FAQs:
My insurance will go up if I open a claim?
Before we answer your question, here's the deal: your premium isn't directly tied to individual claims. Insurance premiums are typically based on group coverage, and insurers generally can't raise your rates solely because you've filed a claim.
Insurance rates are usually determined by market conditions and risk assessments, which consider factors like:
- Your location
- Policy type
- Claims history
What documents do I need to file a claim?
You'll typically need:
- Policy number
- Date of loss
- Description of damage
- Photos and videos of the damage
- Receipts for repairs or expenses
- Police report (if applicable)
We'll guide you through the process and help gather necessary documents
How long does it take to settle a claim?
The timeframe varies depending on the complexity of the claim and the insurance company's response time. We'll work diligently to ensure a prompt settlement.
Do I need a public adjuster?
A public adjuster like us can help ensure you receive a fair settlement, navigate the claims process, and handle negotiations with the insurance company.
What's the difference between a public adjuster and an insurance company adjuster?
A public adjuster represents you, the policyholder, while an insurance company adjuster represents the insurance company.
How much does a public adjuster cost?
Public adjusters typically work on a contingency fee basis, meaning we only get paid if we secure a settlement for you.
Will my insurance company try to lowball me?
Unfortunately, it's common for insurance companies to initially offer low settlements. We'll fight for your rights to ensure you receive a fair settlement.
Can I handle the claim myself?
While possible, navigating the complex claims process alone can be challenging. We'll handle the paperwork, negotiations, and advocacy for you.
What if I'm not happy with my insurance company's settlement offer?
We'll review the offer and negotiate on your behalf. If necessary, we can also assist with mediation or litigation.
What types of claims do you handle?
We handle various claims, including property damage, fire, water, wind, and hurricane damage.
Do I need to pay a deductible?
You may need to pay a deductible, but we'll help you understand your policy and negotiate with the insurance company.