Talking With Insurance Companies

When your property is damaged in a storm or accident, you may want to file an insurance claim to recover money for it. However, you also want to ensure you receive the full value of your damages. You do not want the insurer to shortchange you out of the money you need to make repairs or replacements to your property.

The insurer may not take your word for it when you file a claim. You can back up your claim and get the money for which you file by retaining the services of an experienced insurance damages expert.

Determining the Full Value

When you hire an insurance damages expert for your claim, you can find out for sure the full value of your losses. You may think storm damage to your car, for example, is only worth a few hundred dollars. However, the insurance damages expert may actually determine the value to be worth several thousand dollars and far more than what you estimated it to be.

Using the information that the insurance damages expert provides to you, you can then file a claim with your insurer. You can request the amount of money the insurance damages expert says the damages are worth.

Disputing Adjusters' Claims

An insurance damages expert can also dispute the claims insurance adjuster's estimate for your losses. The adjusters may have the responsibility of sparing the insurer as much money as possible. They may purposely undervalue the losses to save the insurance company from paying out large claims.

However, your insurance damages expert can refute the estimates of the adjusters and counter with a higher number. The insurance damages expert may be able to convince the adjusters to raise the amount and payout a higher value for your losses.

Filing Legitimate Claims

Finally, your insurer may not accept a claim that you file without the damages being appraised first. The insurance agent may need to know exactly what the damages are worth before he or she will consider a claim you make against your policy. 

Your insurance damages expert can provide legitimacy and validity to your claim. He or she may convince the agent to pay out the claim faster once he or she determines the full value of your losses.

An insurance damages adjuster can provide important services when you want to file a claim. He or she can determine what your damages are worth. He or she can also counter an adjuster's low appraisal and provide validity to your insurance claims.