Involving Legal Professionals in Your Claim

Is Involving Legal Professionals Necessary for Your Insurance Claim?

While the optimism of seeing the world through rose-colored glasses may suggest otherwise, the complexities of insurance claims can make legal assistance invaluable. Discover why having someone advocate for your best interests is crucial in the modern insurance landscape, where carriers aim to protect every cent.

Public adjusters typically handle claim advocacy effectively, rendering attorney involvement unnecessary. However, there are scenarios where legal assistance becomes vital:

Coverage Denial and Refusal to Negotiate

In instances where insurance coverage is denied or negotiations are refused, consider involving legal professionals. Legal professionals work to challenge denials, advocating for policyholders’ right to secure the coverage they’re entitled to. Legal professionals can also engage in negotiations with insurance carriers, striving for a settlement that is fair and reasonable.

Policy Interpretation Issues

Insurance policies often involve intricate language open to interpretation. Legal assistance becomes essential when disputes arise over policy terms. Attorneys can provide clarity on policy language, aiming to safeguard the rights of policyholders and that carriers adhere to the agreed-upon terms.

Bad Faith Practices by Insurance Carriers

Bad faith practices occur when an insurance carrier acts dishonestly or unfairly toward a policyholder. This includes unreasonably delaying claims processing, undervaluing claims, or wrongfully denying valid claims. Legal professionals can identify and challenge such practices, holding carriers accountable for acting in good faith and aiming to maintain fair treatment throughout the claims process.

Beyond the situations highlighted above, there are less apparent, yet valid reasons to consider legal counsel. Chip Merlin of Merlin Law Group, discusses one of these less apparent reasons in his blog “Insurance Company Claims Adjuster Bonus Programs and Criteria.” Some carriers may incentivize adjusters to underpay claims, making it crucial to involve legal representation. Legal professionals can file discovery motions to uncover any undisclosed bonuses that may compromise the fairness of claim payouts.

Uncovering these bonus programs may be challenging, as carriers often attempt to disguise them. An attorney, equipped with the expertise to refine discovery requests, can reveal less savory bonus programs. While not every claim requires legal intervention, having an attorney available ensures that, if needed, assistance is just a phone call away.

Explore the nuances of public adjusting claims and understand when legal involvement can make a significant difference in securing a fair and favorable settlement.

By: Ashley Balsbaugh | Associate Attorney

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Navigating Fire Damage: After the Damage Occurs

After Damage Occurs

After a fire wreaks havoc on a property, be it residential or commercial, the cascade of emotions can be overwhelming. The gamut of emotions — from shock and disbelief to grief and anger — can be overwhelming. It’s not uncommon for individuals to grapple with memory issues, anxiety, or depression following such a significant loss. In these trying times, your primary focus should be on emotional recovery and the well-being of everyone directly impacted by the loss. Our team steps in to shoulder the burdens of the logistical aftermath, ensuring you can dedicate your energy to healing and rebuilding emotionally.

Document Loss Information

In the aftermath of a fire, it’s essential to record pivotal details related to the incident. Key information includes the exact date of the fire, the non-emergency number for the fire department, the official report number, and the name of the fire marshal or investigator in charge. Having these particulars on hand can be instrumental during the claim process. Refer to our Fire Checklist for a complete list of key information to obtain after a fire loss occurs.

Secure Immediate Assistance

Whether it’s due to structural concerns, smoke contamination, or utility interruptions, the immediate aftermath can make it challenging, if not impossible, to continue daily operations or live comfortably. Securing immediate assistance is crucial, as it facilitates temporary relocations, ensures safety, and lays the groundwork for the recovery process. Taking prompt action helps in minimizing disruptions and ensures a more efficient path to restoration. A great resource for immediate assistance will be your local American Red Cross, as most chapters have a rapid response on getting you food, clothing, medicine, and places to stay. 

