Insurance Carrier Tactics Exposed

When you file an insurance claim, you expect your insurance carrier to have your back. Right? After all, that’s why you’ve been paying premiums all these years. Unfortunately, the reality is often quite different. Insurance companies, like any business, are driven by profits. This can lead to practices prioritizing their bottom line over your best interests. Here’s a closer look at some common insurance carrier tactics and how Premier Claims, a dedicated public adjusting firm, can help you combat them:

Common Insurance Carrier Tactics

1. Denial of Valid Claims

Insurance carriers may deny your claim for various reasons, often citing that the damage is not covered or is excluded due to policy limitations. One common tactic is to label damage as “old” or outside coverage limits, even if it occurred during the policy period. This is where regular property inspections become crucial. Premier Claims emphasizes that regular inspections document the condition of your property and ensure that you can clearly distinguish any new damage from pre-existing issues. To have your property inspected by our team, contact us today. 

2. Underpayment of Claims

Insurance carriers may significantly underpay claims even if your claim is not outright denied. They rely on policyholders’ lack of insurance knowledge and the frustration of navigating the claims process. At Premier Claims, we counter this by leveraging our expertise to analyze your policy meticulously. We break down complex industry terminology and ensure that you receive compensation according to the terms of your policy.

3. Confusing Policy Language

Insurance policies are notorious for their complex language and industry-specific terminology. Carriers may use this to their advantage, hoping to confuse policyholders into accepting less than they deserve. Premier Claims provides a critical service by interpreting and explaining your policy in plain language. Our team dives deep into the fine print, uncovering any hidden benefits and ensuring that every clause is interpreted to maximize your claim. To ensure your property is adequately protected, have your policy reviewed by our team: Complimentary Policy Review

How Premier Claims Can Help You

At Premier Claims, we understand the challenges you face when dealing with common insurance carrier tactics. Our mission is to level the playing field and to help protect your rights throughout the claims process. Here’s how we can assist you:

COMPREHENSIVE POLICY ANALYSIS

Our legal team dissects insurance policies to uncover every potential benefit available to you.

STRATEGIC CLAIM NEGOTIATION

We fiercely advocate for you, negotiating with insurance carriers to secure the maximum compensation available.

EXPERT GUIDANCE AND SUPPORT

From initial consultation to final settlement, we provide personalized support and guidance, intending to keep you informed and empowered.

Don’t let insurance carriers exploit your trust and lack of industry knowledge. At Premier Claims, we are committed to fighting for your rights and ensuring you receive the best compensation available. Whether your claim has been denied, underpaid, or needs professional guidance through the claims process, we’re here to help. Contact us today to learn how we can help protect your interests and maximize your insurance claim.

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.