Understanding Policy Exclusions is Your Best New Year’s Resolution

As the year winds down and we start thinking about everything we want to change or improve in the new year—like exercising more, mastering new skills, or decluttering our homes—why not add one more goal to your list? How about gaining a solid understanding of your insurance policy and learning what’s covered? Believe it or not, policy exclusions can be a significant blind spot, and they can leave you in the lurch when the unexpected happens.

So, What Are Policy Exclusions?

Policy exclusions are specific conditions or situations that your insurance policy does not cover. Think of them as the “not-so-fun” fine print in a contract. Policy exclusions specifically outline what is and is not covered and help define the policy’s scope of protection. Understanding these exclusions may help you avoid nasty surprises and, ultimately, can help you make better decisions regarding additional coverage or preventive measures.

Why Do Policy Exclusions Exist?

Why are exclusions even a thing? Can’t insurance carriers cover everything? Great questions! Here’s why insurers include exclusions in their policies:

- - Risk Management: Exclusions help insurers avoid covering highly likely events or risks that could result in massive losses (and higher premiums). It’s all about managing the risk pool.
  - Premium Control: Insurers keep your premiums more affordable by excluding certain events. After all, who wants to pay sky-high rates for coverage they’ll never need?
  - Clarity and Transparency: Exclusions help define what is and isn’t covered, hopefully reducing confusion and potential disputes.
  - Encouraging Risk Mitigation: Some exclusions, like those for neglect or maintenance issues, are designed to encourage policyholders to take proactive steps to prevent damage.

The Most Common Exclusions You Should Know About

As you reflect on your insurance needs heading into the new year, it’s crucial to be aware of the most common exclusions in insurance policies. In regions prone to storms, one would expect insurance policies to be tailored to the risks property owners may face. Unfortunately, it’s become more and more common for exclusions to be added to policies from one term to the next. Ashley Workman, Sr Paralegal and Licensed Public Adjuster, has found an increasing number of exclusions in Florida policies.

Here are a few exclusions that can catch you off guard:

1. Natural Disasters

Events like floods, earthquakes, and hurricanes are often excluded from standard homeowners’ insurance policies. If you live in an area prone to these, make sure to purchase additional coverage or a separate policy.

2. Wear and Tear

Damage caused by the gradual deterioration of property over time—like an aging roof or plumbing issues—often isn’t covered. Insurers exclude this to avoid covering damage that regular maintenance could have prevented.

3. Negligence

If you fail to maintain your property or take reasonable precautions to prevent damage (for example, ignoring a known leak), you might find your claim denied. Preventative care can save you from the headaches of negligence exclusions.

4. Acts of War or Terrorism

Most policies exclude damage from war or terrorism. Special coverage may be required if you’re concerned about these risks.

5. Intentional Acts

Insurance doesn’t cover damage caused intentionally by you or someone acting on your behalf. It’s all about preventing fraud.

6. Government Action

Government actions, such as property seizures or destruction for development.

How to Tackle Policy Exclusions

So, how can you ensure that you’re properly covered despite these exclusions? Here are a few proactive steps you can take as you head into the new year:

- - Review Your Policy: Now is the perfect time to sit down with your insurance policy and thoroughly review it. If anything is unclear or if you don’t understand an exclusion, reach out to your insurance agent for clarification.
  - Assess Your Risks: Reflect on what could happen to you in the coming year and check if those risks are covered. This way, you’ll know whether you need to purchase additional coverage, like flood insurance or earthquake coverage.
  - Maintain Your Property: Keeping up with regular maintenance and timely repairs can help prevent damage that may be excluded due to negligence. A proactive approach can save you from a headache down the road.
  - Stay Informed: Insurance policies can evolve from one policy period to the next, so it’s important you keep an eye on updates and potential changes to your policy and coverage.

