understanding your insurance policy

understanding your insurance policy

Meaningful Steps to Take When Working With a Public Insurance Adjuster for Property Damage

by Tuĝba Van Den Heijkant

If you have a property that's insured, you'll have to submit a property claim if damage occurs. Part of this process might involve working with a public insurance adjuster, which will remain a positive experience as long as you take these steps.

Hire a Public Insurance Adjuster for the Right Reasons

Your insurance company will send out its own adjuster to assess the damage done to your property. If things don't work out with this professional, then you have the right to hire an additional public insurance adjuster. You just need to know when hiring one is a good idea.

Probably the most relevant reason is when the initial claim amount given by your insurance company doesn't seem like enough. In this case, you can hire a public insurance adjuster to check their process and compensation value. If it turns out the claim is undervalued, you have a leg to stand on for getting the claim amount changed. 

Have Your Public Insurance Adjuster Work With the Original Adjuster 

If you do end up hiring a public insurance adjuster to make sure the claim for property damage is fair, then make sure you have them coordinate with the original insurance adjuster. This will be needed in order to get your property damage claim processed quickly.

The public insurance adjuster can relay important information back to your insurance company's adjuster, such as repair estimates from contractors and evidence of the damage that needs to be fixed. Coordinating with the insurance company's adjuster in this way is key for moving on to subsequent stages smoothly. 

Get Help With Every Part of the Claim Process

One of the biggest advantages of working with a public insurance adjuster is the fact that they can help you with every step. You need to take advantage of this hands-on approach because it's going to make filing a property damage claim a lot easier from start to finish.

They can help with steps like gathering evidence of the damage, consulting with repair contractors, talking to the insurance company's adjuster, and revaluating your claim amount as more evidence comes in. Let a public insurance adjuster assist with all of these steps, so that you don't have to do as much yourself.

If you're involved in a property damage situation where a public insurance adjuster is needed to move your claim along, make sure you take the right steps with this professional and others involved. Contact someone like Anthony Ricciardi Licensed Public Insurance Adjuster for more information about these services. 


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understanding your insurance policy

You keep a copy of your insurance policy in your file drawer, but do you know how to read and understand the policy? Having an insurance policy will protect you from losses, but it won't protect you from all losses. To get a better understanding of what your policy will and will not cover, read through this blog. You will learn about all different types of insurance policies and learn the terminology used in the documents that you have read. Hopefully, by the time you have read through the content here, you will know exactly where your insurance policies are lacking so you can make changes.