Hurricane Recovery—Where to Start

Start Your Hurricane Recovery Process on the Right Foot After Helene and Milton

Hurricane Helene and Hurricane Milton have left many property owners facing the daunting task of assessing and recovering from damage. As you begin to navigate the recovery process, it’s crucial to choose the right contractor to ensure your property is restored to its former condition. In this blog, we’ll guide you through what to look for when selecting a contractor, what to expect in terms of recovery timelines, and the vital role of prompt property inspections.

Why Inspections Matter Post Hurricanes Helene and Milton

After Hurricanes Helene and Milton, the first step towards recovery is to have your property inspected as soon as it’s safe. A thorough inspection not only identifies the extent of damage but also helps prevent further issues, such as mold growth or structural instability. This is where Premier Claims comes in. Our team can provide a comprehensive inspection, working directly with your insurance carrier. We aim for all damages to be accounted for, helping you avoid the common pitfalls of underpaid or denied claims.

Premier Claims offers more than just inspections—we take the burden of dealing with the insurance claims process off your shoulders. We are here to guide you through every step of the recovery process. For help with your Hurricane Helene or Hurricane Milton claim, contact our team today! Here are a few reasons why acting quickly is essential:

  1. Prevent Further Damage: The longer you wait to address damages, the more likely they are to get worse. Water intrusion, for instance, can lead to significant structural issues if not dealt with immediately.
  2. Expedited Claims Process: Insurance carriers often prioritize claims based on the timing of inspections. Getting your property assessed quickly can help ensure your claim is addressed promptly, leading to faster recovery.
  3. Mitigation of Risks: Securing your property against additional damage—such as using tarps for roofs or boarding up windows—can help mitigate risks and protect your property until repairs can begin.

What to Look for in a Contractor Post-Hurricane

Choosing the right contractor can significantly impact your recovery experience. Here are key factors to consider:

  1. Licensing and Insurance: Ensure the contractor you choose is properly licensed and insured. This protects you from liability in case of accidents on your property and provides you with a contractor who is qualified to handle repairs of your specific damage type.
  2. Experience with Hurricane Damage: Look for contractors who have experience dealing specifically with hurricane-related damages. They will be more familiar with the common issues arising from such events and how to address them effectively.
  3. Positive Reviews and References: Check online reviews and ask for references from previous clients. A contractor with a proven track record of satisfactory work will provide peace of mind as you move forward with recovery.
  4. Clear Communication: Your contractor should be open and communicative, ensuring you understand the scope of work, timelines, and costs involved. Look for someone who is willing to answer your questions and address your concerns.
  5. Detailed Estimates: Request detailed written estimates from potential contractors. This should include a breakdown of costs, materials to be used, and a timeline for the project. A reputable contractor will be transparent about what you can expect.

What to Expect During the Recovery Timeline

Once you’ve selected a contractor, understanding the recovery timeline is vital for managing your expectations. The recovery process can look different for everyone, depending on the severity of your property damage, your insurance carrier, and the availability of the materials required to repair your property. It’s important to have open communication with your contractor to understand the scope of work at hand fully. Keep an open mind and know your property will be restored to its former glory.

Recovering from Hurricane Helene and Hurricane Milton is undoubtedly challenging, but choosing the right contractor can ease the process significantly. By acting quickly to have your property inspected and following the tips outlined above, you can make informed decisions that will lead to a smoother recovery. At Premier Claims, we understand the emotional and physical toll hurricanes can take on property owners, and we are here to support you through the claims process and recovery journey. Remember, you don’t have to go through this alone—contact our team today!

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Insurance Carriers Leave Hurricane Victims Vulnerable

When Wind Exclusions Leave Hurricane Victims Vulnerable—Stark Reality

The aftermath of Hurricane Helene has left many property owners picking up the pieces—literally and figuratively. While most policyholders assume their insurance will come through in times of crisis, many are blindsided by one significant policy clause—the wind exclusion. This clause often leaves hurricane-affected property owners unprotected, even when wind damage is the primary cause of destruction during storms like Hurricane Helene and the impending Hurricane Milton. 

