Thursday, December 12, 2019

Post Insurance Claim Best Practices

The first thing you should do when disaster strikes is contact an AmeriClaims public adjuster in NC SC GA or FL. A public adjuster will be able to steer you in the right direction and make the most out of an otherwise unfavorable situation. Public adjusters understand every part of your insurance coverage and can help you get what you rightfully deserve. However, there are some things you can do to help expedite the process.

Notify Your Insurance Company

In order for the claims process to begin, you need to promptly notify your insurance company that your property has sustained damage. All insurance companies have 24-hour phone service so that you can call them anytime to report the damage. 

Secure the Property Damage

Do not mistake securing the damage with repairing the damage. If there is a hole in your roof, cover it up. If some of your windows break, board them up. It might take some time for the insurance adjuster to inspect the damage. It also helps to dry up any water as the damage will leave its mark. Remember that any damage that is incurred after you report the claim is on you. However, you do not need to clean up the damage because you want the insurance company to get a clear view of it.Your trusted North Carolina public adjuster can guide through the details.

Document the Damage

Go through and document every shred of damage and be sure to leave nothing out. List every item that was damaged, how old it was, its current cash value, and any other information that comes to mind. The more detailed your list, the better it will be. You can even list what it would cost to replace each item. Taking photos and videos are also highly recommended. And if an item has been lost in the disaster, still make a record of it. 

Find a Temporary Residence

In instances where storms and natural disasters severely damage your home, it’s important to find another place to stay. Most insurance policies cover living expenses in a place that is comparable to your residence. That means if you live in a three-bedroom house, you can rent another three-bedroom house and even rent furnishings while you are there.

When disaster strikes and leaves its mark on your home or business, contact AmeriClaims Inc Public Adjusters right away and let one of our public adjusters start working for you. Our team of adjusters will level the playing field when dealing with insurance companies who are looking to pay you less than you deserve. 

Tuesday, November 19, 2019

What You Should Expect When You Suffer a Claim

The aftermath of any disaster is never a pleasant time. And when your home or business is damaged, it can really take a toll. People often find themselves very down after experiencing such a loss. That could some people vulnerable to insurance companies who are looking to pay out as little as possible, says AmeriClaims Public Adjusters.

AmeriClaims Public Adjusters, North Carolina Insurance Claims for Storm Damage, property damage insurance claims, public adjusters
Some people believe that insurance companies are supposed to swoop in and compensate your losses. That is not the case at all. Don’t expect them to be willing to just throw money at you. It is not their business to lose money, so they will respond by trying to pay out as little as possible.

That means they could try and scrutinize everything about your claim. Don’t take it personally. That is their business and it is the same for the majority of people who file insurance claims. Just realize that your insurance company is not always your friend. And when you file a claim for property damage, they often become your enemy.

There are certain steps you should take right after your home or business sustains damage. That is simply the beginning of what can be a long fight between you and your insurance company.

fire damaged, fire damaged property
 Hiring a Florida, North Carolina, or South Carolina public adjuster will provide you with help in that fight. It is the business of a public adjuster to know the ins and outs of all the games that insurance companies will attempt to play. And all that is done in an attempt to pay you as little as possible. Here are some helpful hints you can do to help in that fight:

•    Make records of all communication with insurance company
•    Gather receipts of all damaged items
•    Follow the advice of your South Carolina, North Carolina, or Florida public adjuster
•    Save all receipts of expenses incurred while waiting for repairs
•    Pay for all contract work with credit card or check

You should also be prepared for a lengthy battle, one which might force you to live elsewhere for a while. It may be an inconvenience, but remember that it is only temporary. Also, keep in mind that doing all the right things through this process could allow you to return to an even nicer home or business when a settlement is reached.

AmeriClaims will stand by you through the claims process and advise you on how to handle each step. It pays to have a professional in your corner and AmeriClaims Public Adjusters are ready to take on insurance companies and start fighting for you.

Monday, October 14, 2019

What You Should Do After a Business Suffers a Disaster

Businesses need to take all sorts of protective measures just in case something goes wrong. Disasters can occur at any moment and knowing what to do when that occurs is an essential part of the rebuilding process. Any type of business property loss can be overwhelming to deal with, that is why having some knowledge of what can be expect beforehand is highly recommended by public adjusters. Here is a look at what to do after a business sustains damage because of a disaster.

stores severely damaged by fire

Let the Damage Speak For Itself

Leave the damage as it is and take the necessary measures to prevent any further damage. That requires all of the damaged items to remain in place and also includes not cleaning up the mess. An insurance company will send someone out to inspect the damage and it needs to be as it was just after disaster struck.

Provide Notice of Claim

Your insurance company will need to be notified that your business has sustained damage.
There are several ways to do this. First, you can contact your insurance agent directly via telephone. Even if the disaster occurred at night, insurance companies have off-hour numbers used for reporting claims. There is also the option of filing a claim online.

