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Property Damage Insurance Claims 101: Everything Homeowners Need to Know

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Turn to the professionals for a fair and accelerated insurance payout.

A public adjuster is an insurance professional licensed exclusively to represent you, the homeowner, during the insurance claim process to ensure a fair and just settlement.

It is an unfortunate reality, but “having” insurance and “using” your insurance are two different things. Remember, your insurance policy is dozens of pages for a reason; as it contains all the terms, conditions and requirements you must comply with to get your insurance settlement.

As public adjusters, we are experts at understanding how to read every detail of your insurance policy and prepare and present the claim to your insurance company  

Making a homeowner’s insurance claim is complicated and requires a number of different expertise and skillsets. This unfamiliar process becomes even more difficult if it’s your first time making a property damage insurance claim.

As one of the nation’s oldest and largest licensed public adjustment firms, we see firsthand the chaos, confusion and emotionality homeowners experience when they have to make an insurance claim after their home has been significantly damaged or destroyed due to a fire, water loss or other natural disaster.

To help homeowners have a better understanding of the insurance claim process we’ve written a helpful guide on how to successfully navigate your insurance policy and claim to get the maximum amount of money to rebuild your home, property, and life. Download the full eBook here: Navigating Your Homeowners Insurance Claim.

Here are some key highlights and insights we think are most helpful.

 What your homeowner’s insurance policy covers:

  • The Declarations Page in your homeowner’s insurance policy summarizes all of the coverages you purchased.
  • The Additional Coverages and Coverage Extensions provide coverage for claim-related expenses such as Debris Removal and Fire Department Service Charges

Some common claim mistakes and delays to avoid:

  • Failure to protect your property to prevent further damage.
  • Failure to submit a timely proof of loss.

If your house has been damaged, it’s crucial to mitigate damage right away:

  • Take the necessary steps to prevent additional damage. Soot that isn’t properly cleaned, for example, can get inside electrical appliances and machinery, causing malfunction.
     

Do you want to learn more about how Globe Midwest Adjusters International can help you? Check out the rest of our website or read more blogs like this here.

To download the full guide, click here: Navigating Your Homeowners Insurance Claim.