A New Year’s Resolution You Can’t Afford to Miss

As we wrap up the year and start thinking about our resolutions for the new year, let’s make one of those goals to understand your insurance policy. It’s a small effort that can make a huge difference in managing your risks and ensuring your protection. Take the time now to review your exclusions, ask questions, and make sure your coverage is up to snuff for 2025.

policy exclusions

Policy exclusions may seem like a boring detail in the grand scheme of things, but they can have a huge impact when things go wrong. By understanding these exclusions and proactively addressing them, you can confirm that your insurance coverage actually has your back. So, make it a point this year to tackle your policy exclusions head-on. The new year is the perfect time for a fresh start—why not start with your insurance?

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What Happens When Your Insurance Carrier Doesn’t Agree to the Damage?

We’ve all heard of the “best-case scenario” when it comes to filing an insurance claim—your insurance carrier acknowledges the damage on the spot, and the claims process moves toward resolution smoothly. But what happens when the situation isn’t quite as straightforward? What if the insurance adjuster doesn’t immediately agree the damage is legitimate or fails to recognize the full extent of it?

Unfortunately, this is a common occurrence, and it can quickly turn what should be a simple process into a more complicated ordeal. With the right support, you don’t have to navigate these challenges alone.

The Impact of a Disagreement with Your Insurance Adjuster

If your insurance carrier doesn’t agree to the damage to your property or doesn’t fully acknowledge the scope of the issue, you may face delays or partial denials. This could result in additional inspections, more paperwork, and potential back-and-forth communication— extending the claims process longer than expected.

This situation can be incredibly stressful, as it may feel like you’re being asked to prove something that should already be obvious. And if you’re unfamiliar with the intricacies of insurance claims, it can be hard to know how to respond effectively.

Why You Need Premier Claims in Your Corner

In situations like these, working with a public adjuster can make all the difference. A public adjuster from Premier Claims is experienced in handling claims where the insurance carrier is pushing back or failing to recognize the full scope of the damage.

We specialize in making sure your claim is well documented and backed by necessary and sometimes expert assessments. If the insurance adjuster is missing critical details or undervaluing the damage, we’ll be there to identify what’s been overlooked and fight for everything to be accounted for. We can attend your carrier’s inspection alongside the adjuster, acting as your advocate and trying to ensure no damage goes unrecognized.

With Premier Claims on your side, you don’t have to go through this process alone. We handle as many of the details as we can—from documentation and inspections to negotiations with your insurance carrier—so you can focus on getting your property repaired and your life back to normal.

At Premier Claims, we work hard to represent the client’s best interests throughout the entire claims process. If your insurance carrier doesn’t agree to the damage, we’re here to advocate for you. We’ll try to confirm all damage is properly evaluated, the insurance policy is fully understood, and the claim is handled as effectively as possible—without added stress or confusion.

You don’t need to navigate this complex process on your own. When you work with Premier Claims, you get a team in your corner, helping to secure the best possible outcome for the claim.

Why Is My Insurance Claim Getting Passed Around Like the Latest Gossip?

If you’ve ever filed an insurance claim, you know the process can be as fun as watching paint dry. But just when you think things are moving along—you’re made aware your claim has been reassigned to a new adjuster. Cue the frustration! Why does this keep happening, and what does it mean for your payout?

The truth is, claim reassignments aren’t always innocent. Sure, sometimes they’re necessary, but other times, it’s part of a strategy that doesn’t exactly work in your favor. So, let’s unpack why insurance carriers shuffle adjusters like a deck of cards—and what you can do to make sure you’re not left holding the short end of the stick.

Why Do Carriers Reassign Claims?

There are several reasons why your claim might be reassigned, and not all of them are as harmless as they seem.

1. Turnover

For starters, turnover in the insurance world is typical. The Insurance Business Magazine reported, “In the past 10 years, most insurance companies operated with roughly an 8-9% staff turnover rate – including voluntary and involuntary exits – whereas now, it’s more typical for companies to operate in the 12-15% range, with voluntary turnover spiking at more significant levels.” Adjusters often leave their companies, get transferred, or quit the industry altogether. When this happens, your claim gets passed to the next person in line—sometimes without so much as a proper handoff.

