Misunderstanding Insurance Claims
Insurance claims can be tricky nowadays – there are so many intricacies included in the fine print that the average person is not able to decipher what they are entitled to in the case of some sort of destruction. This is unfortunate for those people because they are already having to put up with the ramifications of the damage itself. How can the average Joe overcome the hail damage, or fire damage, or business interruption and make sure they file the right kind of insurance claims? If you have never had to do it, you have no idea how hard it can be. And this confusion is sad because many times the insurance cases don’t give the monetary returns that are needed for the damage to be repaired.
So what is there to do?
First of all, people need to get educated about public adjusters before something bad happens. I wish I had known about them when my family experienced fire damage in Dallas. We were all ignorant and we felt like we had to accept the settlement we were offered after the “independent” insurance appraiser looked over our situation. Little did we know that we could employ a public adjuster who would fight for us. Yes, that’s right. There are people out there who make it their job to come in with an appraiser that takes their time noting the extent of the damage and reporting it as a secondary appraisal to the insurance company’s appraiser. These public adjusters also advocate for you and your family to get you a better settlement than you were initially offered. And they are typically successful in their efforts – if they aren’t successful, they don’t get paid. So they have major incentives to get you the best settlement possible.
Can you imagine being initially offered $20,000 by your insurance company and then having a public adjuster come in and get that number raised to $50,000 or even over $100,000? That happened to someone I know and they were blown away. Don’t you want to be blown away like this too?
I hope you never have anything bad happen to you and your family, but if you do then take this article’s advice and hire yourself a public adjuster who knows what they are doing. It could be a lifesaver!