A wind exclusion in a property owner’s insurance policy means that damage caused by windstorms, which often accompany hurricanes, is not covered. Shockingly, many property owners in hurricane-prone regions only learn about this exclusion after disaster strikes. Insurance carriers stopped covering floods when they realized it was hurting their profitability, and now, with the rise of wind exclusions, we may be seeing a similar trend. As insurers continue to minimize their financial risk, property owners are left with greater exposure.

Trusting Your Carrier

For many property owners, their insurance policy is a lifeline. A promise that when disaster strikes, they’ll have the financial backing needed to make any repairs. Year after year, policyholders dutifully pay their monthly premiums, believing they secure a safety net against unforeseen circumstances. However, the stark reality is many insurance carriers continue to allow these faithful customers to pay for coverage they know may not protect them when they need it most. In recent years, insurance carriers have started adding wind damage exclusions to their policies—most policyholders aren’t catching this added language. Leading policyholders to believe they are safeguarded against the very risks that could devastate their lives. This betrayal of trust raises critical questions about the ethics of the insurance industry and emphasizes the urgent need for transparency in policy agreements. 

Having an insurance policy creates a false sense of security, when in reality they include exclusions, ie wind damage, that eliminate the safety features of your policy. Insurance policies create a false sense of security by including exclusions such as wind damage.

Hurricane Categories

Hurricane Helene, which impacted 6 states, was classified as a Category 3 Hurricane when it reached land. It had sustained winds ranging from 111 to 129 mph, capable of causing extensive damage. Homes were destroyed, trees were uprooted, leading to power outages and hazardous conditions many didn’t see coming. 

Days later, Hurricane Milton is making its way to Florida as a Category 5 Hurricane. Experts are predicting Milton will subside to a Category 3 by the time it reaches land, potentially doubling in size. Even so, the hurricane is expected to have sustained winds that exceed speeds of 150 mph. Such strong winds can result in catastrophic damage, including roof loss, structural failures, and significant flooding from storm surges, making preparedness essential for residents in affected areas. 

The status of Hurricane Milton and its impact continues to change, so it’s important to focus on how the storm may impact you. For key tips to keep yourself safe, read our blog: Hurricane Milton Hits Category 5 Status: Prepare Yourself. 

To make matters worse—many policyholders don’t have the coverage they need to protect their property against storms of this magnitude.

Exclusions in High-Risk Areas: A Question of Fairness? 

In regions prone to hurricanes, one would expect insurance policies to be tailored to the risks property owners face. Yet, many insurance carriers include these wind exclusions precisely because of the high likelihood of such damage. While carriers may argue this helps keep premiums lower, it exposes policyholders to the very events they need protection from the most. 

According to industry statistics, approximately 40% of property owners in hurricane-prone areas have policies with wind exclusions. This staggering statistic reveals the precarious position far too many are put in. It’s particularly disheartening to see that in areas where windstorms are an inevitable risk, many insurance carriers push for exclusions knowing policyholders will be left vulnerable. 

Why Policyholders Are Often Unaware of Wind Exclusions

One of the biggest frustrations we face as public adjusters is encountering property owners that are unaware their policies exclude wind damage. Policyholders often assume their primary policy will cover all hurricane-related damage. After all, hurricanes are classified as “windstorms,” right? 

Unfortunately, this assumption is costly. Many property owners only discover the fine print when it’s too late—when the roof has blown off, windows have shattered, and their insurer denies the claim due to the wind exclusion. “A wind exclusion can significantly undermine any potential claims under the primary policy. At Premier Claims, we are committed to supporting our policyholders and aim to help them fully understand the implications of their coverage. A wind exclusion in a hurricane claim makes it nearly impossible to do more,” Wesley Levison, Licensed Public Adjuster.

Flood Damage—The Other Silent Threat

While wind exclusions are a major issue, most policies also exclude flood damage. As a result, policyholders without separate flood insurance are left with very few options after a hurricane. Given that flood insurance is often costly and complicated to obtain, this omission only compounds the problem. Without wind or flood coverage, policyholders are left to fend for themselves entirely without any meaningful protection against hurricane damage. 

According to the National Flood Insurance Program (NFIP), only 15% of Americans have flood insurance. Combine this with wind exclusions, and the likelihood of having a successful claim after a hurricane plummets. 

