Hiring Contractors for Insurance Claims: How an Insurance Claim Contractor Works

Even if the contractor means well, the contractor is unlikely to have the experience needed to competently handle an insurance claim – especially claims involving complicated damage or large payouts. Insurance is regulated at the state level, so the role and level of involvement of contractors for insurance claims that is legally allowed will depend on your state.

Today, we’re explaining the pros and cons of insurance claim contractors, including when to hire a contractor for an insurance claim – and when to hire a public adjuster instead.

Hire Reputable Contractors for Small Insurance Claims

For larger insurance claims, using an insurance claim contractor can be risky.

For smaller claims, however, it may be a good idea to use an insurance claim contractor – assuming the contractor is a good and reputable individual.

Keep in mind that in some states, like Texas for example, it is illegal for a contractor to fully handle an insurance claim on behalf of a policyholder. This is because a conflict of interest can arise when the person in charge of performing the repair work, is also given the authority to negotiate a claim settlement or try to interpret what is covered under a policy. It’s important to be aware of this, even if it is legal in your state.

Unfortunately, many contractors make similar promises about their work, making it difficult to separate reputable contractors from disreputable ones.

All contractors claim to be good, honest, and fair. This makes it hard for homeowners and commercial property owners to distinguish good and bad contractors – especially if you have limited experience with insurance claims or home repairs.

Things to Ask Your Insurance Claim Contractor

How can you separate good and bad insurance claim contractors? Here are some of the things any reputable contractor will be happy to provide before handling your claim:

Written Estimates: All reputable insurance claim contractors will provide detailed, written estimates outlining the exact costs of supplies, labor, and other expenses. If a contractor is unable to provide this information, or if the information seems unusually expensive, then it could be a red flag.

Schedule and Time Frame: Does the contractor have a specific estimated date of completion? Does the contractor have a timeframe for work to be completed? Contractors with vague timeframes may be unable to complete the work in a timely manner. Or, they might hastily do a half-quality repair job, completing your job weeks before any reputable contractor would complete it.

License Number: All licensed contractors are able to provide license numbers proving they are legally able to work in your jurisdiction.

Insurance Information: All reputable contractors will also be able to provide their insurance information, including the amount of liability insurance they carry and the number of their general liability policy. Don’t let any contractor work on your property without insurance.

Experience & Qualifications: Has the contractor handled similar repairs from similar claims in the past? Does the contractor have firsthand experience dealing with these types of property damage issues? The more experience and qualifications the contractor has, the better they will be able to handle the repairs for your insurance claim.

Guaranteed Work or Satisfaction: Not all contractors guarantee their work – even reputable contractors leave wiggle room if something goes wrong. However, all reputable contractors have some type of satisfaction promise or guarantee. Ask the contractor what happens if you’re unsatisfied with the work – or what happens if the repairs fall apart within months of the job.

All reputable contractors provide the information above for free. You should not have to pay to obtain any information.

How Insurance Claim Contractor Scams Work

Every year, thousands of Americans are victimized by insurance claim contractor scams.
Some of these scams are relatively minor: the contractor overcharges the insurance company for work while performing average-quality repairs to the property.

Other scams are more serious, with insurance claim contractors disappearing with millions of dollars in claim payouts while performing zero repairs.

Most insurance claim contractor scams fall into one of the following examples:

Poor Craftsmanship and Bad Repairs: Some insurance claim contractors promise the highest level of work. They claim to perform repairs to the best possible specifications, restoring your home perfectly to pre-loss condition. In reality, they charge your insurance companies a premium rate while performing lower-quality repairs, then pocket the difference. They might use poor building materials or shoddy craftsmanship, for example.

The Disappearing Contractor: Some contractors take this scam to the next level. They contact policyholders, get policyholders to sign their rights to the contractor, accept the insurance claim payout, and then simply disappear. One unlicensed contractor in Florida recently scammed an elderly man out of $60,000, accepting the insurance money and then never completing repairs.

