Property damage can be stressful and unnerving, and it happens at the most inconvenient times in our lives. If you have ever had water mysteriously bubbling up from your floor or water dripping down from your ceiling, you know what we are talking about.
Insurance companies require that you report property damage right away. However, in the heat of the moment, most of us don’t have the time or knowledge to properly document, report, and manage the insurance company to ensure the payout is fair.
In this article, we share our process for how CORE Public Adjusters helps property owners file an insurance claim.
Step 1: Make initial contact with your insurance company.
Contact your insurance company to submit an insurance claim. Your insurance company will ask you questions about what happened, when, and the extent of the damage. You should answer questions without emotion or exaggeration. Answer honestly, but never guess an answer to a question that you don’t know. What you say to any insurance representative can be held against you later.
How CORE Public Adjusters Helps You
When you hire CORE Public Adjusters, we will submit the claim for you so that you don’t have to worry about mistakenly saying something wrong that could come back to hurt you later.
Step 2: Manage the insurance company’s field adjuster.
An insurance company will send out a field adjuster to inspect your damage. Remember to stick to the facts and state only what you know for certain.
How CORE Public Adjusters Helps You
When you hire CORE Public Adjusters, we will be onsite to represent you and to ensure all of the damage you incurred is accurately represented in the insurance company’s estimate of your damages. CORE Public Adjusters will deal directly with the insurance adjuster, and other insurance company representatives, so you don’t have to.
Step 3: Keep a record of your losses.
Itemize your losses and include copies of receipts, especially for larger items, such as appliances, furniture, and expensive electronics. If the loss is due to a criminal act, such as burglary or theft, notify your local law enforcement agency. In some cases, the insurance company will require you to complete a claim form itemizing your losses. If you haven’t been tracking your home inventory then this may prove challenging depending on the extent of loss you have.
How CORE Public Adjusters Helps You
When you hire CORE Public Adjusters, we will help you itemize all of your losses. In many cases, we find additional damage that was overlooked by the insurance company or was valued inaccurately.
Step 4: Complete a Proof of Loss form, if required.
Your insurance company may require you to submit a Proof of Loss form. It is important that you take this form very seriously. Fill out the form accurately and completely. Abide by time requirements. Submitting a Proof of Loss form often triggers the insurance claim timeline, as set forth by state insurance regulators in the Homeowner Claims Bill of Rights. In the Homeowner Claims Bill of Rights, insurance companies are given deadlines to 1) determine if they will pay your damage in full, pay in partial, or deny it altogether, and 2) pay out on the covered undisputed damage.
How CORE Public Adjusters Helps You
When you hire CORE Public Adjusters, we will complete a Proof of Loss form on your behalf to expedite the claim process.
The insurance claim process isn’t over once the claim is submitted. When you hire CORE Public Adjusters, we will stay on top of your insurance claim and we will aggressively work to get your claim resolved as quickly and as fairly as possible. We will monitor the progress your insurance company is making on your claim. We will be your advocate when the settlement offer is too low to fix your damage properly.
Contact us if you have a claim in progress and it is not going the way you had hoped. We will assess your situation and offer an honest opinion on whether and how we can help you.