Track Every Expense: Additional Living Expense Reimbursement

Every receipt matters. Ensure you maintain a record of all expenses incurred due to displacement after a fire loss. Traditionally insurance policies have Additional Living Expense coverage that can be reimbursed. During our review of your policy, we can provide a clear understanding of the limits of this coverage for you.

Engage Premier Claims

In the wake of fire damage, dealing with insurance claims can be a daunting and time-consuming task, diverting attention from crucial recovery needs. By engaging with our team, property owners can prioritize their emotional and physical well-being, and continue with their daily routines. Our team steps in to navigate the claim process, ensuring all aspects are handled professionally and thoroughly. Trust in our expertise, and offload the complexities of claims, allowing you to focus on healing and restoring your peace of mind.

Mitigate Further Damage

Insurance policies typically mandate that policyholders take necessary steps to prevent additional damage. Adhering to this obligation is not only essential for the integrity of the property but also for ensuring compliance with policy terms. Our team offers access to a network of seasoned mitigation professionals who specialize in post-fire cleanup and damage prevention. We actively manage this process, diligently tracking and compiling all associated expenses, aiming to ensure we account for every cost, and facilitating a seamless reimbursement process with the insurance carrier.

 

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Prepare Your Property for Winter: A Comprehensive Guide

As we officially settle into fall it’s time to think about the ways you can prepare your property for winter, because it will be here before you know it. Property owners in the Northern Hemisphere face unique challenges, such as the changing weather patterns, which demand proactive measures to safeguard their property from potential damage. At Premier Claims, we understand the importance of preparation. We’ve combined our experiences with essential insights to create a comprehensive guide tailored for business owners. Ensuring your property’s safety and resilience during winter is not just a necessity; it’s a strategic investment.

Winter Essentials for Commercial Properties

Protect Your Pipes from Freezing

Frozen pipes can lead to costly damage. Maintain a consistent indoor temperature above 55 degrees, even when the building is unoccupied. To ensure that unwanted cold air stays out of your property, regularly inspect your building for cracks or holes in seals. Swift repairs can prevent pipe bursts and potential water damage.

Roof and Gutter Maintenance

Inspect your business roof and gutters for any signs of wear and tear. Clean out leaves and debris from gutters to prevent water buildup, which can lead to roof damage and leaks. Ensure that your roof is free of loose shingles or tiles, as they can be easily dislodged during storms.

HVAC System Checks

As the temperatures drop, your heating, ventilation, and air conditioning (HVAC) system will be working overtime. Schedule a professional inspection to ensure it’s in optimal condition. Clean or replace filters and clear vents to maintain efficient airflow, reducing the risk of system failures.

Landscaping and Outdoor Features

Trim tree branches and remove dead vegetation around your property. Fall is a good time for pruning, ensuring that heavy branches won’t fall and cause damage during winter storms. Secure outdoor fixtures, signage, and furniture to prevent them from being damaged or becoming hazards in strong winds and snow storms.

Emergency Preparedness

Review and update your emergency preparedness plan. Ensure all employees are aware of evacuation procedures, emergency contacts, and the location of emergency supplies. Regular drills can reinforce safety protocols, ensuring everyone knows what to do in case of severe weather events.

Policy Review

Before winter sets in, it’s crucial to review your property insurance policy. We recommend having your policy reviewed by a professional to confirm your policy adequately protects against winter-related risks like burst pipes or roof collapses due to heavy snow. Proactive coverage provides financial stability, saving you from potential setbacks in the event of property damage. We have a team of seasoned professionals ready to review your policy. Don’t wait, act now to secure your business’s winter readiness.

At Premier Claims, we understand the unique challenges faced by business owners with properties in colder climates. By taking proactive steps to prepare your property for winter, you can enjoy peace of mind throughout the fall and holiday seasons. Stay prepared, protected, and let Premier Claims be your ally in safeguarding your investments.