Warning Signs You’re Dealing with a Bad Insurance Claim Contractor

To avoid being victimized, be aware of the following warning signs of bad insurance claim contractors:

The Contractor Offers to Pay You: If a contractor offers to pay you to handle your insurance claim, it’s a sign you’re dealing with a bad insurance claim contractor. The contractor might claim to charge your insurance company $100,000 for the job, for example, when they can really do it for just $80,000. This is insurance fraud, and it could leave you with low-quality repairs on your home.

The Contractor is Going Door to Door After a Disaster: After major disasters hit a region, insurance contractors from across the country flock to the area to make money. Some contractors are reputable, while others are not. Reputable contractors don’t typically go door to door after a disaster asking to handle your claim. Instead, they let customers reach out to them.

How to Avoid Insurance Claim Contractor Scams

With basic precaution, you can avoid common insurance claim contractor scams.

Read the Fine Print: When you authorize your contractor on your insurance claim, you’re taking an important legal step. It’s crucial to read the fine print on this agreement. Some contractors seem legitimate, then hide malicious terms and conditions in the fine print.

Check References: Take a few minutes to call references provided by the insurance claim contractor. A reputable contractor will be happy to provide multiple references. A lower-quality contractor may be unable to provide any references.

Ask for a Second Opinion: Are you concerned about a contractor’s estimates? Are you worried about the real cost of repairs? Ask for a second opinion. Any contractor can provide a free estimate, making it easy to see exactly how much repairs cost in your area.

Don’t Pay Contractors Upfront: Do not pay a contractor before speaking to your insurance company. If the contractor asks you to pay 50% upfront, for example, politely decline. Insurance companies will typically pay the contractor directly. Or, the insurance company will send a check payable to you and the contractor, and both parties sign off on the check. It’s rare for you to pay the contractor out of pocket unless it’s for temporary or emergency repairs – and even then, you should request an estimate and detailed invoice upfront.

Keep Track of All Receipts, Payments, and Other Information: The days following an insurance claim can be overwhelming. You’re bombarded with information while picking up the pieces of your life. Despite the confusion, it’s crucial to keep track of your receipts, payments, and other information. The better organized you are, the easier your claim will be.

Leave Larger, Costlier Insurance Claims to the Professionals

Contractors are not insurance claim professionals.

Some contractors might have experience dealing with claims, but contractors are not certified experts. They don’t have the skills, expertise, or education to navigate complicated insurance claims.

In some cases that can be okay for smaller claims, where minor errors are unlikely to impact your financial future.

For larger claims, however, a single error could change your life.

One mistake on your fire damage insurance claim could cause your insurer to deny a $100,000 payout, for example. It could literally change your financial future – all because an inexperienced contractor made a simple mistake.

This assumes the contractor is acting in your best interest – which isn’t always the case.

If the contractor acts maliciously, then you might suffer in other ways. Your insurance company might pay $100,000 in home repairs, but your contractor cuts corners and uses poor-quality materials to give you a $25,000 repair job, pocketing the extra $75,000 in profit. You and your insurer paid the same amount for your claim – but your home may fall apart quickly due to the low-quality repair job.

For all of these reasons, most experts do not recommend using an insurance claim contractor for larger or more complicated claims.

Generally, if your home or commercial property insurance claim is more than $10,000, it’s best to hire a Public Adjuster or Insurance Attorney for assistance with any claim disputes, denials or other issues.

Hire a Public Adjuster to Work With Your Contractor for Larger, Costlier Claims

Public adjusters are certified, licensed insurance industry professionals. A good public adjuster has decades of claims experience.

Public adjusters can manage your claim from beginning to end. They negotiate with your insurance company, manage contractors, and ensure your claim gets completed and paid in a timely manner.

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Public adjusters charge a fee after you accept the insurer’s final settlement. They charge a small percentage of the total claim payout. However, they’re often able to double or even triple insurance claim payouts, to ensure you are fully indemnified for your loss.

