Truth About Property Damage Insurance Claims

(and what your insurance company doesn’t want you to know)

  1. The burden of proof in support of triggering coverage under an insurance policy falls on you, the insured policyholder.
  2. Insurance companies are required to perform a “reasonable investigation”.
  3. The adjusters, administrators, building consultants and engineers working for insurance companies represent their interests, not yours.
  4. Insurance company defense attorneys often advise insurer’s whether or not to extend or deny coverage.
  5. Repair vs. replacement disputes often arise from the opinions of an insurer’s representative that falls short of a Policyholder’s expectations.  Especially given the premium paid for a full replacement policies.
  6. Repair instead of replacement, no damage, incorrect date of loss or other opinions are usually document in support of the insurers position,  not the policyholder.
  7. Policyholders without representation and proper documentation increase their risk of wrongful settlement delays or underpayments.
  8. Written representations which support your claim under the guidelines of the policy, state statutes, insurance codes, insurance commissioner bulletins, weather data, photographic evidence, line item estimates, business interruption formulations, 3rd party expert reports, reasonable methods of calculation and other supporting documents all help present your claim “pro-policyholder”.  Strong claim documentation and reasonable positions against denial of coverage and improper repair recommendations require experts. 
  9. The single best piece of our advice we give to our client is “don’t wait for problems, be proactive, get the settlement you deserve and move on with life!”  That also means avoiding unnecessary litigation or appraisals which add time and expense to getting you back to business.
  10. The public adjusters at Insurance Claim Recovery Support have the reputation for solving problems before they happen.  We have a proven methodology notorious for compelling insurers to settle large loss insurance claims fairly and promptly.

Our promise…

  • If we can help you, we work on contingency.
  • If you hire us, we’ll work hard with you and your insurer to reach a fair and reasonable settlement promptly.
  • We will factually document and present your claim for coverage submission.
  • We will make reasonable demands on your insurer when necessary.
  • We will fight to avoid unnecessary litigation and appraisals.
  • We do not waste time…yours or ours.
  • If we cannot help you, we’ll tell you and explain why.
  • If we know someone who can help you, we’ll tell you and not expect anything in return (except maybe a 5-star review).
The Truth About Property Damage Insurance Claims
Property damage, The Truth About Property Damage Insurance Claims