 

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Public Adjuster Near Me: Things to Look for and Consider

Recovering from the devastation of storm damage is a complex process, and having a reliable public adjuster by your side can make all the difference. The aftermath of a natural disaster is overwhelming, especially when it comes to dealing with insurance claims. Partnering with a Public Adjuster who understands the challenges you face and tailors to you and your property’s needs helps to streamline the claims process. Moreover, a public adjuster is your advocate, equipped with the expertise and knowledge to navigate the intricate landscape of insurance policies. Their partnership allows you to better equip yourself to fight for a fair settlement, enabling you to rebuild and restore your life. Now you may be asking, how do I find a public adjuster near me?

Top 5 Things to Look For in a Public Adjuster

#1 Verify Licensing & Accreditation

Ensure the public adjuster you consider is licensed and accredited by the relevant regulatory bodies. This accreditation validates their expertise and adherence to industry standards, providing you with confidence in their professionalism.

#2 Evaluate Experience & Specialization

Look for an adjuster with a proven track record in handling various types of damages, such as water damage, hail damage, fire damage, and hurricane damage. Specialization in specific areas ensures they possess the expertise needed to handle your unique situation effectively.

#3 Transparency & Trustworthiness

Transparent communication about fees, the claims process, and expected timeline is essential. Furthermore, a trustworthy public adjuster maintains open and honest communication, ensuring you are well-informed at every step.

#4 Check Client Testimonials and Reviews

Reading testimonials and reviews from previous clients provides valuable insights into the adjuster’s reputation and the satisfaction of their clients. Premier Claims takes pride in its positive client feedback, reflecting our commitment to excellent service and successful outcomes.

#5 Investigate Communication & Availability

Effective communication is key to a successful partnership. Evaluate the adjuster’s responsiveness and availability. Premier Claims ensures that our team is readily available to address your concerns and provide updates, offering you peace of mind during the claims process.

Why Choose Premier Claims?

At Premier Claims, our expertise goes beyond mere professional qualifications. Our team, consisting of industry veterans with advanced certifications and ongoing education, ensures we stay ahead of industry trends and policy changes. A public adjuster with a fully equipped team of professionals can significantly impact the outcome of your claim for the better. Premier Claims is dedicated to surpassing industry standards by incorporating innovation, technology, and a meticulous claim management process. Our six-step process is committed to delivering unparalleled results, safeguarding your interests at every stage. Certain states may have regulations that determine the services a public adjuster may provide. Our process and services we are able to provide will be based on the state regulations. To learn more, visit our Public Adjuster Legal Disclaimer. When you choose Premier Claims, you benefit from:

Expert Knowledge & Continuous Education

Our professionals hold advanced degrees and certifications, constantly updating their skills to navigate the ever-evolving insurance landscape effectively.

Tailored Strategies for Maximum Results

We understand the uniqueness of each case. Consequently, our team creates customized strategies, attempting to maximize your settlement based on the intricacies of your specific situation.

Supporting You Beyond the Claim

Our team actively offers personalized policy guidance, addresses industry inquiries, and commits to providing you with tailored support. We’re here to ensure your peace of mind extends beyond the claims process, offering expertise and assistance whenever you need it.

Your journey to reclaiming your life after storm damage begins with choosing the right public adjuster. Moreover, Premier Claims, combines expertise, integrity, and a genuine commitment to your well-being. Contact Premier Claims today to discover how we can help you and your property!

 

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Navigating Fire Damage: Proactive Protection

Proactive Protection

In the face of unpredictable fire events, it is vital for property owners to safeguard not only their tangible assets but their financial health from fire damage. By being proactive, one can minimize the devastation that fires can bring, ensuring quicker recovery and smoother claim processes

Prevention

Incorporate fire-resistant building materials, maintain a defensible space around the property, and ensure regular checks on fire alarms and sprinkler systems. Frayed wires, faulty or damaged appliances, and neglected or out-of-date electrical systems can all potentially spark a serious fire. We recommend having regularly scheduled maintenance on appliances and electrical systems, so you can help reduce your risk of fire.

Preparedness

Equip your property with easily accessible fire safety tools like extinguishers and fire blankets. Establish and practice emergency evacuation plans with family members or employees. Safeguard irreplaceable items and crucial documents by storing them in fireproof safes.

