To help you navigate your claim and help you get the maximum amount that’s owed to you, be sure to ask these important insurance claim process questions before signing anything.*
The deductible that your policy carries is the dollar amount that you will be responsible for before insurance will kick in. Let’s say you have a $500 deductible and $2,000 in storm damages. You’ll pay $500, and your insurance company will pay the remaining $1,500.
Even if you think your home or property damages won’t exceed your deductible, you may still want to file an insurance claim in case unforeseen costs are discovered later.
There’s no hard and fast rule for how long an insurance claim should take, as each case will vary. However, insurance companies are notorious for drawing out the claims process, especially if they owe you a large sum of money. On your end, make sure you submit all documents and photos in a timely manner to help ensure that your claim doesn’t get delayed.
[pullquote]Hiring a public adjuster could help expedite the insurance claims process.*[/pullquote]
If you don’t hire a public adjuster, your insurance company will assign you one of their own adjuster. The problem with this, however, is that an insurance company’s adjuster naturally have the best interests of the insurance company in mind, not yours.
Consider hiring a public insurance adjuster if you have extensive damage, your claim is taking too long or if you are unsure about the details of your insurance policy.
*This information is for education only, and is not meant as a guarantee of results. Your results may vary.
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