Force Insurance To Take Your Roof Claim Seriously | With TJ

Описание: What happens AFTER you file a claim? Ever heard of a “field adjuster” or a “desk adjuster”. Who’s actually incentivized to help you after your home is damaged?

Meet TJ, he’s an independent insurance claims adjuster. In this episode, you’ll see how insurance companies decide how much to pay you after a home loss, what roof claims look like from hail to rain, and how insurance companies go about making you whole after a loss.

TJ and Jacob dive into a bunch of useful topics:
Where does communication break down in claims?
Why independent adjusters lead to higher payouts for homeowners
Slopes, Percentages, Squares, and the terminology used to communicate the ACTUAL damage to your roof
How much does the age of your roof impact your claim and if you’re covered

Scarily enough, you’ll see how filing a claim, EVEN if it’s denied and has zero payout, can hurt you in the future.

The CRAZIEST part of the episode, you’ll hear a story about how a contractor COMMITTED INSURANCE FRAUD right in front of an insurance adjuster, while they were looking at the roof!

Lastly, you’ll listen to some powerful options for when insurance companies deny claims. Should you get a public adjuster? When does an appraisal make sense? What can and can’t you argue about with your insurance? How does my policy language limit me on my claim?

All that and MORE on today’s episode of FinancialGinger

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Episode #26: FinancialGinger

0:00 - An Independent Adjuster's Role In A Roof Claim
5:20 - Types of Insurance Claims Adjusters- Independent, Staff, and Public Adjusters
16:40 - How Roof Age effects Roof Claims
21:22 - What Happens After You File An Insurance Claim
24:59 - Assessing Wind Damage For A Claim
36:38 - Exposing Insurance Fraud!
50:53 - Maximize Your Claim - Recoverable Depreciation
01:05:00 - Changing Your Home After A Claim - Who Pays For Upgrades?