WHAT WOULD YOU DO?
When we first talked to the single mother she was living in a rental property the insurance company was paying for. Repairs were under way at her home about 3 miles away. The contractor was onsite doing demolition work after the fire and had already been there for several months. Tear out was still not complete and the work that had been done was not to her satisfaction. She was being told that her insurance would not approve of certain items in need of repair, and she was worried that the slow work by the contractor was using up precious dollars of claim money.
What would you do? When a situation gets to this point it is very difficult to unravel, pull back on track, and try to make right. In this case we got her the help she needed and started moving in the right direction. Being back home feels great.
GIVE IN, GIVE UP, MOVE ON
Really? Are you kidding, is this the only option?
Have you thought about it? Have these words kept you awake at night? Have you said it out loud?
Wow, that’s a lot of questions. Questions you keep playing over and over with no resolution. Let’s think about the alternative for a minute. What if? Now there’s a question. What if you could count on an expert that has worked in the industry for many years with a track record of positive outcomes? Yes, another question, but it is one worth looking into.
ight now your options, and I’m assuming here, are to accept the situation as it is, or keep trying to resolve the claim yourself. If you have made it to this blog you have a third option. Call us for a quick consult and find out if the letters offered apply to your situation. Remember, if you don’t know your rights, you don’t have any.
This quote by Soren Kierkegaard hangs on the wall of a homeowner that had a bad experience with their insurance claim. A strong storm damaged the home to the point of disrepair. Due to the age of the home (over 100 years old) the insurance company made an offer so far under what the repairs would cost to fix the home properly, that the insured battled them for over a year and half on their own. Thinking they were “smart enough to do this” was actually NOT the smart thing to do.
Long story short, the homeowner finally signed off and accepted the low offer just to get on with their life. At the time, they were living in their detached garage and were worn out from the constant battle of trying to get a fair settlement. Yes this sounds unbelievable but it happens. Without the help of a claim expert you can be left looking backwards trying to understand what happened.
For this homeowner it was too late when they found and contacted us. The paperwork had been signed and the time frame to get help had expired.
We are here to help....... before you find yourself hanging the same sign on your wall.
HEARING WHAT ISN'T SAID
Is this possible? It is if you know what you are listening for.
Listen carefully because what you aren’t hearing could be the answer to your questions. Are you being told of important deadlines you must meet in order to keep your claim from being denied? Are you being told about how to properly fill out a Proof of Loss? Are being told about the ways you can help yourself and the insurer come to an amicable settlement? Most insureds don’t know these items are critical to your claim.
So why is it that so often we don’t hear these things if they are so important? The letters and free reports on this site can you help answer these questions. Inform yourself, don’t let the window on your claim close without knowing what isn’t being said.
But the adjuster said...
THE FIRST TIME THE ADJUSTER WAS HERE HE SAID EVERYTHING WOULD BE OK. HE JUST DIDN’T SAY FOR WHOM.
And so it starts. The adjuster meets with you for the first time, while you are still trying to absorb what just happened to your home. They are nice, consoling, understanding, assuring that you will be taken care of. Fast forward a few weeks and you realize it is not going well at all. No matter how you present your concerns to the adjuster, it goes nowhere. The frustration sets in and you simply get angry.
If this sounds familiar, you need help from someone that understands your view of your claim and the industry in general. Don’t wait to find out it doesn’t get better, the sooner you arm yourself with knowledge, the closer you are to a positive resolution. Don’t go it alone, you may only have one claim in your life and you are dealing with adjusters that not only work several claims per week, but have an arsenal of resources to back them up. They know the tricks of the trade, you need to know them as well. As the old saying goes “if you don’t have a seat at the table you are on the menu.”
Despite catastrophic losses from superstorm Sandy and Tropical Storm Irene, property insurance companies have reaped profits in New York at rates more than double the national average in recent years, according to a study scheduled to be released Monday.
Between 2004 and 2013, insurers posted an average annual "return on net worth" -- a key measure of profitability -- of roughly 15 percent...
Updated June 14, 2015 9:57 PM
By JOE RYAN email@example.com
What is a Public Adjuster
Public Adjusters are experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims. Employed exclusively by a policyholder who has sustained an insured loss, these professionals manage every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A public adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company.
This explanation is taken directly from the National Association of Public Insurance Adjusters.