2. Specific Expertise

Another common reason? Your adjuster may have insufficient knowledge or skills to properly adjust your claim. Let’s say your claim involves a large commercial property or damage that requires specific expertise. Carriers may reassign the claim to someone they believe has the right skills.

3. Fresh Set of Eyes

And then there’s the “fresh set of eyes” excuse. While this might sound logical, it’s often just a polite way of saying, “We’re looking for a reason to underpay or deny your claim.” By bringing in a new adjuster, carriers can essentially hit the reset button, which gives them an opportunity to reinterpret your policy—sometimes in their favor.

4. Delay Tactic

Lastly, let’s not ignore the possibility of delay tactics. Every reassignment takes time, and the longer the process drags on, the more likely you are to get frustrated and settle your claim and accept their lowball offer.

What Does This Mean for You?

When a claim gets reassigned, it’s not just inconvenient—it can have serious consequences for your payout. Each new adjuster might interpret your claim differently, and without consistent communication, key details can get lost in the shuffle. This not only slows down the process but also increases the chances of mistakes, underpayments, or even outright denials.

Delays also mean you’re stuck waiting to repair your property, which can lead to bigger problems down the road. For example, minor roof damage can quickly escalate into water leaks or structural issues if left unaddressed.

How to Stay Ahead of the Chaos

Ryan Curl, Jr Desk Adjuster and Licensed Public Adjuster, explains carrier reassignments do “slow down the claims process as the new adjuster will have to review everything that has happened up to that point in the claim and get caught up to speed. A lot of the time, we will have to redo progress made with the previous adjuster and build that rapport again.”

So, what can you do to protect yourself when your claim keeps changing hands? Start by keeping a detailed paper trail. Every email, phone call, and document related to your claim should be saved and organized. This way, if something gets lost during an untimely reassignment, you have the proof to back yourself up.

Don’t be afraid to push back, either. If you notice unnecessary delays or vague explanations for the reassignment, ask questions. Why is this happening? Who’s responsible now? Transparency is your right as a policyholder.

Finally, consider bringing in reinforcements. A public adjuster (like the pros at Premier Claims) can help you navigate the chaos. Public adjusters work for you, not the insurance company, which means they’re 100% focused on getting you a favorable settlement.

Let’s Get Your Claim Back on Track

At the end of the day, claim reassignments can feel like a bad episode of The Office: full of unnecessary drama, confusing handoffs, and missed deadlines. But you don’t have to deal with it alone. At Premier Claims, we aim to cut through the red tape and fight for what’s fair.

If your claim has been reassigned—or you’re just tired of dealing with the runaround—let’s talk. We’ll take the stress off your plate and get you back to what matters most.

Reach out today to get the help you deserve!

Start 2025 Off on the Right

The new year is here, and it’s time to leave the past behind, right? That means no more dragging around last year’s baggage—whether it’s the pile of holiday leftovers or, in your case, any lingering property damage you might’ve overlooked. Trust us, there’s no better way to start fresh than by scheduling your property inspection before the new year begins.

Why Schedule a Property Inspection Before 2025?

Let’s face it, life’s busy, and it’s easy to postpone minor repairs—especially when the holiday hustle takes over. But here’s the thing: last year’s storm damage could cost you big time if you don’t act quickly. Damage from hail, wind, or general wear and tear doesn’t just sit idle; it gets worse with time, especially when seasonal threats come into play. Freezing temperatures can expand small cracks, ice can worsen leaks, and heavy snow adds stress to already compromised structures.

By scheduling a property inspection before the year ends, you’re not just addressing existing damage—you’re protecting your home or business from the added risks winter brings. A professional inspector can catch issues that might have slipped through the cracks, giving you the chance to fix them before snow and ice turn minor problems into major headaches. Take action now to avoid scrambling in the new year when the damage (and the repair costs) could be far worse.

Spot Damage Early and Save Money

Did you know that small roof leaks can quickly turn into major headaches? Today’s minor crack in your shingles could mean mold, water damage, or structural issues tomorrow. Often, the sooner you discover damage, the less you’ll have to pay for repairs. Plus, if you file your insurance claim in 2024, you may have more options and fewer headaches than if you wait until 2025, when claims pile up.