Insurance Carriers Need to Do Better

It’s difficult not to feel a sense of frustration at the way insurance carriers are taking advantage of people who have loyally stood by their side. Yes, business is business, and risk is part of the game. However, excluding the two most likely causes of damage—wind and flood—from policies in hurricane-prone areas is nothing short of leaving policyholders out in the storm. In the coming years, we could see even further restrictions on wind coverage, leaving property owners increasingly vulnerable to the devastating impact of storms.

People deserve transparency, and the fine print shouldn’t be a nasty surprise waiting for them when they need coverage the most. We urge all policyholders to review their policies and understand their exclusions. Our team of legal professionals can take a deeper look at your policy and identify what coverage you have exactly. If we find gaps in your policy, we’ll help you pinpoint areas you could consider adding coverage to prepare for future storms. To have your insurance policy reviewed by our team, fill out the following form: General Policy Review. 

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60 Minutes: Key Takeaways from “After the Hurricane” report

60 Minutes:
Key Takeaways from “After the Hurricane” report

The Devastation of Hurricane Helene: Lessons from the Past

In the wake of Hurricane Helene’s unprecedented destruction, thousands of homeowners are not just picking up the pieces of their lives—they’re bracing for a new kind of storm: the battle with their insurance carriers. While families are still reeling from the devastation, a darker, more troubling reality is unfolding. Will their insurance policies—the safety nets they’ve invested in for years—come through when they need them most?

If history is any indication, the answer might leave you unsettled. CBS’s recent 60 Minutes exposé on Hurricane Ian revealed how insurance carriers systematically underpaid or outright denied policyholders. They altered damage assessments to reduce payouts. With Hurricane Helene’s damage mirroring, if not exceeding, Ian’s, homeowners must now confront the possibility that they, too, could face the same unfair treatment.

As you begin the recovery process, it’s crucial to know how to protect yourself from an industry that may prioritize profits over people.

What Happened After Hurricane Ian?

According to the episode, many policyholders found that their damage reports were mysteriously altered, underestimating the destruction to their properties. As the whistleblowers interviewed in the episode noted, insurance carriers deployed tactics that included modifying damage estimates—sometimes drastically—to minimize the compensation owed to homeowners. A contractor featured in the episode shared, “The damage was clear, but what wasn’t clear was why the estimates didn’t match reality anymore.”

The Harsh Reality of Insurance Payouts Post-Hurricane

As evidenced in the 60 Minutes episode, policyholders from Hurricane Ian are still battling their insurance carriers for the compensation they were promised. These delays and reductions in payouts can be financially crippling at a time when people need help the most. 

The question on everyone’s mind now is: Could this happen again with Hurricane Helene? Unfortunately, the current insurance climate suggests that it’s not just a possibility, but a strong likelihood.

How You Can Protect Yourself

Given the current landscape, there are several things policyholders should keep in mind when navigating the claims process after Hurricane Helene:

  1. Document Everything: Take extensive photos and videos of all damage before making any repairs. Your documentation will serve as evidence if your claim is disputed or reduced.
  2. Get an Independent Assessment: Hiring a public adjuster to assess the damage and provide an objective estimate may be worthwhile. This can safeguard you against any lowball offers or claims modifications. Contact our experienced team today to have your property inspected.
  3. Don’t Settle Too Soon: As we reflect on our experience with policyholders during Hurricane Ian, it’s important for policyholders to feel empowered to review every offer they receive from their carrier. Levi Warren, our Adjusting Manager, advises, “The most common mistake I see is accepting a final award too quickly. With all the emotions involved in your claim, it’s easy to want to rush through the claim process to make yourself whole again. Be sure to take your time and review the estimate you receive from your carrier to make sure nothing is missing.”
  4. Seek Professional Help: Public adjusters, like those at Premier Claims, can fight on your behalf to negotiate with your carrier. They understand the tactics insurers use to minimize payouts and can help hold them accountable, aiming to take the stress off your plate.

Hurricane Helene: Prepare for a Fight

As we watch Hurricane Helene’s devastation unfold, property owners must brace themselves for the physical recovery and the potential financial battle ahead. In many cases, it’s not about how much damage was done but how much insurers are willing to acknowledge.

We encourage policyholders to stay informed, know their rights, and reach out to professionals when in doubt. The lessons from Hurricane Ian should serve as a grim reminder: proactively know the coverage and rights within your policy so you know when it’s time to defend your claim. 