Prepare the Claim

Getting paid for a claim does not happen overnight as there is a process involved. It is not as though your insurance company will send someone out, inspect the damages, cut you a check and be on their way. It is up to business owners to put together an inventory of items that were damaged or destroyed. There is generally a 60-day window to file a claim. That gives business owners an ample amount of time to go through all of the damage and provide estimates for repairs. Those estimates are expected to be very specific. The more detailed, the better. A business owner may also seek out a public adjuster to assist with the claims process.

Be Prepared To Wait

Larger claims have a tendency to take longer to pay out. This could include months of putting together documentation of damages and collecting the necessary information that insurance companies will request. There is also a fair amount of negotiating that goes into settling a claim, which means business owners do not always have to settle for their first offer. This insurance claim negotiations process can involve a lot of back and forth before all is said and done.

If you are looking to get the most out of your insurance claim, the professionals at AmeriClaims Inc. can make sure you have a public adjuster working for you. AmeriClaims has helped property owners from Florida to North Carolina gain fair compensation for their losses from insurance companies and can do the same for you. When it comes time to hire a North Carolina public adjuster, take advantage of the experience provided by AmeriClaims, who will not let insurance companies take advantage of you.

Tuesday, September 10, 2019

What to Do After a Disaster Hits Your Home

Disaster can strike at any time and no home is immune to fire, vandalism, storms, or other acts of destruction and nature. When your home sustains damage, there are several steps that will get you compensation for property loss. It is important to follow these steps in order to be compensated fully by your insurance provider.

Mitigate Damage

Within your insurance policy, it clearly states that you have the right to protect your property from incurring any more damage. That does not mean you need to take excessive measures. However, according to an AmeriClaims public adjuster, it is important to take steps to protect your home that are within reason. The following measures should be taken in the event of a disaster.

•    Board up broken windows
•    Cover holes in roof with a tarp
•    Remove excess water from home
•    Move valuable items out of harm’s way

Do Not Disturb

Following a disaster, there is usually an instinct to clean things up. Avoid that instinct. An insurance company will want to come over to your home and inspect the damage. The only way that can be done accurately is to leave the damage as it is. Also, do not move things around unless they pose a danger or threat. This includes throwing any items in the trash.

Remember that after a disaster, everything in your home is evidence. The way to get paid for your damages is to provide actual evidence. Anything that is thrown away is like lost evidence that might have otherwise proven your claim to be true. Being short on evidence makes any claim a very weak one, with little chance of getting any reimbursement toward your property loss recovery.

Hire Wisely

After a disaster, contractors have a tendency to show up at people’s doorstep unannounced. Some may have good intentions, although soliciting door to door does not scream credibility. The first contractor who contacts you may not necessarily be the best match. It is important to first sort through the details of your claim. Once that is done, it is a good idea to interview more than one candidate. You will want to check references, and their better business bureau rating.  You do not need to hire a contractor right away. 

When disaster strikes your home, AmeriClaims will send out a professional public adjuster who will make sure you get every cent you deserve. For the top public adjuster North Carolina, South Carolina, Georgia, and Florida have to offer, contact AmeriClaims today.

Friday, August 23, 2019

Avoid Reporting Small Claims and Raise Your Deductible to Prepare For the Big One

Home insurance policies are designed to cover costs that would normally cause a severe dent in people’s bank accounts. But when it comes to reporting smaller claims, there are some important things to remember says North Carolina public adjuster Bob Freitag.

Minor damage to a home during a thunderstorm or other act of nature often compels people to call on their insurance company to help pay the cost of repair. A common deductible on home insurance policies is $500. Before filing a claim, consider just how much the cost of repair will be.

If it is a mere $50 to $100 over the deductible, then it is not always worth filing the claim. It will return you that extra $50 or $100, but it could also have an effect on your policy moving forward. Remember that the more claims you file, the more it may affect your insurance policy.

Continual claims could cause your insurance company to negate your renewal. Quite often, insurance companies consider a series of small claims a precursor to a bigger one that is all but inevitable. However, negating a renewal is not the only move insurance companies will make.

Your insurance company has many experts working for them and now it’s time to have someone working for you. You should have an advocate working for you. Call us today at 866-310-0195 for a free claim consultation and experience the best public adjuster NC has available.

In the wake of a small claim, insurance companies can add a surcharge to a home insurance policy. That means an increase in your premium. So while it may seem favorable to file a claim that would get you $50 to $100 over your deductible, the increase in premium will actually cost more than that in the long run.

A home or auto insurance policy that costs $600 per year might then be raised by 20% over the next three years. That is an additional $360 over three years, which far exceeds that $50 or $100 that was saved by filing that small claim.

Another way to save money is to raise your deductible. You will have to pay less on your premium and you will still be covered for that big disaster in which insurance is definitely needed.