The Benefits of a Property Inspection Before the New Year

- - Prevention is Key: Early detection of damage prevents more significant issues later.
  - Time to Act: Get ahead of insurance deadlines to avoid the mad rush of the new year.
  - Better Planning: Knowing the status of your property helps you plan for the years ahead—whether it’s setting aside funds for repairs or getting a jump on contractors.

Don’t Let Last Year’s Damage Hang Around

So why wait? As tempting as it is to “forget” about that missing shingle or roof leaf, leaving those issues unresolved is just bringing last year’s baggage into 2025. Schedule your property inspection today and confidently step into the new year knowing your property is safe and secure.

Ready to start? Contact us to schedule your inspection and prepare 2025 for a fresh start—not old headaches!

What Your Insurance Carrier Should Have Done by Now

It’s been nearly three months since Hurricane Helene and Milton left paths of destruction across the Southeast. For those impacted, the recovery process has been long and challenging. If you’ve filed an insurance claim, you might wonder what’s taking so long—or if your insurance carrier has met their obligations.

Insurance Carrier Responsibilities Post-Hurricane

Insurance carriers have legal and ethical obligations to handle claims promptly and fairly. Here’s what they should have completed within 90 days:

- - Initial Acknowledgement: Insurers shall, “within 14 calendar days, review and acknowledge receipt of such communication unless payment is made within that period of time or unless the failure to acknowledge is caused by factors beyond the control of the insurer, which reasonably prevent such acknowledgment,” Florida Senate 627.70131.1a.
  - Inspection and Investigation: The Florida Senate 627.70131.3a states that “unless otherwise provided by the policy of insurance or by law, within 14 days after an insurer receives proof of loss statements, the insurer shall begin such investigation as is reasonably necessary unless the failure to begin such investigation is caused by factors beyond the control of the insurer which reasonably prevent the commencement of such investigation.”
  - Claims Decision: Under Florida law, “Within 90 days after an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder, the insurer shall pay or deny such claim or a portion of the claim unless the failure to pay is caused by factors beyond the control of the insurer which reasonably prevent such payment,” Florida Senate 627.70131.7a. If payment is delayed beyond 90 days or 15 days after any uncontrollable delays are resolved, insurers are required to pay interest on the claim. This interest starts accruing from the date the insurer first receives notice of the claim and continues until payment is issued. These legal requirements cannot be waived or voided by policy terms, and noncompliance constitutes a violation of Florida’s insurance code, though it does not independently allow for a private lawsuit.

Unfortunately, thousands of policyholders are still waiting.

Reported by Newsweek.

Hurricane Helene

The numbers don’t lie—Hurricane Helene left a staggering financial footprint. FEMA has estimated National Flood Insurance losses to fall between $3.5 and $7 billion as of November 12, 2024. In Florida alone, the Insurance Journal reports that over 65,700 claims have already been filed, with 33,130 for residential properties.

These figures don’t just represent damaged buildings—they’re a testament to the emotional and financial toll on homeowners grappling with recovery. Thousands of families await relief as insurers sift through a mountain of claims. For policyholders, these delays are more than just frustrating—they can be life-altering.

Hurricane Milton

The devastation of Hurricane Milton extends far beyond the physical wreckage, reflected in the staggering number of insurance claims filed. JT Law Firm reports more than 230,000 claims—spanning commercial and residential properties—have been submitted. The real shock lies in the unresolved cases. 112,826 residential claims are still open and unpaid, while an additional 53,372 have been closed without a single dollar disbursed.

These aren’t just numbers—they’re stories of homeowners left in limbo, forced to navigate the financial and emotional turmoil of rebuilding with little to no support. The hurricane didn’t just tear through neighborhoods—it exposed cracks in the system meant to protect policyholders in their time of need.

Steps to Take If You’re Still Waiting

If your hurricane claim hasn’t been resolved, here are actionable steps you can take:

Request a Timeline: Ask your carrier for a formal schedule outlining the next steps in your claim process.
Documentation Communication: Keep records of every interaction, including emails, phone calls, and written notices.
Seek External Support: Consider hiring a public adjuster to accurately value your claim, advocate for your best interests, and manage the insurance claims process.