ClaimsMate’s public adjusters have firsthand experience with fire damage insurance claims, water damage insurance claims, flooding, mold, and all other types of claims. Contact us for a free assessment – don’t risk your financial future on an unproven insurance claim contractor.

Original Post Here: Hiring Contractors for Insurance Claims: How an Insurance Claim Contractor Works

How To Speed Up An Insurance Claim For Property Damage

In other cases, the insurance company is not acting maliciously, but the claim is so complicated that it takes months to process.

Whatever the situation may be, it’s important to understand how to speed up an insurance claim.

By speeding up an insurance claim, you get money in your bank account sooner – at a time when you need it most.

We’re sharing some of the tips, tricks, and strategies anyone can use to speed up a homeowners insurance claim.

Before a Claim: How to Proactively Speed Up an Insurance Claim

Some of the best opportunities to speed up an insurance claim occur before a disaster.

By creating an inventory and keeping separate copies of important documents, for example, you can drastically speed up an insurance claim.

Even if you’re in the middle of a claim, the tips below can help avoid headaches for your next claim.

Take a Regular Inventory of your Home and Possessions

If you’re in the middle of a claim, then it’s too late for this tip. However, maintaining a good home inventory can speed up an insurance claim.

If you are currently dealing with a home or commercial insurance claim that involves lost or damaged personal property, then getting your inventory of damaged items and proof of loss forms thoroughly and accurately completed will help expedite the claim process.

Many people keep an inventory of all of their possessions in their home. You might have a binder, notebook, or spreadsheet listing your possessions, their approximate value, and any accompanying receipts or photographs.

This is less important for low-value items – like cutlery or a shampoo bottle. However, it’s important for higher-end items, including televisions, jewelry, and other valuables.

Many insurance companies require additional documentation when replacing high-value items – say, anything worth more than $500. If you have a home inventory, you can quickly provide your insurance company with the proof they need to reimburse you.

Set aside one day every 6 or 12 months to refresh your home’s inventory. A good, accurate, well-maintained home inventory could speed up your claim by months.

Keep Copies of All Important Documentation

In a house fire or other serious disaster, you might lose everything. Replacing important documentation is difficult and time-consuming. However, it’s much less difficult and time-consuming if you have copies of all important documents.

Consider making copies of the following documents:

• Mortgage information
• Land titles
• Insurance forms
• Birth certificates, passports, and similar documents

Make copies of all your important documents today. Keep these copies in a folder and leave them in a secure location – like a fireproof and waterproof safe, a safety deposit box, or the home of a trusted friend or relative.

Or, pack these copies in an emergency kit with other important items, making them easy to grab before disaster strikes.

In a major disaster, you might lose the original versions of these documents. If you have copies, it speeds up your entire recovery process – including your insurance claim.

During the Claim: How to Get an Insurance Settlement More Quickly

There are steps you can take during the claim to speed up the claims process.

Take Photos and Videos of the Damage ASAP

After a major insurance claim, your insurer requires evidence of the damage. Take photos and videos of the damage as soon as possible.

Remember: the restoration company will start to restore and repair the damage. If you don’t take photos or videos of the damage today, then you might miss your opportunity.

You might claim your $1,500 TV through your insurance, for example, only to find you have no evidence of the damaged TV. The TV has already been removed from your property by the restoration crew.

Once it’s safe to do so, take photos and videos of the damage around your property. The more evidence you have, the smoother and faster your claim will be.

Take Steps to Limit Further Damage

Homeowners insurance and commercial property insurance policies cover unexpected events – like a house fire. Your insurance policy does not, however, cover damage that occurs after a covered event that could have been avoided – like rain damage that occurs for weeks after a fire previously tore a hole in your roof.

That’s why it’s crucial to limit further damage to your property after a disaster. Take steps to mitigate further damage. Put up tarps to cover holes in your roof. Remove damaged items if needed to prevent further damage. Contact a 24/7 emergency restoration crew as soon as possible.