One thing to remember is that insurance companies do not consider homeowner’s policies as a type of maintenance. It is viewed as a policy that attends to damage on a much greater scale. And if and when that happens, homeowners should be prepared for that big one with an insurance policy that has not been compromised by a bunch of smaller claims.

Policyholders in the Southeastern U.S. are not alone when it comes to disaster recovery. They have AmeriClaims Public Adjusters to turn to for expert knowledge and experience. AmeriClaims has everything you need to help with the homeowners insurance claims process and get the cash settlements you desire. Take the first step by contacting one of our Georgia, Florida, North Carolina, or South Carolina public adjusters today for a free claims consultation.

Tuesday, July 16, 2019

Important Things to Know About Insuring a Rental Property

Buying a home and making it your primary residence comes with the task of purchasing homeowners insurance. However, public adjusters can tell you insurance is a bit different when a home is used as a rental property. Here are some important things to know about insuring a rental property.

Liability Protection

Since people will be coming and going in and out of a rental property, it pays to have liability insurance. If someone gets injured on the property, this will protect the owner. This applies to renters and even contractors who may occasionally do some maintenance. Slip and falls are common, but liability insurance will also provide protection in case of a fire. It also does not pay to be cheap when purchasing liability insurance for your rental property. Think of it as an investment that serves to protect your investment. Liability insurance is not very expensive, which makes it wise to load up.

Dwelling Insurance

It is common to assume a homeowner’s policy is needed when you own a rental property, but there are differences within the specifics of that policy, according to AmeriClaims. For example, a homeowner’s policy protects possessions within the home. Owning a rental property does not always mean owners have to use a policy to protect their valuable possessions. However, the building itself still needs insurance. This is where purchasing dwelling insurance comes into play. This type of insurance will cover the actual building in the event of any damage.

Vacancy Coverage

Not every rental property is always going to be rented. There are some spans of time when those properties are vacant. That provides the chance of vandals going in and causing damage to the place. Insurance companies will attempt to deny claims that are filed without vacancy coverage. One way to ensure that does not happen is to prepare for any unexpected damage while no one is occupying the rental property.

Rental Loss Coverage

If vandalism or an act of nature forces tenants to move out, the right rental loss insurance coverage will see to it that you still receive the equivalent of rental income. This is one more way to get as much money as possible from your insurance company should an unavoidable occurrence force your tenants to move out.

AmeriClaims is ready to stand by your side when you file a claim as we maintain our status as the top public adjuster Georgia and North Carolina has to offer. We are also considered to be an experienced, top-quality public adjuster throughout Florida, Georgia, and South Carolina who can help with every detail of your claim.

Tuesday, June 11, 2019

You Don’t Have to Accept Cleaning as an Alternative to Replacement on Your Claim

Several types of damage to your property require different types of solutions. However, insurance companies are going to attempt to fix your property by spending as little as possible. That does not mean you always have to settle for what they initially attempt to offer you, especially with an expert public adjuster on your side.

Water damage and smoke damage can affect property in all sorts of ways. In some instances, it may appear that a thorough cleaning will return your property back to the way it used to be. But this is different from actual replacement. Even professional water/fire clean up services cannot undo all damage. And when an insurance company is required to replace your property, you don’t have to settle for just a cleaning.

In instances of smoke damage, an insurance company may claim that cleaning will restore household items like drapes, carpet and furniture. However, there is no way to guarantee this will restore all of your property, even though insurance companies will try to convince you otherwise.

Water damage falls along the same lines. In many cases, insurance companies will offer a cleaning service in an effort to cut on costs. But that does not always account for any underlying damage caused by excess water. That damage might pose problems in the long term.We have public adjusters in NC, SC, FL and GA standing by to assist you through your claim.

The bottom line is that when you have a replacement policy, you have the option whether to repair or replace your property. Replacement claims spell out the fact that replacement is what is required, yet insurance companies will usually try to talk clients into a cleaning instead. Another tactic they will use is actually providing you with a cleaning service they recommend.

Be wary of these ploys as they are ones a public adjuster can detect right away. There are several ways insurance companies attempt to manipulate their clients and pushing cleaning over replacement is just one common example.

Replacement cost policies are intended to reimburse the full cost of your property. You are entitled to receive a new item as if you walked into a store and bought it yourself. That can be costly for insurance companies, which makes sense why they would try to push cleaning services as an alternative. Remember that even if the claim is disputed, you do not have to settle for a mere cleaning.

At AmeriClaims, we know what you are going through. Headquartered in Charlotte, NC we also help clients in Florida, Georgia, and South Carolina get fair payout on their claims. AmeriClaims can provide you with a trusted North Carolina public adjuster that won’t let you settle for less than you deserve. You can avoid insurance company tactics by enlisting the services of AmeriClaims, the top public adjuster NC, SC, GA and FL offers its residents.