How Premier Claims Can Help Your Hurricane Claim

At Premier Claims, we focus on turning delayed or denied claims into successful settlements. Our team extensively handles hurricane-related claims, fighting for policyholders to receive the payouts they’re entitled to.

How Long Does a Hurricane Claim Take to Settle?

If you’re curious about the insurance claim process after a major storm, look at our in-depth case study. Follow the ongoing journey of a complex claim in Homerville, Georgia, where Hurricane Helene caused significant damage to a chicken farm. This timeline highlights the steps taken so far—from initial inspections to the progress made in securing payments—offering a behind-the-scenes look at how Premier Claims tirelessly advocates for policyholders through every stage of the insurance process.

Don’t Walk—Take Action Today

If you’re frustrated by delays or low offers, now is the time to act. Contact Premier Claims for a free policy review and start your journey toward a fair settlement. For more details on claims data and recovery timelines, visit the Florida Department of Financial Services and the National Flood Insurance Program.

Your recovery is our priority. Let’s rebuild together.

The first snowfall of the season is magical—until you realize what’s hidden beneath that blanket of white. From roof stress to potential water damage, the aftermath of snowstorms can put your property at risk. As Nebraska property owners, acting fast after the snow clears is essential to prevent costly damage.

Your ultimate post-snow checklist is here! While we designed this for our fellow Nebraskans, the same rules apply to any state with a snowy winter.

Disclaimer:

Please be advised that any tasks or “action steps” mentioned here should only be undertaken if they can be performed safely. Always prioritize your well-being and follow all relevant safety guidelines. If you’re unsure about how to proceed or if the task requires specialized expertise, we recommend seeking professional assistance. This article is not intended as legal, medical, or other professional advice and should not be relied upon as such.

1. Prepare Your Roof for Winter: Prevent Snow Damage Before It Starts

Your roof bears the brunt of every storm, so it’s the first place to inspect after snow hits. In Nebraska, heavy snow, ice dams, and trapped moisture can cause severe long-term damage if not addressed. Taking care of your roof at the start of winter can prevent headaches come spring.

Action Steps:

- - Look for sagging areas or visible signs of strain from heavy snow loads.
  - Inspect for ice dams—thick ridges of ice at the roof’s edge that block snow from draining properly.
  - Use a roof rake to safely remove excess snow, or call a professional if the snow is too heavy or hard to access.

Pro Tip

Ice dams often signal poor attic insulation. If your attic insulation isn’t up to par, it could lead to future roof damage. Upgrading your insulation now may save you thousands later. If you haven’t already, we recommend inspecting your property to ensure it’s winter-ready!

2. How to Prevent Ice Dams

Snow that melts during the day and refreezes overnight can wreak havoc on our gutters. Blockages may lead to water backing up into your home or pooling around your foundation.

Action Steps:

- - Inspect your gutters and downspouts regularly to ensure they’re free and clear of debris and ice buildup.
  - Check to see if your downspouts are still directing appropriately. They should direct water 5-10 feet from your property to prevent foundation issues.
  - Install de-icing cables if ice buildup is a recurring problem your property faces.

To learn more about how to prevent ice dams, read our full blog: Protect Your Property from Ice Dams

3. Snow Damage Check

A walk around your property can reveal issues that aren’t always visible inside your property. Snowdrifts + Fallen Branches + Pooling Water = Spells Disaster

Action Steps:

- - Check for fallen tree branches or debris that could damage your roof, siding, or windows.
  - Look for snow piling up against exterior walls or your foundation, which can cause water damage during thaw periods.
  - Your vents and exhaust outlets should be clear of snow to prevent blockages or dangerous gas buildup.

4. Avoid Slip-and-Fall Accidents: Ice-Proof Your Walkways

Slip-and-fall accidents aren’t just dangerous—they can leave you liable if someone else gets hurt on your property. Melting snow that refreezes can quickly turn walkways into ice rinks.

