We see it all the time. Your property insurance claim is either outright denied, or you are offered a much smaller settlement than you were expecting. What do you do? Who do you turn to? Thankfully, this may be something that we can help out with, but let’s talk about why your claim may have been denied first.
Why Your Claim May Have Been Denied
You may have been blind-sided to find out that your home insurance claim for a fire, water damage, or storm damage was denied. Why do insurance companies deny claims? Most of the time, insurance companies will try to prove that the damage to your home occurred before the incident took place, or that the damage is not covered under your insurance policy.
Insurance policies are very difficult to read and understand. There are many endorsements and exclusions that seem to talk in circles and make determining coverage very hard to determine. It is important to fully understand what is covered, or sometimes more importantly, what is not covered, under your insurance policy. It is also vital to document the damage with photos and videos as it occurs, including the times and dates of those occurrences.
The Most Common Property Insurance Claims
The most common property insurance claims in the Milwaukee area are storm damage, water damage, and fire damage. These are also the most common claims that are either denied or undervalued by insurance companies because oftentimes, they are the most expensive for them to cover.
It is with these claims that you need to consider hiring a Public Adjuster to be sure that you are not taken advantage of, and that you will receive the insurance settlement you deserve and paid for.
How Public Adjusters Come into The Equation
Public adjusters are there to make sure that you are being treated fairly by your insurance company. We are experts in dealing with all the major insurance companies and are able to talk their language. We know how to present your claim in order to get you the maximum payout.
Many insurance companies try to confuse their customers into accepting a settlement that is far too low (sometimes over $100,000 less than what is owed) or accepting that a claim was denied, even when it should have been covered. We are your first line of defense to assure the insurance company knows that they can’t push you around. We level the playing field!
Difference between Public Adjuster and an Insurance Company’s Adjuster
An Insurance Company’s Adjuster is out to do only one thing – save the insurance company money. You cannot trust them to look out for your best interest. They are not there to make sure you get a fair and accurate payment of the settlement, but rather give you the least amount of money they can.
A public adjuster works for YOU! Our goal is to make sure you get the money that you deserve for your claim and to hold the insurance company to their promises. This can sometimes mean getting paid double, triple, or more than what you were originally offered and we always welcome any questions you have.
The Process of working with a Public Adjuster
The sooner you contact a Public Adjuster about your property insurance claim the better. It is ideal to contact us before you file your claim, and we will make sure that your settlement goes off without a hitch. If you have already started your claim, that’s ok too! Most people don’t realize what is happening until they get an offer from the insurance company and say to themselves “Wow, that’s it?!”
If this sounds like you, contact us immediately for a FREE CLAIM REVIEW by filling out the form below or calling (844) 383-3473, and we can get to work negotiating with your insurance company. We make sure your insurance company pays you the money you deserve!