Premier Claims is Here to Help

At Premier Claims, we advocate for policyholders like you to receive fair compensation from their carriers—making the restoration process as smooth as possible. Our experienced team manages every aspect of your insurance claim, from damage assessment to negotiating with insurers, so you can focus on recovery.

If you’ve been impacted by Hurricane Helene, contact Premier Claims today. You don’t have to go through this alone.

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What Do I Do After a Hurricane?

Post Hurricane Helene Responsibilities as a Policyholder 

As you brace yourself for the impending hurricane, it’s perfectly normal to feel a mix of anxiety and anticipation. While we can’t control Mother Nature (trust me, we’ve tried), we can control how we respond when the storm clouds roll in. Knowing your responsibilities as a policyholder can protect your property and make the recovery process much smoother. 

1. Act Quickly to Mitigate Damage

Once the winds start howling, your first job is to mitigate further damage—a fancy way of saying, “Stop the damage from getting worse!” Here’s how to do that without losing your cool:

2. Notify Your Insurance Carrier Immediately

Once you’ve taken steps to secure your property, it’s time to let your insurance carrier in on the action. Here’s how to make the call count:

3. Take Charge of the Recovery Process with Premier Claims

After notifying your insurance carrier, it’s time to take charge of the recovery process—and you don’t have to do it alone! Here’s how Premier Claims can step in and assist you:

4. Lean on Your Community for Support

Finally, don’t forget about the power of community. After the hurricane is the perfect time to channel your inner neighborly spirit.

Weathering the Storm Together

Facing the aftermath of a hurricane can feel daunting, but understanding your responsibilities as a policyholder can empower you during this challenging time. Taking proactive steps to mitigate damage, notifying your insurance carrier promptly, and leaning on your community for support can turn a stressful situation into a more manageable one.

If you need help navigating the claims process, remember Premier Claims is here to guide you every step of the way. Connect with our team today, and together, we’ll turn this stormy season into a story of resilience and recovery.

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Hurricane Helene Preparation: Document Your Property’s Condition

Protect Your Property Before Hurricane Helene

With Hurricane Helene looming, it’s easy to focus solely on securing supplies and preparing for the storm. However, one of the most important steps you can take is documenting the current condition of your property. Having this documentation can be invaluable if you need to file an insurance claim after the hurricane passes. After all, the last thing you want to deal with in the aftermath of a storm is the stress of proving your losses to your insurance carrier.

Why Documenting Your Property’s Condition Is Crucial

After a natural disaster like a hurricane, proving the extent of the damage to your insurance carrier can become difficult. If you don’t have clear evidence of your property’s pre-storm condition, the insurer may question how much damage is directly related to the hurricane. By showing the property’s condition before the storm, you can avoid delays or disputes in getting the compensation you need for repairs.

How to Document Your Property Before Hurricane Helene

  1. Take Clear Photos and Videos

    Start by photographing and recording your entire property, both inside and outside. Pay special attention to areas that are prone to damage, such as the roof, windows, and doors. Ensure your images are high-quality and well-lit. For video documentation, provide a verbal description as you walk through each area of your property, pointing out specific details like recent renovations or the condition of older structures. This extra effort can go a long way in showcasing your property’s integrity.

  2. Capture Key Areas of Potential Damage

    Focus on areas of your property that could be most affected by Hurricane Helene, such as:

    • Roofing and Gutters: Photograph the current condition of the roof to prove there was no existing damage.
    • Windows and Doors: These areas are often the first to suffer damage during a hurricane. Capture their current state, including any protective measures like storm shutters.
    • Exterior Landscaping and Fencing: Document trees, fences, and any outdoor structures that could be affected by high winds.

  3. Create a Property Inventory

    We recommend creating a list of your personal belongings and their estimated value. This inventory should include everything from electronics and appliances to furniture and valuables. Keep receipts and proof of purchase alongside your inventory for expensive items, like jewelry or high-end electronics. Keeping a digital copy of this inventory is in your best interest when it comes time to submit your claim efficiently. These items may hold sentimental value as well as financial investment, so documenting them is a key step in protecting yourself.

