You are entitled to compensation if you have suffered any financial losses because of a natural calamity or just about every reason, as per your insurance contract.
However, this might not be the case, especially when an entire area has been afflicted by a major incident such as a hurricane, storm, or other disasters.
Insurance companies are known to drag their feet when disbursing compensation amounts. It is also quite likely that they might even reduce the amount you are entitled to receive. They usually send their own insurance investigators to inspect your property. Since these people work for the insurance service provider, their sole aim is to minimize your claim—or even reject it altogether.
However, there is no need to feel helpless or to be taken in by their industry jargon. You can always counter this move by hiring your own public insurance adjuster. You should engage the services of public adjusters for the following reasons:
Ø Your Insurance Adjusters Will Always Work for YOU
An insurance company is primarily a profit-making entity. As such, it always has to be above the red line if it is to survive in this competitive industry. Sometimes, that can means downplaying claims or even rejecting them. Without a competent insurance adjuster at your side, you might not be able to challenge their decision.
Your insurance adjuster will have the acumen and the experience to thoroughly and painstakingly check your property, for every clue and proof that will help justify your claim. They can even include items you might have missed, such as loss of income for instance. Ultimately, you can rely on your adjusters to do their utmost to uphold your interests vis-à-vis those of the insurance company.
Ø They Will Be Objective
The loss of a business, home, or any other property can wreak havoc on your emotional and mental well-being. Insurance agencies know this and try to capitalize on your state of mind. You don’t want to make mistakes that your insurance service providers would use to their advantage. This is why it’s not a good idea to start the demanding task of filing your claim while you are distraught.
Under the circumstances, you might settle for a lower amount than your actual entitlement. However, your adjusters won’t be suffering from any such limitations and will help you file your claim calmly and objectively.
Ø Your Adjusters Will Try to Maximize Your Settlement
Maximizing your settlement amount is the core objective here. Your adjusters would go out of their way to ensure you are able to do precisely that. They will assess the nature, scope, and extent of the damage incurred, and suggest the correct compensation amount for your losses. They will also minimize their expenses. Ultimately, they will help prepare your claim document and negotiate with the agency on your behalf as well.
You don’t have to depend upon an insurance company’s employee to decide how much the company owes you. On the contrary, you can rely on IRPA’s highly experienced public adjusters Dayton, OH, to do the job for you.