Awareness

Different regions and property types face varying fire threats. For instance, a residential home in a wooded area might be at risk of wildfires, while a commercial kitchen could be more susceptible to grease fires. It’s essential to stay updated on fire alerts and warnings specific to your area. Additionally, familiarize yourself with the common causes of fires pertinent to your property type and location.

Policy Review & Understanding

Knowledge is your first line of defense, especially when it comes to understanding your policy term and coverage for fire damage. It is important to be aware of the financial liability you would shoulder, such as the deductibles and policy limits in the event of a total loss. Verifying coverage with a policy review for additional aspects of your asset or business, such as reimbursement for business interruption, will help reduce the financial strain post-fire loss. In essence, a clear grasp of your policy can be the difference between swift recovery versus a prolonged financial hardship.

Documentation

Fire damage affects not only building structures but also their contents. Documenting items with photos, purchase dates, and receipts is essential. However, many individuals lack the time for detailed record-keeping. A practical solution is to record a walk-through video, capturing every area and item in the property. Store this video in a cloud-based storage system to ensure its accessibility and safety from potential damage.

Engage a Public Adjuster

We recommend engaging a licensed and reputable public adjuster before any potential loss. Our team offers an objective review of your insurance policy terms, highlighting if your coverage matches your assets and risks. Our expertise aids in creating a precise inventory of contents, capturing every item’s value. Furthermore, we provide a comprehensive inspection that will identify potential vulnerabilities in your property. Bringing a public adjuster onboard early positions you for a smoother claim process, should a disaster occur.

What is a public adjuster?

Public adjusters are trained and licensed insurance adjusters with a fiduciary responsibility to work exclusively for the policyholder to ensure they receive the fair and reasonable settlement rightfully owed to them from the insurance carrier. 

While the public adjusting industry began as negotiators to increase final settlements, more experienced firms like Premier Claims have evolved. Being well-versed in the intricacies and emotional challenges of major losses, our team strives to alleviate the stress and time commitment of claims. With us, your focus remains on personal recovery and peace of mind.

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Debunking Public Adjuster Myths: Delaying a Claim

At Premier Claims, we believe in empowering policyholders with knowledge. One way to do this is by debunking the public adjuster myths that surround the insurance industry. One common misconception we encounter is the belief that public adjusters delay claims, leading people to believe that hiring a public adjuster will negatively impact their claim.

The Truth Behind the Myth

Insurance claims inherently involve a series of steps, documentation, assessments, and negotiations. The complexities of the claim itself and the policies and procedures of the insurance carrier primarily dictate the duration of this process however, our team of public adjusters at Premier Claims possess a deep understanding of these procedures. Their expertise streamlines the entire process, ensuring they effectively navigate each step, avoiding delays.

Understanding the Public Adjuster’s Role

A public adjuster’s fundamental responsibility is to advocate for you, the policyholder. Their expertise lies in comprehending the intricate language of insurance policies, assessing the damage thoroughly, and negotiating with the insurance carrier on your behalf. However, contrary to the myth, their involvement expedites the process by:

Accurate Assessment

Public adjusters meticulously evaluate the damage, aiming to account for all aspects of the claim. Their precise documentation prevents back-and-forth with the insurance company, saving time. Additionally, this detailed approach strengthens the foundation for a smooth negotiation process.

Negotiation Expertise

Public adjusters are skilled negotiators. They engage with the insurance carrier, presenting a well-documented claim and advocating for a fair settlement promptly. Furthermore, their experience often leads to swifter resolutions.

Policy Knowledge

Understanding the intricacies of insurance policies is crucial. Therefore, public adjusters actively interpret policy language, aiming to maximize every entitlement and coverage benefit, thus preventing unnecessary delays in processing or delaying a claim due to misunderstandings.