  4. Store Your Documentation in a Safe Place

    Once you’ve gathered all your documentation, make sure it’s stored safely. Opt for cloud storage services or a backup drive to ensure your data is not lost, even if your property sustains significant damage. Physical copies should be kept in a waterproof and fireproof container. Taking these precautions can give you a sense of security, knowing you have what you need in case the unexpected happens.

Why Is This Important?

When filing a claim after a hurricane, your insurance carrier will typically assess the damage to determine how much you should be compensated. If you’ve documented your property’s condition beforehand, you can quickly provide evidence that supports your claim, helping you avoid disputes about pre-existing damage.

Insurance adjusters appreciate policyholders who can show clear before-and-after comparisons. These records can fast-track the claims process, allowing you to receive payments more quickly. Moreover, it helps prevent disputes over whether certain damages were caused by the hurricane or pre-existing issues, reducing the stress of navigating your recovery.

Don’t Wait Until It’s Too Late

It’s important to document your property well before Hurricane Helene reaches your doorstep. Once a storm warning is issued, there’s often too little time to create comprehensive documentation. Make property documentation a regular part of your annual maintenance to stay prepared for unexpected events like Hurricane Helene.

Be Prepared, Stay Safe, and Protect Yourself

With hurricanes becoming more frequent and severe, it’s essential to prepare your property physically and administratively. Properly documenting your property’s condition is one of the best ways to protect your financial interests and those you love. Taking these steps before the storm can make the claims process smoother and more efficient, giving you peace of mind during a stressful time. 

At Premier Claims, we understand preparing for a hurricane can be overwhelming. Our dedicated team is here to support you throughout the entire process, from beginning to end. We’ll help you navigate the critical steps in pre-hurricane preparation, including how to document your property effectively. You don’t have to do this alone—reach out to our team today to create a solid foundation for your post-storm recovery.

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Mold Exclusions: What Your Insurance Carrier Isn’t Telling You

Mold Mayhem

Mold— it’s like that uninvited guest who shows up at your party, eats all the snacks, and leaves you with a mess to clean up. Unlike a party crasher, mold can cause serious damage to your property and health. The real kicker? Your insurance policy may not cover the damage. Surprised? You’re not alone. As storm damage and water woes hit record levels, mold exclusions in insurance policies are catching property owners off guard. Let’s dive into the murky world of mold exclusions and see how to avoid getting stuck with the cleanup bill. 

Mold Exclusions: The Fine Print You Can’t Afford to Ignore

In the grand game of “What Does My Insurance Actually Cover?” Mold exclusions are like the joker card—unexpected and not very funny. These sneaky clauses wormed their way into property owners’ policies after some high-profile lawsuits in the early 2000s. Remember the Ballard v. Farmers Insurance Group case? Neither did we—until it led to a $32 million lawsuit that made insurance carriers nationwide sweat bullets. The insurance industry responded with a collective “Nope!” by slapping mold exclusions on policies and placing caps on the amount of coverage available for mold damage. 

Why Mold and Insurance Don’t Mix

Insurance carriers are the friends who refuse to eat at certain restaurants because of a bad experience years ago. Mold is their bad experience. The problem? Mold is expensive to fix, and health issues linked to mold exposure can linger like a bad odor (pun intended). To avoid footing the bill for moldy messes, insurers decided to cut their losses— literally— by excluding or limiting mold coverage. They figured it’s better to lose a few customers than face another muti-million dollar lawsuit. 

The Creeping Threat: Why Molid Is More of a Problem Than Ever

Mother nature has been throwing a lot at us lately— floods, hurricanes, and windstorms that have turned buildings into waterlogged, mold-friendly environments. While mold might start as a small patch, it can spread faster than gossip at a neighborhood BBQ. The bad news? As severe weather events become more common, the risk of mold damage increases. It gets worse— your insurance policy might not have your back when you need it most. 

Don’t Let Mold Make You the Punchline

How to Protect Your Property

  1. Read the Small Print (Yes, All of It)

Read your insurance policy like a thriller novel—every word matters. Look out for red-flag phrases within your policy exclusions like fungus, rot, and moisture damage. 

  1. Mold Insurance: Not Just for the Paranoid

You wouldn’t buy a house without a roof, so why settle for insurance that doesn’t cover all your potential risks? Some insurance carriers offer separate coverage or endorsements that cover mold damage more comprehensively. 

