After suffering a loss to your property, you are thrust into an unknown setting and subjected to an overwhelming amount of work. There is usually little room for error when making decisions that can affect thousands or even millions of dollars. It is important to decide early on whether the policyholder will handle this process on their own or if a public adjuster is needed. Time and again, it has been shown that venturing into unknown territory can lead to costly mistakes. Before you file a claim, learn more about the steps taken in a public adjuster claim representation.
Contact Public Adjuster
We recommend that you give us as many details as possible to enable us to better address your situation. As soon as we have reviewed your information and have any questions, we will give you a call to set up a time to come look at the damage. It is important that you be present for the first inspection, so let us set up a time that is convenient for you. At the meeting, we will examine your insurance policy so that you know what we are working with. Having a plan in place based on the loss and the coverage is crucial.
Upon being appointed as your public adjuster, we will begin by reviewing the terms of your policy and determining how they apply to your loss. An in-depth analysis like this helps figure out what kinds of coverage, restrictions, and exclusions may be relevant to your loss. Understanding court cases in recent years, decisions from industry technical articles and opinions, the Insurance Commissioner’s office, and other factors that are likely to influence your standard insurance policy are all used to map out a claims strategy, which is then used in the investigation and preparation of the loss and damages documentation and presentation.
In the event of a loss, you, as the policyholder, must act in accordance with the terms of the policy’s “Your Duties After a Loss” clause. Extensive time and money will be invested to complete this process properly. To ensure that the value of your property is fairly represented in your insurance claim, your public adjuster will conduct a thorough inspection of the damaged area and draw up a detailed profile of the property in accordance with the terms of your insurance policy.
Our team conducts a thorough examination of the schedule of losses after the entire nature of the loss has been determined and documented. The claim is then broken down into sections that are in line with the numerous policy provisions that are relevant. After you have seen the paperwork and given your final approval, the claim for property damage can be sent off to the insurance company.
Claim Negotiation and Settlement
Once a claim has been approved and submitted, we will begin monitoring its progress on your behalf. We are also happy to respond to any questions about a claim by the insurer, as they are known to be a means of a delay tactic.
Maximize your claim recovery through the services of Stone Claims Group. Contact us at 1-800-892-1116 for a free claim review or to request a proposal.