Be Present When the Adjuster Inspects the Damage

Your insurance company should send its adjuster to your home to inspect the damage. This is a normal part of the claim process. The adjuster inspects the damage, determines coverage, and analyzes the scene.

It’s important to be there when the adjuster arrives. When you’re on scene, you can explain exactly what happened to the adjuster. You can answer questions, solve ambiguities, and identify exactly what was damaged.

Your insurance company’s adjuster plays a crucial role in the claims process. You will interact with the adjuster regularly. If you’re present from the first moment your adjuster arrives, you start the relationship on the right foot. If you haven’t already met with the insurance adjuster for a property inspection, then be sure to read these tips as well.

Keep the Receipts

Your homeowners insurance policy covers additional living expenses (ALE). These expenses include hotel accommodations, meal expenses, personal hygiene items, and other costs you incur after moving out of your home.

Your claim will go more quickly if you have receipts for all of these expenses. Your insurance company will ask how much you spent after moving out of your home. If you can provide specific receipts instead of vague numbers, then your insurance company is more likely to approve your claim – and not request further evidence to slow down your claim.

Receipts to track after a loss include:

• Hotel accommodations, including the cost of staying with any friends and family
• Emergency restoration costs
• Any supplies and materials used to control the scene after damage
• Rental car costs
• Meals and food receipts
• Personal hygiene expenses and all other additional living costs you would not normally incur if your house was in livable condition

After the Initial Damage: Be Proactive to Speed Up Your Insurance Claim

As your insurance claim proceeds, you can take further steps to speed up your insurance claim.

Review your Policy

Most homeowners have insurance, but many homeowners don’t understand exactly what’s covered. You might pay thousands per year for home insurance – only to realize it doesn’t cover flooding and other significant issues.

Review your policy. It makes all other aspects of your claim easier. If you don’t know your policy, then you’re negotiating from a position of weakness. Homeowners take advantage of this weakness to pay you less for your insurance claim – or drag your claim out.

Keep Records of All Conversations with your Insurance Company

Insurance claims can be worth hundreds of thousands of dollars. It’s crucial to keep records of all conversations with your insurance company to avoid any misunderstandings.

Every time you talk to your adjuster or anyone else from your insurance company, make notes about the conversation.

Your notes should include:

• Topics covered during the conversation
• Specific claims or promises made during the conversation
• The name of the employee or adjuster
• The date and time of the conversation

Ideally, your claim proceeds smoothly and your insurance company abides by its promises. In many cases, however, your records of these conversations become important.

Keep track of all phone conversations, emails, text messages, voicemails, and other communications between you and your insurance company. It’s an easy way to speed up the insurance claim by creating a physical record of the claim process.

Submit your Proof of Loss

Your insurance company requires you to submit a “Proof of Loss” document to back up your claim.

This is a crucial document. It outlines important details of your claim. You need to complete this document and return it in a timely manner.

The sooner you complete the Proof of Loss form accurately, the faster your insurance company can process your claim.

Note: Some insurance companies try to trick policyholders with Proof of Loss forms. Your insurer might ask you to submit your ‘proof of loss’, for example. You submit receipts, invoices, estimates for repairs, evidence of damage, and other expenses. Then, your insurer denies your claim because you did not submit the specific Proof of Loss form. Be wary of this trick.

Obtain a Second Opinion from a Trusted Contractor

Your insurance company might recommend a specific contractor or restoration company.

Ideally, this contractor is honest, offering competitive service compared to other contractors in your area.

Unfortunately, that’s not always the case. Sometimes, the contractor recommended by your insurer underreports the damage to limit the claim. Or, the contractor might use poor-quality materials to lower the cost of repairing the damage.

Get a second opinion. Contact home-builders or contractors in your area.

You don’t have to use your insurance company’s recommended contractor. You can use any contractor you like.

If there’s a dispute about the value of the claim, it helps to have a second opinion. Your insurance company might claim it only costs $25,000 to repair your roof, for example, when it really costs $45,000 based on the actual repair costs in your area. Without a second opinion, you might receive $25,000 for your claim – and then pay $45,000 for your new roof.