  1. Maintenance is Your Best Defense

The best offense is a good defense, and that’s true for mold, too. Regular property maintenance is like taking your vitamins— boring but essential. Fix leaks, keep your gutters clean, and don’t ignore that weird, musty smell coming from the basement. The quicker you act, the less chance mold has to settle in and make itself at home. 

  1. Insurance Policies are Confusing— Ask a Professional

Don’t worry about having to review insurance policy alone; our team at Premier Claims is here to help. If you’re scratching your head over what’s covered and what’s not, consult with one of our professionals. They can help decode your policy and suggest coverage options to protect your property adequately. Submit your insurance policy for review today: https://premier-claims.com/policy-review/

Mold might be one of life’s little unpleasantries, but discovering your insurance doesn’t cover it? That’s a nightmare. By staying informed, reviewing your policy, and taking preventative steps, you can avoid the mold trap altogether. After all, the only thing worse than mold is mold and a denial letter from your insurance carrier.

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Get a Policy Review: Protect Yourself from Carrier Tactics

How Do You Know You’re Properly Covered in the Event of a Disaster? Answer— You Don’t!

We’ve all got a million and one things on our plate, and who has the time to sit down and dissect an insurance policy, right? Here’s the cold, hard truth— neglecting that policy review could be the decision that haunts you when disaster strikes. 

A storm rolls in, lightning cracks, thunder roars, and suddenly your business is flooded, your investments ruined. You’re knee-deep in water scrambling to salvage what you can, all while the clock ticks down. 

What if you had taken the time to get that policy review?

What if you had known the ins and outs of your coverage like the back of your hand?

Maybe, just maybe, you could have avoided the nightmare altogether. 

Insurance Carriers Are Pros at Taking Your Money

Here’s the kicker— insurance policies are notorious for their labyrinthine language and sneaky loopholes. That “Act of God” clause? It might not cover as much as you think. And those exclusions buried in the fine print? They could leave you high and dry when you need help the most.

Not all insurance claims have a happy ending, but it is possible to increase the likelihood of a happy ending relatively easily. Enters the Public Adjuster: the unsung heroes of the insurance world. Public adjusters, like those at Premier Claims, are armed with the knowledge and expertise to navigate the murky waters of your policy. 

Still not convinced? Consider this— The time you invest in that policy review could be the difference between a smooth claims process and a never-ending nightmare. Not to mention that a policy review will only take seconds of your time. Picture yourself sailing through the storm, confident and prepared, while others flounder in the chaos. 

Intrigued? Concerned? Good, it’s time to take action. 

Face the beast head-on, arm yourself with knowledge, and take control of your claim. Because when disaster strikes you’ll want to be the one calling the shots, not the other way around.

Reach out to Premier Claims today and let us guide you through the murky waters of insurance policies. Your future self will thank you – trust us, we’ve seen it all. 

Remember, ignorance may be bliss, but it’s a one-way ticket to disaster. Allow our team of experts to evaluate your insurance policy and ensure your property is properly protected. By submitting your policy, you’ll gain valuable insight on how to optimize your coverage for maximum benefit. Don’t let it cost you everything. Submit your policy for review today: https://premier-claims.com/policy-review/

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Why Insurance Claims Are Denied and Underpaid

Navigating insurance claims can feel like deciphering a cryptic puzzle. You file a claim expecting support, only to face the frustration of either a denied or underpaid insurance claim. Ever wondered what causes these outcomes? Join us as we unveil why insurance claims sometimes fall short and how you can proactively protect your rights.

Profit Pressures and Claim Outcomes

Insurance companies prioritize profit, which directly impacts their bottom line. This focus can lead to underpaid claims as they seek to maintain financial health. Your claim could be denied or underpaid for a multitude of reasons. Here are five of the most common:

Policy Exclusions

Policies often contain specific exclusions that limit coverage for certain events or circumstances. Your claim may be denied or only partially paid if it falls within one of these exclusions. If your current policy falls short, exploring alternative options is crucial to better prepare for the future. Our team is ready to assist you in finding the right coverage with the right carrier. To ensure that your property is adequately protected, submit your insurance policy for a complimentary review: https://premier-claims.com/policy-review/

Incomplete Documentation or Incorrect Information

Insufficient evidence or documentation to support your claim can result in underpayment or denial. Keep records, receipts, and photos to substantiate your claim. Incorrect or incomplete information provided when filing a claim can lead to delays or denials. Ensure all details are accurate and supported by documentation.

