Hail damage claims
Hail Damage - Public Adjusters
Don’t be victimized in the adjustment and repair replacement process resulting from hail damage. It just makes good sense to have a public adjuster handle your hail damage claim to make sure you are properly compensated for your hail property loss.
Filing a property insurance claim and successfully recovering your financial loss from hail damage can be quite challenging given the many insurance policy coverage issues that arise and the discretionary nature of the insurance adjusting process.
Don’t depend on the insurance company to tell you what they want to pay you. Many adjusters and the insurance companies they work for may have different adjusting standards outlined in their respective claim department manuals.
If a hailstorm is severe enough, visible damages should be obvious and undisputed by the field adjuster inspecting the damages and thus coverage of the loss should be confirmed early on in the process. This is the easy part. Unfortunately, we get calls from policyholders who are offered partial repairs of roof and siding rather than proper replacement.
With many hail claims, there will be other issues you will face such as the scope of damages and the dollar amount your insurance adjuster says you are going to get paid given the insurance policy terms and conditions. Often, the assigned insurance adjuster’s training, experience and knowledge of this type of adjustment process will play a very important part in how your claim is both valued and settled.
Our professionals work with a results-driven approach to provide customers peace of mind through timely mitigation and an enhanced insurance claim process. We keep our clients well informed about the process of their insurance claim progress and help them understand what is happening. Over a period of time, our staff has gained extensive experience in handling all types of property loss and are strategic in immediately mobilizing the assistance with your water damage insurance claim.
The whole way through the insurance claim process, we work closely with your insurance company to ensure a seamless process.
Important Steps of The Claims Process!
Help Ensure Coverage From Your Insurance Company
Review your insurance policy and determine all available coverages and limitations.
Accurately measure and create an itemized estimate of all repair costs associated with your loss.
Present your claim to your insurance company and work collaboratively towards a prompt resolution.
Once the settlement is received, we will assist you in working with your mortgage company to make sure you have the funds needed to begin restoring your property.
Once the settlement is received, we will assist you in working with your mortgage company to make sure you have the funds needed to begin restoring your property.
SUFFERED A WATER DAMAGE LOSS?
We are Ready to Help File and Settle Your Claim
A public adjuster represents the policyholder during the claims process. Unlike insurance adjusters that work for insurance companies, a public adjuster works to help you get the maximum benefits from your policy. Once you hire a public adjuster, you no longer have the stress of battling with your insurance company. Public adjusters will be the ones communicating with the insurance company throughout the entire claim, allowing you to focus on getting your life back to normal as quickly as possible.
Hail Damage – Public Adjusters are able to negotiate with your insurance company on your behalf to get you the benefits you’re entitled to. Although it’s recommended to contact a public adjuster at the beginning of your water damage claim, public adjusters can also help if:
- Your insurance company is refusing to cover ALE (Additional Living Expenses) or Loss of Use expenses. A public adjuster can work with your insurance company to get you reimbursed for any living costs you incurred during your water damage repairs.
- You are not happy with the repair of your home. A public adjuster can negotiate with your insurance company in order to get the “like-for-like” standard outlined in your policy.
- The settlement offered by your insurance is not enough to cover pre-loss conditions. A public adjuster can negotiate with your insurance company to maximize your claim settlement, allowing you to return your home or business to its original condition.
Wherever you’re at in the claims process, you may be wondering—why do I need a public adjuster when I can get my own repair estimates and talk with the insurance company myself?
While it’s true that you can go through the claims process solo, most homeowners do not have experience dealing with water damage claims or in-depth knowledge of insurance policies and home repair. Plus, since a person’s home is often one of their most valued assets, it’s easy to get emotionally involved. Additionally, public adjusters do their best to maximize payouts for insurance claims. They know how to speak to insurance carriers to do everything in their power to get you the money you need for your repairs.
What’s more, most contractors and floor experts are not licensed by the Department of Insurance and are not legally allowed to represent you on your hail damage claim. Public adjusters, on the other hand, are licensed by the state and can provide legal representation for you throughout the claims process.
Finally, a public adjuster will be there throughout the entire claim to guide and advise you, negotiate with your insurance company, and manage and submit any necessary paperwork. Since public adjusters understand the claims process and negotiate with insurance companies on a daily basis, they have a lot more knowledge than homeowners when it comes to getting a fair settlement. The best part? A public adjuster only charges a small percentage based on what they settle for with your insurance and will do everything in their power to maximize your claim settlement.
If you’ve experienced water damage to your home or business, Apex Adjusting Group can help. We are committed to getting our clients a fair adjustment from their insurance company. Contact us today for a free consultation.
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Lets us ensure your claim is handled properly, timely, and that you receive the full settlement you deserve so you can repair your property, and live your life.