Action Steps:

- - Shovel snow promptly after the storm ends, focusing on high-traffic areas.
  - Spread salt or pet-safe ice melt to prevent slick surfaces.
  - Check for cracks in your driveway or walkways that could worsen during freeze-thaw cycles.

5. Seal the Gaps: How to Stop Cold Air from Sneaking In

Snow can sneak into small gaps around windows and doors, causing drafts and moisture damage. Remember to keep your doors and windows tight to avoid unnecessary heating costs and potential damage.

Action Steps:

- - Look for frost buildup, condensation, or wet spots near windows and doors.
  - Add weatherstripping or caulk to seal any gaps.
  - Consider using draft stoppers for exterior doors to keep cold air out.

6. Basement Flooding Prevention

Melted snow can enter your basement through tiny cracks or poor drainage. Even minor leaks can escalate into significant water damage if not addressed.

Action Steps:

- - Check for damp spots, musty odors, or visible water accumulation in your basement.
  - Ensure your sump pump is operational and test it after heavy snowmelt.
  - Seal any cracks in your basement walls or foundation to prevent future water intrusion.

7. Be Ready for the Next Storm

Nebraska winters are unpredictable, so preparation is key. After addressing immediate post-snow concerns, take steps to ensure your property is ready for the next storm.

Action Steps:

- - If you haven’t already, schedule a professional property inspection this winter season. Seasonal inspections can serve as a strong baseline for any potential claims that may arise. It’s a great way to be proactive in protecting your assets.

Winter is here, and it’s time to act! By following this post-snow checklist, you can keep your property safe and prevent snow damage. ready for whatever the season throws your way.

Need help assessing damage after a storm? Our team at Premier Claims is here to guide you through every step of the process. From property inspections to filing insurance claims, we’ve got your back.

Don’t let snow damage leave you out in the cold—contact Premier Claims today to protect your property this winter!

Navigating the complex world of insurance doesn’t have to be overwhelming. For property owners, one of the most impactful ways to reduce premiums while maintaining excellent coverage is by reviewing and optimizing their insurance policies.

Understanding Your Policy

Insurance policies consist of various components, including deductibles, coverage limits, and endorsements. Understanding these elements allows property owners to assess their policies effectively.

Deductibles

High deductibles often result in lower premiums. However, property owners should evaluate their financial capacity to cover the deductible in the event of a claim.

Coverage Limits

Reviewing coverage limits ensures adequate protection without overpaying for excessive coverage. Assess the property’s value and adjust coverage limits accordingly.

Endorsements

Additional coverages can be added through endorsements. Evaluate the necessity of endorsements based on the property’s specific needs to avoid unnecessary expenses.

Regular Policy Reviews

Insurance needs can evolve over time due to changes in property value, renovations, or lifestyle. Regular policy reviews, ideally conducted annually, allow property owners to align their coverage with their current requirements. By staying proactive, policyholders can identify potential areas for savings to reduce premiums and optimize their coverage.

Risk Mitigation Strategies

Implementing risk mitigation measures can lead to lower premiums. Property owners can consider:

Security Systems

Installing security systems, such as alarms and surveillance cameras, can reduce the property’s risk, leading to potential premium discounts.

Maintenance

Proper maintenance, including roof repairs, electrical updates, and plumbing improvements, demonstrates responsible property ownership and can result in reduced premiums.

Bundling Policies

Combining multiple insurance policies (e.g., property and auto) with the same insurer often results in substantial discounts, making it a cost-effective choice for property owners.

Policy Shopping and Comparison

Periodically shopping for insurance quotes and comparing policies from different providers is a proactive approach to securing competitive premiums. Additionally, it’s essential to obtain quotes from reputable insurers, ensuring a balance between cost and coverage quality.

Consulting with a Public Adjuster

Engaging a public adjuster, like those at Premier Claims, can significantly impact premium savings. Public adjusters have in-depth knowledge of insurance policies and can guide the policyholder on to best protect themselves and their property. Their expertise aids policyholders attempting to receive fair treatment and optimal coverage for their premiums.

