Most people who suffer property as a result of fire insurance claims cause cost mistakes during and after settlement. However, there is one very costly mistake that policyholders spend time repeatedly without knowing it. And the winner (or we should say losers). Most policyholders simply use their insurance company adjusters to evaluate, evaluate and estimate their insurance claims without checking them. This could be the most expensive mistake anyone can make in their own life.
It's bad enough to destroy your property with fire, but rely on those who visit your property, inspect it, provide reasonable value, and then believe that they are all right. However, policyholders can generate this nationwide, during the daytime and during the day. For most people it is important to count the "change" at the grocery store or to check the dinner fee with the waiter in mind that the waiter does not charge for the unsolicited item is the essence of human beings is. We did it all. We will leave the way to count and grasp changes in my way. Still, we do not doubt rely on insurance companies when it comes to tens of thousands or hundreds of thousands of dollars from fire insurance claims.
Nobody knows your property like you. In most cases, there are many things to properly prepare and set fire insurance claims that are forgotten or lost during processing. Especially when done by someone of the insurance company. They do not know your building like you, your wealth, or your content (furniture, clothing etc). How will they become exact like you? Furthermore, even if the insurance company adjuster visits your real estate for inspection, it is not qualified professional contractors, builders, certification of fire and flood restoration.
As a result of considering thousands of closed claims, in most cases, both insurance companies and policyholders turned out to be missing out without knowing the naked eye hurt. In most cases it is a good idea to have experts review fire damage claims. Preferably, a fire insurance appraiser, a consultant, or a fire consultancy company.
Policyholders believe that if an insurance company sends a check and deposits into a bank account, that claim will be terminated. This is not far from the truth. The fact is that in most states policyholders need three years to charge and ADD existing claims. Therefore, a review of your claim to ascertain whether you are properly compensated can occur during the billing process or even after the claim has been resolved. Even if it is disassembled and disassembled, you can earn more money from your claim.
Yes, even if your claim has been settled, checks are deposited or the building is dismantled and disassembled, if damage is not properly assessed, we will still acquire additional insurance. In many cases, tens of thousands of dollars, even hundreds of thousands of dollars. Even if you believe that policyholders have got a fair settlement, it is not usually the case.
However, policyholders can act to protect themselves. Here are some hints to help you review your fire insurance claim. There is a hint if it is in the middle of the complaint. There is also a hint if the complaint ends a while ago.
1. In complaint -
Document damage to your building: Take the time to check and document your own damage. Please take a picture of all the damaged rooms in your building. Taking an overview of the room, take pictures of the room's ceiling, walls, floors, windows, doors and other enlarged photos. Move the building around the left (clever watch). Please take a summary before entering the next room, closet, or hall. This is a simple way to organize which photos belong to which room. An example is as follows. Picture of the overview of the living room, top to bottom, ceiling, wall, window, door, and floor. Next is the first picture of the next room. (Close-up of photos and pictures is not yet.
1. Closed claim -
Obtain your building document: The insurance coordinator is taking pictures of your building during the exam. If you do not have pictures yourself, or if the picture is minimal, please charge all the pictures taken by the adjuster to the insurance company. You also need to request the figure / sketch used to calculate the square foot of the building. Also request full detailed estimates that they wrote to arrive at their number. This document is useful for fire insurance claims consultants of your choice.
2. In complaint -
Please document your content. Next, visit each room and closet again and inventory your content. Please take a picture of each picture such as furniture, pair of shoes, shirt, trousers. Then the enlarged picture of the damage of that item. Write down each item on the table of contents inventory form. (Please contact us and download us from the link below.) Just like taking pictures of build damage and sorting out, you need to do the same thing with your content. For example. Take an overview picture of the living room and work around the room to the left (clockwise). Photograph and list all the items on each wall until you return to the door where you started. In this way items are not missed or forgotten. After the stock of the living room is completed, move to the next room and start with taking a picture of the room. This will help you organize which room the content was placed in. List the names of the rooms at the top of each page of the inventory list. Now, the pictures and the list are organized in turn in each other.
2. Closed claims -
Damage to obtain documents of your content Damage assessor is taking pictures of your content during the examination. If you do not have pictures yourself, or if you have minimal photos, please request all the pictures taken by your content adjuster. You also need to request an inventory of the complete detailed content that you wrote so that they arrive at your number. This document is useful for fire insurance claims consultants of your choice.
3. In complaint -
Review your policy: Victims need to take time to review insurance contracts. You must know the basics. How coverage is in your building? How much coverage does your content (furniture, clothing, etc.) have? How much coverage should I leave at home or rent a house or furniture? Surprisingly, many people do not know this. In many cases, the policy was damaged by fire. In such a case consult your agent and seek an authenticated copy of your complete policy. Please help your agent explain how much coverage you have.
3. Closed claims -
Obtain a copy of your insurance policy: Please contact your insurance company and request an authenticated copy of your "complete" insurance policy including the declaration page. This document is useful for fire insurance claims consultants of your choice.
4. In complaint -
Consult experts: The insurance company visits the facility by the adjuster, examines the damage, and estimates the loss amount. It is important that you have completed the same process yourself. How do you know that insurers are working correctly? Will not you lose tens of thousands of dollars without taking time? The insurance company is supposed to explain all the fire insurance claims available to policyholders, but this is rarely done. Sometimes it is done intentionally, but it is done for other purposes as well (I have witnessed whether I achieved the purpose). This is your wealth. Your policy, that is your money. Educate yourself to make sure you are fully compensated for your loss. Hire a fire insurance claims expert to review the insurance company's assessment. Let's get your own "real" price and cost to replace your property.
4. Closed claims -
Consult experts: Have you received a fair resolution of your fire insurance claim? How do you know without asking someone If you do not know if you got a fair settlement from your insurance company, you need to know it yourself. If you collect all the data as above, you have enough data on your claim to make experts review it. A review of your claim will allow fire insurance claims consultant to advise your position. If you are in the dark and you have the opportunity to confiscate tens of thousands of dollars or hundreds of thousands of dollars, it makes no sense. A small fee to know where you are standing is a small price to pay, compared to the large sum of insurance that you did not know that you are tired.
The reason is simple. The insurance company adjuster works for insurance companies where fire insurance consultants work for you. I confirmed that I had insurance and executed the right thing. Please take the next step and confirm that you received what you paid.
