A damaged home or property is stressful enough on its own, but filing the insurance claim introduces a whole new set of worries. Dealing with the results of a disaster can take a huge toll on anyone, and the only thing between you and getting back to your normal is receiving your settlement.
Before you file that claim, you should know some of the red flags that could occur along the way. Knowing the issues that could arise is important, but it's best to call our reputable public adjusters at Liberty Adjusters to help represent you throughout this process.
Here are some warning signs to look out for during your claim.
Insurance Claim Warning Signs
We know how hectic it can be to deal with home damage and insurance claims. The last thing anyone wants after property damage is for another thing to go wrong. These issues with your claim could result in your payment being delayed, or even worse, your claim may be denied.
Lack of Communication
No one likes being left in the dark, and when waiting on a settlement, it can get stressful. Legally, insurance companies have to reply back to you within a designated timeframe after you file your incident report.
If your insurer is not responding or the process is taking much longer than it should, your home or business claim could be in trouble. Keep all records you have with your insurer, and be sure to contact them to inquire about the delay, if still no response, contact our team at Liberty Adjusters.
The Claim is Being Investigated
One of the most worrisome outcomes would be that your claim is being investigated. This is obviously very stressful, as you likely aren’t trying to do anything with malicious intent, but your claim could ultimately be denied if the insurance company finds something in your claim that they don’t like.
Having your claim investigated can be extremely frustrating. One sure-fire way to solve this issue? Hire a public adjuster before you file a claim; letting them handle the filing process and representing you to the insurance company.
You don’t want to slow down your claims process by saying the wrong things or filing anything incompletely, so hiring a professional adjuster is your strongest line of defense.
What’s the Difference > Independent Adjuster Vs. Public Adjuster
Insurer Asks for Recorded Statement
Unlike most businesses, insurance companies profit the most when they don’t give you your money's worth. No matter what the insurance company says to your face, they could be using as many tricks as they can to keep you from getting the settlement you deserve.
When an insurer asks for a recorded statement, they may be trying to trap you! It’s hard to tell even the most honest story without the chance for a discrepancy. Any mistake you make has the potential of getting your claim denied, from reporting the wrong time of day, to reporting the wrong damage to the property. If you are asked to provide a recorded statement, make sure your details are in order before you begin.
Our experts at Liberty Insurance Adjusters know how the insurer will interpret everything, ensuring your claim is well received, and your settlement is as large as possible! Call today or submit your claim online!
Remove Claim Red Flags with a Public Adjuster
There are many insurance claim red flags to look out for because there are plenty of things that can go wrong! Filing an insurance claim is not as simple as it seems, especially if you are filing one yourself. From avoiding malicious traps from the insurance company to making minor mistakes in your report, there is much that can go wrong.
You should always call Liberty Adjusters before you file your claim to protect yourself and improve your settlement. A public claims adjuster will not only work to improve your claim payout but also handle the claims process entirely, ensuring everything is completed correctly and fairly.
Most homeowners who use a public adjuster have their claims settled quickly and their settlements are larger than expected. All without the run around of having to deal with insurance on your own.
Submit your claim online today or contact us at (813) 922-5129 to have peace of mind when you need it most.