It’s important to debunk the misconception that public adjusters delay claims, ensuring accurate information prevails in the industry. Gain valuable insights from Dana Langfeldt, a seasoned Public Adjuster at Premier Claims, as she dives deeper into the crucial support public adjusters provide to policyholders. Understanding that the public adjuster doesn’t negatively impact the claims processing timeline is crucial. Instead, they actively expedite the process, fighting on your behalf, to try to secure a rightful settlement.

 

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What is a Public Adjuster?

When faced with significant damage to your property, navigating the complex terrain of insurance claims can be overwhelming. That’s where a public adjuster comes into play. What exactly is the role of a public adjuster, and how can they assist you during this stressful time?

Decoding a Public Adjuster’s Role in Your Claim

A public adjuster is an insurance expert you can hire to manage your claim for you. Unlike insurance company adjusters who represent the insurer’s interests, they work exclusively for you. Their primary goal is to ensure you receive every dollar you’re entitled to under your policy.

Role of a Public Adjuster

Damage Assessment

A public adjuster will inspect and assess the damage to your property. Furthermore, they will evaluate the scope of repairs and estimate the replacement value for those repairs.

Policy Understanding

They will help you understand your insurance policy, decipher the legal jargon, and ensure you are aware of what is covered.

Negotiation

Public adjusters communicate with your insurance carrier on your behalf, attempting to negotiate a settlement that accurately reflects the damage and coverage.

Documentation

They document everything you’ve lost and double-check the damage to your property, potentially leading to a larger insurance settlement.

When Should You Consider Hiring a Public Adjuster?

Large or Severe Claims

Public adjusters are particularly valuable for significant claims involving high-value or extensive damage to your property, such as after a fire or a natural disaster.

Claim Disputes

If you are dissatisfied with your insurance carrier’s settlement offer or feel that the claim settlement is too low, they can help dispute the settlement and advocate for a higher payout.

Complex Claims

When you face complex claims involving multiple policies or intricate questions about coverage, a public adjuster’s expertise can be invaluable.

Benefits

Fair Settlements

Public adjusters are skilled negotiators, fighting for your right to a fair and accurate settlement. This can be hard for a policyholder to obtain on their own.

Time Savings

They handle all the paperwork and communication with your insurance carrier, saving your significant time and stress.

Policy Understanding

Additionally, public adjusters help you comprehend your policy details and navigate the often confusing claims process, ensuring you make informed decisions throughout the entire journey.

Reliability

Get Referrals

Seek recommendations from friends, family, or online reviews to find reputable public adjusters in your area.

Check Licenses

Ensure the adjuster holds a license in your state. Most state insurance departments provide online license verification tools.

Research

Look for adjusters affiliated with professional associations like the National Association of Public Insurance Adjusters, ensuring adherence to industry standards and ethics.

Read Contracts Carefully

Understand the fees, services, and terms, outlined in the contract before hiring an adjuster.

Remember, hiring a public adjuster can level the playing field between you and your insurance carrier, ensuring you receive the compensation you deserve after a disaster. Furthermore, by entrusting the complexities of your insurance claim to a skilled professional, you can focus on rebuilding and regaining peace of mind while your public adjuster advocates for your rightful settlement.

 

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Understanding Water Damage Coverage: A Policyholders Guide

Water damage is one of the most common and potentially devastating issues property owners face. Whether it’s due to a burst pipe, heavy rainfall, or a faulty appliance, water damage can wreak havoc on your property. Understanding your insurance coverage is crucial in such situations. We will delve into the intricate details of water damage coverage, so that you, as a policyholder can be better informed and prepared in the event of water damage.

Types of Water Damage Coverage

Sudden and Accidental Damage

Most standard property insurance policies cover sudden and accidental water damage. This includes situations like a burst pipe, a malfunctioning appliance, or a sudden leak in the roof. However, coverage might vary based on the specific cause, so it’s essential to understand the policy terms.

Flood Damage

It’s important to note the standard insurance policy typically does not cover flood damage. For protection against floods, a separate flood insurance policy from the National Flood Insurance Program (NFIP) is necessary. Furthermore, if you live in a flood-prone area, investing in flood insurance is highly recommended.

