Why Canceling Your Inspection Should Be a Last Resort 

At Premier Claims, we understand that life can be busy and scheduling conflicts arise, but canceling your property damage inspection appointment can significantly hinder the progress of your insurance claim. Keeping your inspection appointment assists in making the claim process as smooth and beneficial as possible.

Why Is an Inspection So Important?

1. An Inspection is Essential for Your Claim

The property damage inspection is critical for both us and your insurance carrier. Without it, we may be unable to proceed with your claim. The inspection allows us to accurately document the extent of the damage, which is essential for determining the appropriate compensation. Skipping this step could delay your claim or even lower your payout.

2. You Don’t Need to Attend the Inspection

No need to worry if you can’t attend the property damage inspection. Your presence is not required as long as we can access the roof and other necessary areas. Our team is fully equipped to handle the inspection independently, trying to ensure that all damage is thoroughly documented.

3. We Advocate for You

Our inspectors act as your advocates during the inspection. We have your best interests in mind and work diligently to ensure every known detail of the damage is documented. This comprehensive documentation is crucial to support your claim best and increase the likelihood of compensation from the carrier. 

4. Transparent and Ongoing Communication

We believe in keeping you informed throughout the entire claims process. Your designated client specialist will provide regular updates to inform you of your claim. This transparency helps you stay engaged and understand each process step, even if you can’t attend the inspection.

Canceling your property damage inspection can delay your claim and potentially reduce the compensation you receive. By keeping your appointment, move forward efficiently and continue to advocate on your behalf. Even if we find that there isn’t damage to your property, documenting the current state of your property can be beneficial for potential future claims. To learn more about the benefits of a damage-free inspection, read our full blog: https://premier-claims.com/blog/no-damage-inspections-benefits/. Remember, your presence at the inspection is unnecessary as long as we have access to the damaged areas. Trust our team to handle the inspection competently and keep you informed along the way.

If you have any concerns or questions about the property damage inspection process, please don’t hesitate to reach out. We’re here to support you and ensure your claim is handled with the utmost care and professionalism.

Exposing Insurance Deception: Who is Your Carrier Loyal to?

The Mask of Trust

You’ve faithfully paid your insurance premiums for years, believing that when disaster strikes, your insurance carrier will swoop in to save the day. But what if I told you your blind trust could be costing you thousands? Take the time to learn their game, and overcome possible insurance deception. 

The Wolf in Sheep’s Clothing 

Your insurance agent may smile warmly and shake your hand, but beneath that friendly facade lies a stark reality: their loyalty isn’t to you— it’s to their employer. And when push comes to shove, whose interests do you think they’ll prioritize?

Let’s be real: insurance carriers are in the business of making money, not handing it out. When you file a claim, your agent’s job isn’t to maximize your payout— it’s to protect the company’s profits. Suddenly, that friendly smile doesn’t seem so reassuring, does it? 

The Power of Choice

Unlike your insurance agent, we’re not beholden to the whims of the insurance company. Our allegiance lies solely with you, the policyholder, and we are committed to fighting to stop at nothing to ensure you get the compensation you deserve. 

Still Skeptical?

Imagine this: You’re facing the aftermath of a vicious storm and you filed a claim with your insurance carrier, seeking rightful compensation for hail damage to your property’s metal roof. But instead of a swift resolution, you’re met with a daunting denial— making you question the coverage you’ve faithfully paid for.

Enter Premier Claims.

With unwavering determination, we become your advocate. In the face of carrier delay tactics, we stand firm by your side, armed with collected evidence of the storm’s damage to your property. 

Through our expertise, we secured a $1.16 million dollar settlement for a complete roof replacement. Our impact didn’t stop there, as we commonly attempt to steer the insured towards a future of coverage security, by advising an upgrade to more robust policy, in an attempt to further safeguard you from future coverage denials.

This isn’t just a story we pulled out of thin air— it’s a true testament to our capabilities. Premier Claims secured this complete roof replacement for a religious center in Orlando, Florida. Imagine the possibilities for your own claim. 

Take Your Place in the Driver’s Seat

As storm clouds gather on the horizon, now is the time to take action. Don’t wait until it’s too late to protect your interests. Contact Premier Claims today and let us be your guiding light in the darkness of insurance deception. Together, we can weather the storm and emerge stronger on the other side. 

In the face of uncertainty, one thing remains clear: the importance of having a trusted ally by your side. With Premier Claims in your corner, you can rest easy knowing that your interests are protected. Don’t let the storm catch you off guard— let us lead you to victory. 

Tornado Recovery, Where Do You Start?

Emotions run high as communities assess the full extent of devastation caused over the weekend. About 40 tornadoes tore across the Midwest, including Nebraska, Iowa, Oklahoma, and Kansas, as well as a few down in Texas. Some reports show around a hundred tornadoes touched down over the tumultuous weekend. It’s clear there is much work ahead to recover from this disaster. But where do you start?

If this whirlwind of devastation affected you, then you most likely asked yourself that very question: Where do I start?

