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When Should I Call My Homeowner’s Insurance Company?

When faced with the possibility of having to file a homeowner’s insurance claim, calling the company that holds your policy is the instinctive thing to do. However, it is not the best move to make. That’s because the insurance company will send out their homeowner’s insurance adjuster to inspect your damage and discuss your claim. Think about it. Who pays the adjuster’s salary? Therefore in whose best interests is the insurance company’s adjuster working? Yes. That’s right: the insurance company. What this action, calling your insurer to discuss submitting a claim first will accomplish is to practically guarantee that any settlement offer will be lower than anticipated. There is a way to completely avoid this scenario. Contact United Public Adjusters & Appraisers as soon as you detect property damage and/or losses.

Let our team of professionals be the first on the scene to inspect, assess, document, and assist you in drafting and submitting your homeowner’s insurance claim. We’re impartial; that means we work for you, not the insurance company. Our goal is to assist you to get on track to receive the highest settlement check that your policy allows. Nothing more. Nothing less. We’re prepared to go to the wall for you, as well. That means once your claim has been filed, we’ll be there to negotiate with your insurance carrier to make certain that you receive your fair share. 

In the event of damage to your home or property, let’s not forget your obligation to contact your insurer. We’ve stressed that it is most important that the insurance company adjuster not be the ‘first in the door’. This is partly due to the fact that handling property insurance claims is a complex task. As public insurance adjusters, United Public Adjusters & Appraisers will not only ensure a fair settlement, but also assist to ‘move things along’ be it with your homeowner’s insurance claim process, or the replacement or rebuilding of structures due to extreme damage or complete loss.

Leaving your claim solely in the hands of your insurance company can create issues. For example, should you be placed in the position of having to substantiate your loss(es) it can take months before a settlement is achieved. If your loss has been extreme, and you and your family are displaced, waiting for the funds to rebuild can make a full recovery seem like a pipe dream. 

Back to the insurance company adjuster for a moment. Their job is to ensure that insurance companies pay their policyholders the minimum settlement. It is extremely stressful for our clients, who may have brought our team mid-way in the settlement process to undergo the realization that their insurance company may not offer them sufficient compensation for their losses. In short, they may not be offered enough money to rebuild or replace what they have lost. That reason alone is the best argument to have United Public Adjusters & Appraisers by your side. 

As public loss adjusters (think of us as your homeowner’s insurance adjuster), we specialize in insurance claims and are committed to assisting you in disputing your settlement. We’re experts in insurance policies, coverage, exemptions, and limitations. Our team also understands supplemental claims and performs thorough investigations. It is our goal to strive to make certain that your claim settlement will be sufficient to cover your losses to the extent that your policy/policies allow. How are we paid? You’ll know upfront what our percentage of your settlement will be. No surprises. Historically, homeowners who work with public adjusters receive substantially higher settlements than those who accept the insurance company’s offer. One way of looking at it is that the services of a public adjuster pay for themselves! 

So to answer the question posed in the title, the time to call your insurance company to send out their homeowner’s insurance adjuster is after you contact United Public Adjusters & Appraisers. By then under our guidance, you’ll have a full understanding of your rights, what your policy/policies allow, and that throughout the entire homeowner’s insurance claim process, United Public Adjusters & Appraisers will be there to advocate for you and your family throughout the entire restoration/replacement claim cycle. Our extensive experience with both insurance claims and the negotiation process with your insurance company promises an optimal claim outcome as quickly as possible. 

To learn more, we invite you to contact us.


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