The five steps to recover your life after your home and life have been destroyed
Why Hire a Public Insurance Expert?
1. Read everything carefully before signing anything. Your insurance company representatives will give you emergency money first – for immediate needs and shelter. In the second payout round, you have to be careful. Don’t sign anything that restricts your rights to request additional returns.
2. Find a copy of your insurance policy. If it is destroyed or inaccessible, you should be able to get a full copy of the original insurance policy with all notes from the agent who sold you the cover.
3. Make sure your family is safe. Most insurance policies include a language that will help you find a property similar to your existing one. Find a hotel or rental property near your children’s work or school that is large enough, clean, and comfortable. Find a place that is similar in size and accommodations to your previous home.
4. Get professional help. Insurance companies hire and train their experts to represent the interests of the insurance company and ultimately its investors. In many cases, those experts do a great job helping their policyholders. However, sometimes their experts are too focused on the bottom line of the insurance company rather than paying the policyholder what they rightfully owe under the terms of their insurance policy. If you are unsure about what your insurance company is telling you, or if you simply don’t have enough time and expertise to fully assess and handle your claim, contact a professional who works for you and represents only your best interests.
5. If you’re going it alone, take it slow and take your time. The insurance company may pressure you to speed up the process – you may want to put all this behind you as soon as possible to get your life back on track, but you must resist that urge. In cases like this, especially with houses that have been much improved and renovated, or with families with a lot of possessions, almost certainly is a sin. Take your time and carefully review each document before signing anything. If you disagree with your insurance company’s repair or replacement estimates, fight back.
Why Use a Public Insurance Expert.
In many cases, the public adjuster can get more money from the insurance company than you can on your own. Even after deducting the small percentage fee from the public judge (much less than using an attorney), you’ll probably still get ahead.
For most disaster-stricken families, the biggest benefit of using a public insurance adjuster is that they can get back to living their lives while a professional handles all the details. Instead of spending 20 or more hours a week researching replacement and rebuild costs, analyzing and filling out various forms, and negotiating with insurance company loss adjusters and restoration experts, the Public Adjuster can do all of that. This means that you can resume your family life. Normalcy and a return to a routine schedule will greatly help you and your family adjust and move on.
For many, the time savings and emotional satisfaction of having a professional handle the details and painful negotiations far outweighs the extra resources the loss adjuster can get to do it. It’s more than just the money.