Property owners who invest time in understanding their policies, conducting regular reviews, implementing risk mitigation strategies, and exploring their options can achieve significant savings on premiums. By staying informed and proactive, property owners can make educated decisions that lead to substantial financial benefits.

Our team of seasoned public adjusters are on standby to assist you through the complexities of insurance coverage. To provide you with a comprehensive and accurate review of your policy, we invite you to complete our policy review. Subsequently, our team members will review your policy in-depth and reach back out to go over their findings at your convenience, allowing you to get the help you deserve!

How Insurance Carriers and Public Adjusters REALLY View Position Letters

Position letters are more than just formal documents—they’re the battleground where insurance carriers and policyholders (or their advocates) square off. Depending on who’s holding the letter, its purpose and impact shift dramatically.

From the Insurance Carrier’s Perspective: A Risk Assessment Tool

For insurance carriers, a position letter is less about what you’re saying and more about what it signals. Here’s how they approach it:

1. Assessing the Threat Level: A well-written position letter can send alarm bells ringing. It tells the carrier you’re informed, prepared to fight, and serious about the payout. However, if the letter is disorganized or lacks evidence, they’ll see an opportunity to double down on their denial.

2. Finding Weak Points: Insurance adjusters are trained to poke holes in arguments. They’ll scrutinize every word, looking for contradictions or evidence that isn’t compelling enough.

3. Damage Control: Sometimes, a strong position letter leads carriers to settle quickly. Fighting could cost them more in terms of legal fees, time, and public perception.

From the Public Adjuster’s Perspective: A Weapon of Advocacy

Public adjusters view position letters as their secret weapon for leveling the playing field. Here’s their take:

It’s a Game of Strategy

Public adjusters understand what makes carriers tick. They use this knowledge to craft letters that are airtight, persuasive, and tailored to the nuances of your policy.

Evidence Speaks Louder than Emotion

While policyholders might focus on how unfair the denial feels, public adjusters zero in on hard evidence:

- - Detailed damage reports with photo and video evidence.
  - Repair estimates.
  - Licensed inspections to form an accurate assessment of the damage.

This professional approach makes it harder for carriers to brush off the claim.

The Beginning of Negotiations

A position letter isn’t the end—it’s the opening move to a bigger play. Public adjusters use it to establish credibility and set the tone for future interactions with the carrier.

Why These Perspectives Matter

Understanding how both sides view position letters can help you navigate the process more effectively. When done right, a position letter isn’t just a formality—it’s a power move.

To learn more about how a public adjuster can be your most prominent advocate not only throughout the claims process—but especially when it comes time to draft your position letter, read our blog: Position Letters: Why They’re a Match Made in Heaven

Contact Premier Claims today!

Writing a position letter can feel like explaining quantum physics to a toddler—complex, frustrating, and next to impossible. That’s where public adjusters come in. They’re like the translators, advocates, and strategists you didn’t know you needed.

1. Decoding Insurance Jargon

Let’s face it—insurance policies are written to confuse. Public Adjusters have the expertise to cut through the legalese and pinpoint the clauses that strengthen your case.

2. Presenting Rock-Solid Evidence

It’s not enough to say, “My roof is damaged.” Our experienced inspection team and licensed public adjusters work together to identify damage that otherwise may have been overlooked. They know how to match your property’s damage to th specific coverage outlined in your policy, aiming for nothing to be left on the table. Here’s how they build a case:

- - Comprehensive damage assessments with photo and video evidence.
  - Expert-backed repair estimates broken down into precise, line-item costs.
  - Thorough policy reviews are needed to ensure that your carrier is held accountable and provides proper coverage per your policy terms.

Public adjusters know what carriers look for—and what they’ll have a hard time disputing.

3. Speaking the Carrier’s Language

Public adjusters know how to phrase arguments that resonate with claims departments. They craft letters that are professional and persuasive on behalf of the policyholder.

What Makes a Public Adjuster’s Position Letter Different?

When experts weigh in on the details, the arguments in a public adjuster’s position letter can become even more compelling, making it harder for carriers to delay, deny, and defend.

