See how to avoid common pitfalls in filing insurance claims and ensure a smooth process. Plus, tips for hassle-free claims from Liberty Insurance Adjusters.
Explaining the Fire Claim Settlement Process
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Insurance Claims 101
If you experience damage to your property, you’ll have to submit a claim to your insurance company. This process can be long and complicated, especially if you go it alone. If you are filing a claim, it’s important to know what to expect as a policyholder!
The public adjusters here at Liberty Adjusters are here to place your claim or walk you through each step of the claim process so you’re prepared. What to do, what not to say, and when to lean on the support of the experts when/if the insurance is giving you the runaround. Or, we can handle the claim from start to finish for you!
Welcome to Insurance Claims 101!
Independent Adjuster Vs. Public Adjuster: What is the Difference?
Filing an insurance claim can be a tough process, with so many different aspects to analyze, it’s easy to feel overwhelmed. Making a mistake can cost you time and money, and sadly in some cases, end up in a denied or undervalued claim.
When property damage occurs, you may expect to work with your insurance and their independent claim adjuster partners, believing that your monthly premium payments will be enough to have them on your side, but that is not always the case. As a property owner, you have options!
Today, the experts at Liberty Insurance Adjusters will go over some things you should know first and explain the difference between an independent adjuster and a public claims adjuster. If you’ve experienced damage at your home or business, don’t go it alone. If you need help, contact a professional about your claim to get the maximum settlement to make things right
Tenant Damage: Is it Covered by Homeowner's Insurance?
You’re renting your property, and that can be stressful! Aside from all the other duties you are juggling, there’s always the threat of property damage taking your time and money. From typical wear to an angry evictee, damage from a tenant can come in all shapes and sizes.
Our public adjusters go over what damage is and isn’t covered, and give you some tips on how to avoid the damage from occurring in the first place!
I Let My Homeowner's Insurance Lapse. What Happens Next?
A homeowner’s insurance lapse can happen even to the best policyholders. An oversight or failed automatic payments can cause a lapse in your coverage due to nonpayment. Though your coverage should be reinstated once you pay your past-due insurance bill, it isn’t always that simple.
If your homeowner’s insurance policy lapses even for just a day or two, any damages that may occur to your home during that time, due to a fire, storm, or burglary/vandalism could leave you without coverage to pay for the damage.
So, you let your homeowner’s insurance lapse. What happens next? Our public adjusters explain.
Should You Accept the Insurance Company’s Offer?
The entire ordeal is almost an inevitable never-ending circle…you cannot get the necessary work done on your home unless you have the money, but you also cannot wait any longer without having the work done. So naturally, you want to take the first settlement offer that comes in.
And why shouldn’t you? Your insurance company is looking out for your best interest, right? Wrong. The simple answer is you shouldn’t accept the insurance company’s first offer. Here’s why…
Getting Roof Claims Right to Repair the Damage
It’s easy to take our roofs for granted, until a storm, a fallen tree, or another disaster makes a mess of things. If you notice any damage to your roof, you’ll need to submit a homeowner’s insurance claim to help reduce your out-of-pocket costs.
Unfortunately, if you don’t follow the correct steps when filing your roof claim, your insurance company might undervalue or deny your claim! Here are four steps to get your roof claim right and get a fair amount to pay for your roof repair or replacement...