What To Do After a Loss

What Should You Do After A Loss?

  • Board up open windows and doors at the property loss.
    Choose a contractor to board up your property; however make sure you are just giving this contractor authorization to Board Up ONLY.
  • Secure the property immediately.
    Unfortunately, property that appears to be vacant might result in theft. Make sure the premises are secure.
  • Notify your Insurance Company to record your claim number.
    Document all calls made to your Insurance Company. Do not make the assumption that “They will look out for your best interests.”
  • Ask the Fire Department about Red Cross.
    Accept all assistance offered by Red Cross.
  • Prepare to locate a shelter or temporary housing for yourself and family.
    Make hotel arrangements or call a family member or friend. A Public Adjuster can assist you with temporary housing arrangements as well.
  • Consider clothing and personal items to fill your immediate needs.
    If you have to purchase personal items for your immediate needs, be sure to save all your receipts.
  • Contact a licensed Public Adjuster to assist you with your claim.
    A professional should review your policy before your claim is presented to your Insurance Co. Your claim has to be verified.

What Not To Do?

  • Don’t let your insurance company determine your settlement.
    Insurance company adjusters represent insurance companies. They are employed to protect the interest of the insurance company. That is how they earn their income. You would not represent yourself in a high stakes courtroom, so why would you do so now? We all know that it is necessary to attain legal assistance when filing a claim with your insurance company if you have been involved in an accident. Well, it is just as important to seek the assistance of a Public Adjuster for your property claim.
  • Don’t lose time waiting for your insurance company to work on your behalf.
    Did you know that insurance companies gain a head start in minimizing your claim by immediately forming their own team of experts? Practice your rights and hire your own Public Adjuster to represent your best interest by maximizing the settlement that you are legally entitled to. Don’t hesitate to make the right decision and don't allow time to pass. Hiring a Public Adjuster from the very beginning will ensure a speedy and favorable settlement for you.
  • Don’t rely on your insurance company to inform you of all your benefits.
    Do you know that you have the benefit of hiring your own Public Adjuster to legally prepare and present your claim to the insurance company? Do you know that a Public Adjuster solely works on your behalf? Do you know that by hiring a Public Adjuster you could form your own team of experts? A Public Adjuster, with your authorization, will hire a general contractor, and a fire restoration company that will work for your best interest. It is important to form a team that is solely working on your behalf. It is a benefit that you are entitled to and your insurance company covers it all. Remember, the insurance company exclusively employs your insurance adjuster and he/she must try to strike a balance between your interest and the interest of the insurance company. You must also keep in mind that if you allow your insurance company to hire the general contractor and fire restoration company, they are likely to look out for the best interest of the insurance company as well. It is a conflict of interest to serve two masters. So why not take advantage of the benefits that you're entitled to and hire your own team of experts?
  • Don’t refuse the help that you are entitled to.
    The preparation of an insurance claim can be difficult if you are not familiar with depreciation, actual cash value, replacement costs, complicated calculations, and the claim negotiations process. Not to mention that your insurance company will require that you prepare and validate your claim. This is why it is important to hire a Public Adjuster who is licensed to legally substantiate your claim; which will provide you with the most money possible. What is the primary reason that a Public Adjuster can ensure the most money for you? Because a Public Adjuster eliminates the conflict that will occur if your insurance adjuster represents both you and your insurance company.
Please Note: Each loss will vary. The common guidelines are not a substitution for insurance, financial, and legal assistance. Please contact Allied Adjusting Services for further information.
Website Builder