- - Tone: They strike the perfect balance between assertive and professional.
  - Content: They include evidence, policy references, and a plan for resolution.
  - Strategy: They anticipate the carrier’s counterarguments and know how to address them upfront.

The Ripple Effect of a Strong Position Letter

A well-crafted letter doesn’t just improve your chances of getting paid—it may change how the carrier approaches your claim. They know they’re dealing with someone who isn’t backing down without a fight.

Why You Shouldn’t DIY It

While it may be tempting to draft your own position letter, the stakes are too high to risk mistakes. Premier Claims brings the experience and objectivity to advocate for you effectively. Whether your claim has been underpaid, delayed, or flat-out denied, a public adjuster can take your position letter from “meh” to “masterpiece.”

Contact Premier Claims today!

What Are Policy Exclusions?

Understanding Policy Exclusions is Your Best New Year’s Resolution

So, What Are Policy Exclusions?

Why Do Policy Exclusions Exist?

The Most Common Exclusions You Should Know About

1. Natural Disasters

2. Wear and Tear

3. Negligence

4. Acts of War or Terrorism

5. Intentional Acts

6. Government Action

How to Tackle Policy Exclusions

A New Year’s Resolution You Can’t Afford to Miss

What Happens When Your Insurance Carrier Disagrees?

What Happens When Your Insurance Carrier Doesn’t Agree to the Damage?

The Impact of a Disagreement with Your Insurance Adjuster

Why You Need Premier Claims in Your Corner

Understanding Insurance Claim Reassignments

Why Is My Insurance Claim Getting Passed Around Like the Latest Gossip?

Why Do Carriers Reassign Claims?

1. Turnover

2. Specific Expertise

3. Fresh Set of Eyes

4. Delay Tactic

What Does This Mean for You?

How to Stay Ahead of the Chaos

Let’s Get Your Claim Back on Track

Why a Property Inspection Should Top Your End-of-Yer To-Do List

Start 2025 Off on the Right

Why Schedule a Property Inspection Before 2025?

Spot Damage Early and Save Money

The Benefits of a Property Inspection Before the New Year

Don’t Let Last Year’s Damage Hang Around

90 Days Later: Has Your Hurricane Claim Been Ignored?

What Your Insurance Carrier Should Have Done by Now

Insurance Carrier Responsibilities Post-Hurricane

Hurricane Helene

Hurricane Milton

Steps to Take If You’re Still Waiting

How Premier Claims Can Help Your Hurricane Claim

How Long Does a Hurricane Claim Take to Settle?

Don’t Walk—Take Action Today

Winter is Coming—Prevent Snow Damage This Season

1. Prepare Your Roof for Winter: Prevent Snow Damage Before It Starts

Action Steps:

2. How to Prevent Ice Dams

Action Steps:

3. Snow Damage Check

Action Steps:

4. Avoid Slip-and-Fall Accidents: Ice-Proof Your Walkways

Action Steps:

5. Seal the Gaps: How to Stop Cold Air from Sneaking In

Action Steps:

6. Basement Flooding Prevention

Action Steps:

7. Be Ready for the Next Storm

Action Steps:

Save on Insurance Premiums Without Sacrificing Coverage

Understanding Your Policy

Deductibles

Coverage Limits

Endorsements

Regular Policy Reviews

Risk Mitigation Strategies

Security Systems

Maintenance

Bundling Policies

Policy Shopping and Comparison

Consulting with a Public Adjuster

Position Letters: How Carriers and Public Adjusters Play Their Power Moves

How Insurance Carriers and Public Adjusters REALLY View Position Letters

From the Insurance Carrier’s Perspective: A Risk Assessment Tool

From the Public Adjuster’s Perspective: A Weapon of Advocacy

It’s a Game of Strategy

Evidence Speaks Louder than Emotion

The Beginning of Negotiations

Why These Perspectives Matter

Public Adjusters and Position Letters—A Match Made in Heaven

1. Decoding Insurance Jargon

2. Presenting Rock-Solid Evidence