How To Avoid Property Insurance Claim Delays
When you are filing a property insurance claim with your insurance company, one thing that you can almost guarantee is that there will be delays in getting your settlement.
It can be an extremely frustrating process. All you want to do is fix your property and get your life back to normal again, especially if there is significant damage.
So what are the steps you can take to speed up the process and potentially receive more from your insurance company?
Acting quickly is critical in ensuring that your property insurance claim doesn’t get delayed and you get a more accurate payment. The longer you wait, the longer that an insurance company has to blame the damage on some other factor or for them to find other ways to deny your claim.
If you decide to use us here at fortitude public adjusters, the sooner you get us involved, the better! If you already filed your claim, don’t worry, it is still very likely we can help, but the sooner we are able to begin communications with the insurance company on your behalf, the better it will work out for you in the long run.
Understand your policy
Let us guess, it’s been a while since you have looked at your property insurance policy, isn't it? Be honest… Did you even review it in the first place? If you are like most people, probably not!
Understanding your policy is important in preventing delays because it doesn’t allow your insurance company to mess around and tell you things that are untrue. If you can become familiar with your property insurance policy, it will save you a lot of trouble when communicating with your provider in the future.
Documentation of all damage
When it comes to filing a property insurance claim, the more documentation you capture and the closer to the day of the damage you capture that documentation, the better. Insurance companies are always looking for ways to blame the damage on everything other than what caused it in order to not pay out settlements.
Make sure you document the damage using photos from multiple angles, videos, voiceover, and paper to cover all your bases. It also helps to make sure you date everything to prove the damage happened when it did. Even better, if you call a public adjuster immediately, we can help you with this process and show your insurance company you mean business right from the start!
Talk to a contractor
Along with documentation of damages, another way to expedite your insurance claim is to contact contractors and repair companies immediately. By going out and getting quotes right after the damage takes place, you are able to multiple pricing options, and understand the true extent of the damage right away.
If you wait too long and your insurance company sends an estimator, it will take much longer to get other quotes to fight what will likely be an extremely low estimate of damages.
Hire a professional
We have mentioned this already multiple times, but hiring a professional to help you manage your insurance claim is the best way to ensure you will get a fast, fair, and largest possible insurance settlement from your insurance company.
We have an extremely in-depth knowledge of insurance companies and the process that they go through in order to delay payouts and give you less than you deserve. We know exactly what numbers to call, which people to talk to, and what secret levers that can be pulled in order to fast track your payment and get you back to normal sooner than you ever could imagine.
Insurance companies know that when a public adjuster is involved (especially Fortitude Public Adjusters) that you mean business and they can’t wait on giving you your payment.
Insurance companies do a great job at one thing… moving slowly. Unfortunately, Insurance claim delays happen far too often and can you leave feeling frustrated, empty, and disappointed.
While there are many things that you can do on your own to speed up the process of an insurance settlement, the best way to both save you time, headache, and get a higher payment form your insurance company is to hire a public adjuster.
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We understand the emotional and physical stress a loss can cause. The unknowns of an ensuing claims process can add additional anxiety. It's worth your time to meet with us and do a free claim review.
We will level the playing field between you and your insurance company. When you hire us, we're on your side throughout the entire process protecting you. You don’t pay us until the insurance company pays you.