Understand your Legal Rights

All states have insurance laws that govern how insurers respond. Your state has laws requiring insurance companies to respond to claims within a certain length of time, for example.

Check your state insurance commissioner’s website for information about insurance claim laws. If you feel your insurer has treated you unfairly, then review your state’s Unfair Claim Practices act, which outlines when insurance companies are acting in bad faith.

Respond Promptly to Your Insurance Company

All states require insurance companies to respond to your claim within a reasonable length of time. Some states have specific lengths during which the insurer must address the claim – say, 15 to 45 days.

These rules also apply to policyholders. As the policyholder, you need to respond to your insurance company within a reasonable length of time.

If your insurance company asks for documentation, then you should provide that documentation as soon as possible.

If the insurance company is demanding excessive documentation, or if the insurance company is dragging its feet while expecting fast responses from you, then this is a separate issue, and your insurer could be acting in bad faith.

Contact your Insurance Company Repeatedly to Avoid Wasting Time

If your insurance company is taking too long to respond, then be diligent.

Continue contacting your insurance company. Reach out to your insurance company regularly. Check the status of your claim. Ask if they need additional documentation. Find out why your claim is taking too long.

Some insurance companies are slower than others. Some insurance companies are understaffed. Others are overwhelmed by an excessive number of claims – say, after a natural disaster in your local area.

By contacting your insurance company, you ensure the squeaky wheel gets the grease. You show your insurance company you’re proactive about your claim – and you’re not going to wait too long for a response.

After Claim Disputes: How to Fight Back and Get a Faster Settlement

All of the tips above apply to normal insurance claims. By providing your insurance company with documentation and maintaining good communication, you can speed up 90% of insurance claims.

Unfortunately, not all insurance claims go smoothly. Some insurance companies act in bad faith. Other insurance companies deliberately drag their feet or offer an insultingly low settlement.

In this case, you might need to take further action. Here are steps to take to speed up your insurance claim after a claim dispute.

Deny, Negotiate, and Fight Back

Many homeowners are unaware they can deny their insurer’s payout. If you are unhappy with your insurance company’s offer, then you can deny, negotiate, and fight back.

Deny your insurance company’s initial offer. Fight back by providing additional documentation. Negotiate with your insurance company until you receive an acceptable payout.

Hire Professional Assistance

Every year, insurance companies victimize thousands of property owners across the United States.

Many insurance companies take advantage of naïve policyholders. Most property owners only have one or two significant claims in their life. You might not understand how claims work or what to expect. Insurance companies may take advantage of your inexperience.

If your insurance company is:

• Pushing you around
• Denying or reducing your claim without just cause
• Dragging its feet or taking too long

Then consider hiring professional assistance in the form of a public adjuster or an insurance attorney.

ClaimsMate’s public adjusters offer free consultations. We’ll review your claim, then explain how we could help speed up your insurance claim.

Originally Published Here: How To Speed Up An Insurance Claim For Property Damage

How to Deal with a Home Insurance Adjuster from the Insurance Company | Claimsmate

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Oklahoma

ClaimsMate is here to help with public adjusters across Oklahoma. Our public adjusters are available to help with insurance claim adjusting in Oklahoma City, Tulsa, and other major cities across the state; however, we also have qualified, licensed public adjusters to help in smaller towns from Boise City to Sallisaw, Oklahoma.

Our licensed public adjusters have combined decades of experience helping property owners in Oklahoma get better settlement offers from insurance companies. In many cases, public adjusters can double or even triple your payout. That means two to three times more money for your claim at a time when you need it most.

Remember: insurance companies in Oklahoma are for-profit businesses. Their goal is to pay you the lowest amount they are legally required to pay on every claim.

That’s why a growing number of Oklahomans are fighting back against greedy insurance companies by hiring a public adjuster.

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How Do Public Adjusters Help With Claims in Oklahoma?

