim Package to your insurer with supporting evidence that documents your damages, the estimated scope of work, estimated costs, occurrence data, 3rd party reports, photos, news stories, policy language, statutes, bulletins, proper forms and a proof of loss.
7) Incorporate reasonable arguments to trigger coverage under your insurance policy and in compliance with the insurance code statutes of your state.
8) Proactively remove objections, roadblocks, and wrongful withholding of coverages.
9) Expose the insurer's liabilities and potential violations of the statutory insurance codes.
10) Reasonably argue with a credible degree of certainty any questionable allegations of an insurer's view for underpayment, delays, or wrongful denial of your property damage insurance claim.
11) Negotiate a fair and prompt settlement.
12) Refer legal counsel, expert engineers, hygienists, or other professionals when necessary.
13) Avoid unnecessary litigation and appraisal.

Multifamily Associations, Apartment Complex Owners, Commercial Building Operators, Property Management Companies, Real Estate Investors, and other business policyholders engage our public adjusters to get a competitive advantage in reaching a fair and prompt settlement. Our clients have vastly benefited from the outcome of the claim results we deliver as a result of our pro-policyholder representation. We work on contingency and save policyholders a lot of time and liability. Learn how we settle property damage insurance claims fairly & promptly for policyholders at www.insuranceclaimrecoverysupport.com

TX Licensed Public Insurance Adjuster Agency: Insurance Claim Recovery Support LLC #1670060
Licensed Public Adjuster | TX #1632488 | FL #W797805 | OH #1289475 | CO #411678 | GA #2874635 | KY # 1014264 | NC #15827727 | NV #3508775 | SC #893766 | OK #100118599 | PA #1043874 | UT #915234