Boost The Likelihood Of Insurance Claim Success

To be blunt, insurance claims are often complex, time-consuming, and incredibly frustrating. While they are a necessary evil, they shouldn’t run your life. Paying for a public adjuster might seem counterintuitive, but their expertise can lead to larger settlements, saving you time and navigating the complex claims process more effectively.

The Insurance Carrier’s Priorities

It’s important to understand that, at the end of the day, the insurance carrier may not have your best interest in mind. Their goal is to minimize payouts to protect their bottom line. This can sometimes result in lower settlement offers that do not fully cover your losses. Without an expert on your side, you might find it challenging to receive the compensation you deserve.

Your Advocate in the Claims Process

A public adjuster acts as your advocate during an insurance claim. We are licensed professionals who work exclusively for policyholders, not insurance companies. Our primary goal is to ensure you receive the maximum settlement available. A public adjuster, unlike the insurance adjuster sent by your insurer, commits to fighting for your rights and interests.

Success Tied to Your Outcome

One of the key aspects of working with a public adjuster is the alignment of interests. Generally speaking, we don’t win unless you do. We typically receive a percentage of the claim settlement as our compensation, which motivates us to maximize your payout. This shared interest ensures that we are fully committed to achieving the best possible outcome for your claim.

The fee process may be different depending on the state your property is located. 

Our current win percentage is over 1000% more than the carrier’s first offer. What does that mean exactly? If your carrier offers $10k initially, after we work and negotiate the claim with the carrier, we can release $100k. With that in mind, our fee is going to be barely a dent in the overall winning amount.

Expertise in the Claims Process

We are seasoned in the claims process and work hard to get the client a favorable outcome regarding a payout for related loss and/or damage. The intricacies of insurance policies and claims can be daunting for those unfamiliar with them. Public adjusters have the knowledge and experience to navigate these complexities, identify possible coverages, and attempt to account for all details of the claim thoroughly.

 We’ve seen carriers deny claims by poorly interpreting the policy, offer to pay half the roof when the full roof needs to be replaced, claim the damage was old and is no longer covered, and thousands of other excuses as to why they won’t give the insured what they are owed under the policy. We know the insurance carrier plays a role in the game of insurance claims, and we’re ready to battle.

Identifying Hidden Damages

Property damage isn’t always visible to the untrained eye. Public adjusters have the education and experience to identify hidden damages and additional losses that may not be immediately apparent. This thorough assessment intends to ensure that nothing is overlooked and that you receive compensation for all damages incurred.

Going to Court Without an Attorney

Filing a claim on your own is like going to court without an attorney. Are you prepared to go to court alone? Just as experts recommend hiring a lawyer to represent you in legal battles, hiring a public adjuster to manage your insurance claim offers you professional representation and enhances your chances of achieving a favorable outcome.

Handling an insurance claim on your own might seem like a cost-saving measure initially, but the potential for under-settlement and the stress of dealing with insurance companies can outweigh any perceived savings. By hiring a public adjuster, you ensure that you have a dedicated advocate who will work tirelessly to secure the most compensation offered. Don’t navigate this challenging process alone—partner with Premier Claims and negotiate with experience.

What is a Damage Assessment?

Protect your property like a pro!

Hear from our Inspections Manager and Adjusting Manager as they break down the essential steps and purpose of a damage assessment. Discover hidden signs of damage, and important safety measures, and gain the knowledge you need to navigate your claims process with confidence. Don’t leave your property vulnerable- watch now to learn from experts.

 

 

 

 

 

 

To learn more about damage assessments, check out the following blog:

Let’s Talk Damage Assessments

 

 

 

 

 

Protect Your Property from Ice Dams

Winter brings its own set of challenges, and one particularly troublesome issue for property owners is the formation of ice dams. While they may seem innocuous at first, ice dams can lead to significant hidden damages if not addressed promptly. In this guide, Premier Claims sheds light on the causes of ice dams, the potential damages they can cause, and actionable tips to protect your property.

Causes of Ice Dams

Understanding the Culprits

Ice dams typically form when warm air from the interior of a building escapes into the attic, causing the underside of the roof to warm. This warmth, in turn, causes snow on the roof to melt. When the melted snow reaches the colder eaves, it refreezes, creating a dam. Subsequent melting snow can then pool behind this dam, potentially seeping into the property.

Hidden Damages

Roof Damage

The repeated freezing and thawing of water can compromise the integrity of your roof. Over time, this may result in leaks, structural damage, and the need for extensive repairs. 

Attic and Insulation Issues

Ice dams can lead to water infiltration into the attic, damaging insulation and promoting mold growth. This can affect the overall energy efficiency of your property.

Interior Water Damage

Seeping water can find its way into the interior of your property, causing damage to ceilings, walls, and even valuable belongings.

Protecting Yourself from Ice Dams

Adequate Insulation

Ensure your attic is properly insulated to minimize heat transfer from the interior. This helps maintain a consistent roof temperature, preventing snowmelt and ice dam formation.

Ventilation Solutions

Proper attic ventilation promotes temperature disruption on the roof, reducing the likelihood of ice dam formation. Consult with roofing professionals to assess and improve your property’s ventilation.

Regular Roof Maintenance

Keep your roof in top condition by removing snow promptly after storms. Use roof rakes or hire professionals to prevent excessive snow buildup, lowering the risk of ice dam formation. 

Professional Inspection

Schedule regular inspections to identify and address potential issues before they escalate. Swift intervention can save from costly repairs in the long run.

Understanding the causes and hidden damages of ice dams empowers property owners to take proactive measures. By implementing these tips and staying vigilant, you can safeguard your property from the detrimental effects of ice dams. If you ever encounter damages, our experienced team is ready to guide you through the claims process with professionalism and care. Don’t compromise your peace of mind; take action today.

Remember, for any property damage concerns, Premier Claims is your trusted partner, offering industry-leading guidance and support.