Sewer Backup

Sewer backups can cause significant damage to your property. Some insurance policies offer coverage for sewer backups, but it’s often an optional add-on. Check your policy to see if this coverage is included or consider adding it for comprehensive protection.

Understanding Coverage Limits

Even if your policy covers water damage, there are often limitations to the coverage. These limitations may include caps on the total payout, restrictions on certain types of water damage, or higher deductibles for specific causes. It’s crucial to review your policy documents carefully to understand these limitations and assess if additional coverage or policy adjustments are necessary to align with your financial situation & strategy.

Preventing Water Damage

Regular Maintenance

Regularly inspect and maintain your property, checking for signs of leaks, deteriorating pipes, or faulty appliances. Consequently, addressing issues promptly can prevent significant water damage.

Install Proper Drainage Systems

Ensure your property has adequate drainage systems, including gutters, downspouts, and sump pumps. Therefore, proper drainage can redirect water away from your property, reducing the risk of water infiltration.

Educate Tenants

If you rent your property, educate tenants about the importance of reporting leaks promptly. Simultaneously, in your own residence, ensure family members are aware of water-saving practices and how to shut off the main water supply in emergencies.

Being well-informed about your water damage coverage is the first step in protecting your property and assets. Regular policy reviews, understanding coverage limitations, and investing in additional coverage where necessary can provide peace of mind. By taking preventive measures and staying informed, policyholders can minimize the risks associated with water damage and ensure a swift and effective response in case of emergencies. Remember, a well informed individual can better protect their property. Stay informed, stay vigilant, and safeguard your property against the unexpected challenges of water damage.

 

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Aftermath of a Storm: Key Steps to Take

Facing the aftermath of a storm can be a daunting experience. But when it comes to safeguarding your property and filing an insurance claim, it’s essential to have a clear plan of action. Below is a guide to assist you through the initial steps following a date of loss.

1. Survey Exterior Damage

After ensuring your safety, the first step is to assess the storm damage to your property.

Exterior Inspection: Begin by examining the exterior of your property for visible damage. Look for missing shingles or broken gutters. As well as obvious roof leaks or scattered roofing materials.

Air Conditioning Unit: Even if it’s not the summer season, check your AC unit for damages. You wouldn’t want any surprises when it’s time to use it.

Other Damages: Be thorough in identifying all storm-related damages, including those caused by trees, neighbor’s trees, or missing fencing. 

 

2. Survey Interior Damage

Inspect the inside of your property for signs of internal damage. 

Water Leaks:  Keep an eye out for water leaks or puddles on walls and floors, especially on the ground floor. 

Windows and Attic: Check windows for leaks and inspect your attic for any issues. 

 

3. Take Photos

Capture clear photos to document all damage you see on your property in the aftermath of a storm.

Exterior Damage: From damaged roofs to broken AC units, photos play a significant role in your insurance claim.

Interior Damage: Document any damage inside your home, ensuring clarity in the images.

 

4. Keep Everything

Hold onto damaged items, as your insurance assessor may need to inspect them for your claim. Even if you can’t keep large items, like a waterlogged carpet or a broken TV, take photos and keep small samples if possible. A piece of your wet carpet can serve as evidence!

 

5. Shield Your Property

To prevent further damage to your property while waiting for repairs, we recommend covering visible holes or broken windows. You can do this by using tarps or canvases. Furthermore, ensure that you move valuable belongings and electronic equipment out of harm’s way.

 

6. Public Adjuster Inspection

Enlist the expertise of a public adjuster to ensure that all damage to your property is accounted for prior to filing a claim. Their in-depth knowledge, negotiation skills, and commitment to your best interests can significantly impact the outcome of your insurance claim. Ultimately, providing you with the peace of mind you deserve after a date of loss occurs. 

Navigating the aftermath of a storm and filing an insurance claim can be challenging, but with the right steps and the support of Premier Claims, you can restore your property with peace of mind. Remember, our dedicated team is here to assist you throughout the process.

 

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