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| Anything covered by fire insurance must be clear in the policy |
Almost all people who have suffered property damage due to fire insurance make costly mistakes during and after the agreement. Subscribers, however, make a very expensive mistake without knowing it. And the winner is (or should we say, loser); Most policyholders simply rely on their insurance company's claims adjusters to view, assess and assess their total claim without reviewing it. This can be the most expensive mistake anyone can make in their lives.
It's bad enough to destroy your property with fire, but trust someone else to visit your property, inspect it, give it proper value, and then trust that you've done everything right. However, insured persons allow this throughout the country, day after day. For most people, it's in human nature to count their "change" in the grocery store or diligently read the dinner note to make sure the waiter does not charge them for things they dont have ordered. We all did it. We strive to tell and follow our change of fools. But when it comes to insurance losses of tens of thousands, even hundreds of thousands of dollars, we depend on the insurance company.
No one knows your property like you. There's a lot to do to properly prepare and configure a fire application. In most cases, objects are forgotten or lost. Especially if someone from your insurance company does it. You do not know your building, your property or your contents (furniture, clothes, etc.). How could they be as accurate as you? In addition, just because an insurance broker visits your property does not mean that you are an entrepreneur, contractor, or occupational certificate in recovering from fire and property damage. Water damage.After reviewing thousands of closed claims, we found that insurance companies and policyholders in most cases do not neglect hidden damage. In almost all cases; It's a good idea for a professional to verify your claim for fire damage. Preferably a fire insurance appraiser, consultant or fire consultancy.
Policyholders often believe that if the insurance company sends them a check and pays the money into their bank account, the claim is closed. It could not be further from the truth. The fact is; In most states, an insured person has three years to file a claim and even add it to an existing claim. For this reason, your claim may be reviewed to ensure that you were properly compensated during the claim process or even after the claim has been resolved. You can also get more money from your claim, even if it was demolished and demolished.
Yes, even if your claim was settled and you deposited the checks, or if your building was demolished and demolished, you can still receive more insurance products if the damage was not properly assessed. In many cases, tens of thousands, even hundreds of thousands of dollars more. Even if an insured believes that he or she has a fair deal, he usually has not.However, it is up to the insured to do their part to protect themselves. Here are some tips to help you review your fire insurance claims. There are tips if you are in the middle of your application, as well as tips if your application has been closed for some time.
Document the damage to your building: Take the time to investigate and document the damage yourself. Take pictures of all damaged parts of your building. Take a look around the room and then take close-up pictures of ceilings, walls, floors, windows, doors, etc. of this piece as well. Bypass the building on the left (clockwise). Before you enter the room, the closet or the next room, make a general description. This is an easy way to organize which photos belong to which rooms. An example is; General description of the living room, then from top to bottom, pictures of the roof, walls, windows, doors and floor. Then the first picture of the next piece is a general description and so on. (There are no photos or close-ups of the content, only the rooms).
1. Complaint closed -Get the documents from your building: The insurance expert took pictures of your building during your inspection. If you have no photos or just minimal photos, ask for all the photos that the claims adjuster has made to the insurance company. You also need to ask for the diagram / sketch used to calculate the square footage of your building. Also ask for the full detailed quote you wrote to get your numbers. This documentation is useful for the damage adjuster of your choice.
2. During the claim
Document the damage inflicted on your content: You can then re-visit each room and cabinet to inventory the content. Make a general picture of every piece of furniture, a pair of shoes, a shirt, a pair of trousers, etc. Then a close-up photograph of damage in this article. Write each item in a content inventory. (Download one by contacting us at the link below). Just as you have photographed and organized photos of damage to your building, you should do the same with the content. Example; Take a general photo of the living room and then move to the left (clockwise). Photograph and make a list of all objects on each wall until you come back to the door where you started. In this way, articles are not lost or forgotten. Once the inventory of the living room is over, go into the next room and start to make a general picture of the room. This helps to organize in which room the content was found. Write the name of the piece at the top of each page of your inventory list. Now the photos and the list are arranged one after the other.
3. Claim closed
Inform yourself about your damage to the content: The insurance expert also photographed your content during your inspection. If you have no photos or just minimal photos, ask for photos that the expert made when adjusting his content. You also need to request the full inventory of the detailed content you wrote to get your numbers. This documentation is useful for the damage adjuster of your choice.
4. During the claim
Check your policies: burn victims should take the time to review their insurance policy. You have to know the basics; What cover do you have in your building? What coverage do you have for your content (furniture, clothing, etc.)? What insurance cover do you have if you live in a hotel or rent a house or furniture? Surprisingly, many people do not know it. In many cases, the police were damaged by the fire. If it is; Go to your agent and ask for a certified copy of your complete agreement. Ask your agent to explain the amount of your insurance cover.
5. Claim closed -
Get a copy of your policy: Contact your insurance company and ask for a certified copy of your "COMPLETE" insurance policy, including the returns page. This documentation is useful for the damage adjuster of your choice.
6. During the claim
Consult a professional: The insurance company will ask an installer to inspect the property, inspect the damage and provide an estimate of the amount of the damage. It is important that you followed the same process. How do you know that the adjuster does his job right? Are you ready to lose tens of thousands of dollars by not taking the time to be sure? It is assumed that the insurance company must declare all cover of fire insurance claims that are made available to the insured, but this is seldom done. Sometimes it's done on purpose, and sometimes it's deliberately done (did you notice that?) This is often done on purpose. It's your property, your policy and your money. Inquire after your loss to be fully compensated. Rent a professional fire insurance to check the rating of the insurance company. Get your own prices and "real" costs to replace your property.
7.Claim closed
Consult a specialist: Have you received a fair settlement for your fire insurance claims? How do you know that when you ask someone? If you are not sure if you have a fair deal with your insurance company, you must report it. If you have collected all data as described above; You will have enough information about your request for a professional exam. Reviewing your application will allow the claim handler to tell you where you are. To leave you in the dark, with the possibility of losing tens of thousands of dollars, even hundreds of thousands of dollars, makes no sense. A small fee to find out where you are is a small price to pay, compared to a significant amount of insurance income that you did not know existed.The reasons are simple. You see, the insurance company's claims adjuster works for the insurance company, while the fire services consultant works for you. You've made the right choice by making sure you have insurance coverage. It's up to you to take the next step and make sure you get what you paid for.
The best way to choose fire insurance or any kind of insurance is to find best company and then look his policies regarding insurances.
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