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Know Thy Insurance Policy
If you’re a property owner, whether you own a house or several commercial buildings, but be sure you understand your policy. Do you have a full replacement or actual cash value policy? If your property is underinsured, there could be some pretty harsh coinsurance penalties.
Don’t Wait To Call For Backup
Any property owner unsure of their policy or how to proceed with an insurance claim should immediately solicit the services of a professional public insurance adjuster – penny wise and pound foolish is often a shortcoming to claim handling. Delays and underpayments don’t sound appealing to any policyholder. Public insurance adjusters are professionals who assist policy holders in the preparation and presentation of first party property claims as well as navigate the claim process.
Give The Insurance Company What They Need
Policyholders bear the burden of documenting their claim so be sure to provide them the claim documents they need. Photos of damaged property, repair and mitigation receipts, as well as a filing claims in a timely manner can only help you.
Know Your Rights
Insurance claims can be complicated and confusing. Policyholders have the right to hire a licensed public insurance adjuster to represent their interests to help settle property damage insurance claims.