Public adjusters in Oklahoma use a proven process to handle insurance claims.

Some Oklahoma property owners hire a public adjuster after the insurance company has denied or reduced a claim. Others hire a public adjuster immediately after experiencing a major loss.

Public adjusters are typically only used for cases where a significant amount of money (more than $10,000) is being disputed between the property owner and the insurance company.

Here’s how most public adjusters in Oklahoma work:

Step 1) Analysis: The public adjuster analyzes your claim and assesses the damages.

Step 2) Negotiation: The public adjuster negotiates with your insurance company.

Step 3) Settlement: The public adjuster secures a final settlement offer.

If you are happy with the final settlement offer from your insurance company, then the public adjuster’s role is done. You only pay when you accept the insurance company’s final offer.

How Much Does a Public Adjuster Cost in Oklahoma?

All Oklahoma public adjusters will disclose their fees before they start the negotiation process. Typically, public adjusters charge a percentage of the final settlement from your insurance company. This fee will be discussed upfront and usually ranges from 5% to 10%, which is why public adjusters are usually only hired for claims totaling over $10,000.

Contact a Licensed Public Adjuster in Oklahoma Today

The Oklahoma Insurance Department requires all insurance adjusters working within the state of Oklahoma to have a license. Licenses are available to residents and non-residents of Oklahoma. Applicants must study a detailed insurance textbook, then pass an in-person exam. Many adjusters will take classes to prepare for the exam.

Because of this licensing process, you can rest assured you’re working with qualified public adjusters. When you hire a licensed public adjuster in Oklahoma, you’re getting the best possible public adjuster for your unique needs.

With ClaimsMate, our public adjusters are licensed and experienced professionals with a proven track record of securing higher claims for clients.

Wherever possible, we also try to connect property owners with public adjusters who have firsthand experience with each claim. If you are making a hail damage insurance claim, for example, then we want to connect you with one of our public adjusters with extensive experience in dealing with hail damage insurance claims.

For all of these reasons, ClaimsMate and our public adjusters give Oklahoma property owners the best possible insurance claim outcomes.

Schedule a free, no-obligations consultation with one of our Oklahoma public adjusters today.

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Our public adjusters are available throughout the Oklahoma City and Tulsa metropolitan areas as well as all large and small cities across the state of Oklahoma. We can start working on your claim immediately.

The sooner you contact us, the sooner you can get paid by your insurance company.

Remember: you pay nothing upfront. Public adjusters work on a contingency basis, which means you only pay after you have accepted the final settlement offer from your insurance company.

Learn More Here: Oklahoma

Plano

Anyone who has ever filed an insurance claim is probably familiar with the term “adjuster.” These are the people who process, investigate, and determine the fate of an insurance claim with the insurance company. Most of them are staff adjusters, which means they are on the insurance company’s permanent payroll, but some of them are independent, which means they work freelance. Either way, the insurance company pays them, so their goal is to pay out as little of the insurance company’s money as possible. This can leave Plano homeowners in a bind if they suffer damage from severe weather and this is the time they might need a TDI Licensed Plano Public Adjuster

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Plano residents have the option of hiring a public adjuster to help them ensure their claim is paid in full. A public adjuster works for the insured, and they investigate and negotiate the claim with the insurance company. They are experts at getting claims paid because they’ve been in the insurance industry long enough to know how the system works. They know what forms the insurance company needs, and they know how to take pictures of the property damage.

Public adjusters aren’t needed for all claims. Simple claims with a straightforward policy can be handled by the homeowner without the need to spend additional money. But, for those claims that are long and complicated, a public adjuster can simplify it by handling it from the beginning. The public adjuster will even oversee the needed repairs. This frees up the homeowner for other projects.

Texas law stipulates that public adjusters can’t charge more than 10% of the claim payout, so most adjusters follow the industry standard of 10%. Some choose to charge an upfront fee in case the claim doesn’t get paid out. Whatever their fees, a Plano public adjuster will put it in writing and present it at the first meeting. Homeowners with property damage should contact a public adjuster to uncover all of their options.

