Before - And - After Your Have and Insurance Claim to File! Before there is a problem the prudent choice is to - Read your insurance policy. Find out what it covers and what it doesn’t. Be sure you are covered for the worst possible conditions. This should include Sewar Backup Coverage, Enough coverage for Flood and Homeowners, as well as enough Content Coverage and deductibles that won't break you.
When you have damage to your home and need to file a claim.
Marc Lancaric - Public Adjuster & President of Global Patriot Adjusters, LLC says; "Absolutely resist the impulse to clean up immediately after the damage. The most important need you must address is taking pictures of the damage."
If you think 10 pictures did the trick to show the damage, multiply this by 10 and take 100. You will never have "too many" pictures of the damage. We could tell you endless stories about not having enough pictures to prove the cause of the loss or the amount of the damage!
Next, you should, with camera in hand, Inventory the damage to the build and the contents. As a rule, your insurance company will not pay for anything over $100.00 if you do not have a picture.
Many people will produce a list of like items saying "5 pairs of men's dress shoes," or "5 sweaters." The story is much more detailed. Those shoes or sweaters were bought at different times and had a different value. If you let them be bundled together, you are giving away thousands in your coverage.
In one example, a property owner had turned in $25,000 in Insurance Content Coverge Items. When Global Patriot Adjusters, LLC took on this claim, we were able to break out all the items bundled together, and properly value each. The claim resulted in $56,000 in content coverage submitted and awarded by the carrier. Details always matter, and we know how to bring these details to the attention of the Insurance Carrier.
Absolutely do not throw anything away before you can show these items to your insurance carrier adjuster and to your Public Adjuster.
As your Public Adjuster, we can simplify this process. As your Public Adjuster - we will bring you an award that is much higher, and much less hassle.
This process can be cumbersome for the average owner even with the best intention. Marc Lancaric - Public Adjuster TERMINATES may problems felt by cthose needing to file a claim and often says, "The Insurance Carrier Hires a Professional Adjuster to work your claim, You should have the same - As your Public Adjuster Global Patriot Adjuster will TERMINATE the troubles these claims cause owners who experience an insurance loss."