Misinterpretation of Policy Language

Insurance policies can be complex, and misinterpreting the language or terms can lead to misunderstandings about coverage entitlements. When was the last time you went through your insurance policy? One might think that insurance carriers purposely design policies with sneaky language and jargon that the average policyholder doesn’t understand.

Delay in Reporting

Failing to report a claim promptly after an incident can raise suspicions and lead to increased scrutiny or denial. Report claims as soon as possible to avoid complications! To learn more about when to file a claim, read our blog: When Is the Right Time to File a Property Insurance Claim?

Pre-existing Damage or Conditions

Claims for damage that existed before the policy period or was caused by pre-existing conditions may be denied as they do not meet the coverage criteria. Accurate documentation of the damage to your property and the date of loss is key! We recommend ensuring that your property is routinely inspected to help mitigate this type of denial. Updated documentation of your property’s condition can be a huge asset throughout any claims process.

Understanding Your Coverage Inside Out

Misunderstanding policy coverage often leads to claim denials. Policies are filled with industry jargon and fine print that can be challenging to decipher. Knowing your coverage thoroughly can prevent surprises and ensure you receive entitled benefits.

Leveraging Claims Expertise

Navigating claims processes alone is daunting. Our team of licensed professionals dedicates itself to maximizing your claim and advocating for your rights. Their extensive experience tends to ensure clarity and fairness throughout negotiations.

The Role of Public Adjusters

Similar to going to court without a lawyer, facing an insurance claim without a public adjuster may put you at a disadvantage. Public adjusters, like those at Premier Claims, specialize in claims management, offering critical support in understanding your rights as a policyholder. Premier Claims has a fully equipped team that tackles every aspect of the claims process for you.

Understanding why claims are underpaid or denied empowers you to secure fair treatment from your insurance company and prepare for future claims. Leveraging expertise, knowing your policy, and seeking professional support enable confident navigation of the claims process.

Take Charge of Your Claims Process Today.

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Hassle-Free Inspections= Streamlined Insurance Claims

At Premier Claims, we strive to make the inspection process seamless and hassle-free. Discover how we manage the inspection process without requiring you or your contractor to be onsite, which, in turn, creates a streamlined insurance claims process.

Hassle-Free Inspections

One key advantage of working with Premier Claims is our convenient and hassle-free inspection process. Our inspectors can access the roof without needing you or your contractor present. This flexibility allows you to continue with your daily activities uninterrupted. 

Disclaimer: Inspection circumstances may vary depending on the location of the damage on your property, the state of damage, and the type of property. 

Professional and Thorough Assessments

Inspections are crucial in filing an insurance claim. Our experienced inspectors collaborate with insurance adjusters to conduct thorough damage assessments. They meticulously document all findings to ensure every damaged aspect is noted.

Transparent Communication

We maintain transparency throughout the claims process. Any damage identified during the inspection will be promptly communicated to you through your designated client specialist. We are committed to maintaining a consistent line of communication with you throughout the claims process.

Coordination with Your Contractor

While your contractor’s presence isn’t necessary during the inspection, we understand you might prefer their involvement. We are happy to coordinate with your contractor to ensure a smooth process, aiming to cover your claim comprehensively.

Expert Documentation

Our inspectors provide detailed documentation of any damage found during the inspection to our adjusting team and your client specialist representative. This is crucial for substantiating your claim and ensuring all necessary repairs are accounted for.

Dedicated Client Support

After the inspection, your client specialist will review the findings with you, offering a comprehensive overview of the damage and guiding you through the next steps. Our team is dedicated to making sure you understand every aspect of your claim.

Focus on Your Peace of Mind

At Premier Claims, we simplify the inspection and claims process, allowing you to focus on what matters most—your peace of mind. We provide flexibility and convenience by not requiring you or your contractor to be onsite. Trust our experienced team to handle the details, communicate transparently, and work diligently to get your claim covered.

Disclaimer: Inspection circumstances may vary depending on the location of the damage on your property, the state of damage, and the type of property. 

Contact us today to learn more about our streamlined inspections and how we can assist you with your insurance claim.

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