Looking for a public adjuster in another Texas city? We have adjusters located all over the State of Texas. Click here: Find a reliable TDI Licensed Texas Public Adjuster.

Source Here: Plano

Midland

If you’ve experienced property damage to your home or business, the last thing you want to worry about is the insurance company. Maybe you’re not familiar with your insurance policy, and the idea of reading through it causes you a good deal of stress. Not to worry, a public adjuster can help you with both of those issues. Public adjusters are individuals who specialize in helping homeowners. They’re not paid by the insurance company, so their focus is strictly on you.

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Public adjusters are experts in insurance claims because it’s what they do all day long. Many of them started at insurance companies in one capacity or another and then moved into adjusting. They know all the tricks and loopholes insurance companies look for with each claim that comes in, and they can make sure your claim doesn’t get delayed or denied.

You have a lot to worry about on a daily basis, you don’t have time to deal with insurance companies and denied claims for property damage to your home or business. Sometimes it’s better to have an advocate take care of those issues. Public adjusters can be those advocates. They handle the claim right from the beginning, and if there is an issue, the adjuster will negotiate with the insurance company on behalf of the homeowner. It frees you up to get your house or business back in order.

We as ClaimsMate.com work hard to insure our clients are happy and satisfied with the private adjuster they hire through us. If you need a private adjuster from another city, you can visit this page to locate one.

See Full Article Here: Midland

Lubbock

The typical process starts with a homeowner meeting with a public adjuster. Insurance claims in Lubbok range from weather damage to theft, and public adjusters in the area are familiar with how insurance companies handle these types of claims. They review the homeowner’s situation and write up a proposal of fees. Most Lubbock adjusters use the industry standard 10% fee from the payout, but there are a few that use the flat fee and hourly payment structures. Once the homeowner signs the contract, the public adjuster begins processing the claim.

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The adjuster will take pictures of the damage, fill out the forms, and send in all the required documentation to the insurance company. From there, the adjuster will hire a contractor to take care of the damage, and then oversee the process to make sure the repairs are done properly. Texas law prohibits public adjusters from participating in the repairs themselves, so a contractor needs to handle the repairs. Once the contractor completes the repairs, an adjuster checks with the homeowner to make sure they’ve taken care of all the details, and then the work is done.

Dealing with a public adjuster can make the claims process so much easier for most homeowners. Since homeowners only deal with their insurance policy when they need it, the verbiage can be confusing. A public adjuster reads those policies regularly, and they’re familiar with most local and big name insurance policies, as well. Their expertise can help close a claim quickly.

ClaimsMate will supply a Texas Licensed Public Adjuster to you no matter what city you live in.

Article Source Here: Lubbock

Grand Prairie

Public adjusters are advocates for homeowners, like yourself. They don’t work for insurance companies, so their primary goal is to take care of you. Public adjusters investigate the claim and gather the evidence required by the insurance company, then send off the claim. If there is a question or dispute over the material, the adjuster handles it. Once you hire a public adjuster to take care of your claim, there’s not much else you have to worry about.

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Public adjusters in Grand Prairie follow one of three payment structures: 10% of claim payout, flat fee, or hourly rate. The most commonly used structure is the 10% of claim payout, and it’s the industry standard. In some cases, a public adjuster may prefer to collect his or her fees upfront instead of waiting for the claim to pay out. For those adjusters, they use a flat fee structure, but it still can’t exceed 10% of your claim payout. Public adjusters in Texas rarely use an hourly rate because they can’t exceed the 10% claim payout anyway, so it makes more sense to use one of the other two.

Whatever the public adjuster’s process and payment structure, he or she will discuss that with you in the first meeting. You will have an opportunity to review the proposal and compare it to other adjusters if you want to. Once you sign a contract with a public adjuster, he or she will start working on your claim. In most cases, public adjusters resolve claims quickly and efficiently.

Learn More Here: Grand Prairie