When you experience such a level of devastation that rips your entire life from its foundation and scatters it about, it becomes almost impossible to think straight. The flattened view of homes and memories before you is captioned by children’s confused cries as they search for their Wubbie or bicycle – the equivalent of an emotional tornado. Where do you find time to pick up the pieces of littered remnants of your home and everything within it?

Recovery & Claim Tips

Next Steps

The next steps become increasingly complicated and time consuming. The claims process can take 6 months to a year or longer. Do you have an additional 20 hours available to spend on a claim for the next 6 months to a year on top of your normal life? I know I don’t and most other people don’t either.

Are you prepared to tackle all that is required in the claims process?

Unlike the carrier adjuster, a public adjuster solely has your interests in mind. They can manage the additional 20 hours a week to handle your claim, reducing your burden. Public adjusters are experts in their field. They will advise and assist you throughout the entire claims process, eliminating those nagging questions and uncertainties you have right now.

What should I do?

Where do I start?

How do we get through this?

Premier Claims is familiar with disaster response and aiding property owners with claims, and this time, it’s in our own backyard. Our experts are here to help our community rebuild and heal from this tragedy. For more support, reach out to our team today: https://premier-claims.com/storm-damage/ 

By: Ashley Workman | Sr. Paralegal & Licensed Public Adjuster

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.

What Do You Do After Property Damage Occurs?

Steps to Take After Property Damage 

As you’re sitting at your dinner table, drinking your coffee, and eating your breakfast, you open up Facebook, and all you see are photos, videos, and news articles about the hail storm that swept through your neighborhood. You see that one of your friends posted a picture of a golf ball-sized hail near one of the office buildings you own. You realize there is a VERY good chance your building has damage. What do you do? Do you know how to navigate the claims process after property damage?

Here’s a comprehensive guide on what to do after property damage:

1. Mitigate Further Damage

First and foremost, prioritize your own safety and that of others. If the damage poses any immediate danger, take necessary steps to mitigate further impact or loss to your property. This could involve actions like boarding up windows, covering exposed areas, or shutting off utilities if necessary. Safety should always be the top priority.

2. Document the Damage

Capture thorough photographic and video evidence of all damage. This documentation is crucial as it serves as tangible proof of the extent of the damage for your insurance claim. Take pictures and videos from multiple angles, including close-up shots and wider views, to capture the full scope of the damage.

3. Contact Our Team for Guidance

Reach out to our team as soon as possible for professional assistance. Premier Claims specializes in navigating the complexities of insurance claims and can provide invaluable guidance from the outset.

4. Initiate the Claims Process

After reviewing the evidence and records, if we determine there is sufficient damage covered under your policy, we will initiate the claims process on your behalf.

Contact us today to learn more about how we can assist you in navigating the insurance claims process and recovering from property damage effectively. Your peace of mind is our priority.

Why Your Contractor Can’t Handle Your Insurance Claim

Your Decisions Could Cost You

You’ve just discovered extensive damage to your property, and your first instinct is to call your trusted contractor. They’ve always done a great job with repairs, so why not rely on them to handle the insurance claim too? Before you make that decision, consider this: entrusting your claim solely to your contractor could lead to unexpected complications and potentially costly consequences.

The Potential Risk You’re Unaware Of

Did you know that it’s illegal in most states for contractors to represent themselves as public adjusters? This distinction is crucial because, generally, handling insurance claims requires specific licensing and expertise. By relying on an unqualified individual, you’re risking the outcome of your claim and potentially facing legal repercussions. Imagine the added stress of legal battles on top of property damage. 

Expertise vs. Qualifications

Sure, your contractor might excel at repairs, but do they have in-depth knowledge of insurance policies and negotiation strategies? Public adjusters undergo extensive training and licensing precisely for these reasons. They know the ins and outs of the insurance claim process, always trying to ensure that your claim is accurately documented. Trusting someone without the right qualifications is like navigating a minefield blindfolded. 

The Power of Collaboration

Instead of choosing between your contractor and a public adjuster, why not have both working for you? At Premier Claims, we collaborate closely with your contractor to try to achieve the best outcome for you. Your contractor focuses on restoring your property while our team advocates for your best interests and negotiates with your insurance carrier. This partnership is intended to ensure that every aspect of your claim and restoration process is handled with expertise and care, creating a win-win situation for you.

Take Control of Your Claim

Don’t gamble on your property’s ability to be fully restored. Take control of the situation by contacting Premier Claims today. Our team of licensed public adjusters is here to help you navigate the complex claims process, fight for the best settlement, and restore your peace of mind. Don’t wait until it’s too late- ensure your claim gets the attention it deserves from the people who are qualified to do it.

Filing a Claim Without Losing Coverage: Know Your Rights

The fear of being dropped by your insurance carrier is a common concern among policyholders, but it’s important to understand that such action is unlikely and illegal. Let’s delve deeper into this misconception and explain why filing a claim shouldn’t jeopardize your coverage.

Filing a Claim Isn’t Something to Fear

Legal Protection for Policyholders

Contrary to popular belief, insurance carriers are prohibited by law from dropping policyholders simply for filing a claim. Laws and regulations bind your insurance adjuster and govern their operations like a set of rules directs a public adjuster. These regulations safeguard policyholders against unfair treatment and allow policyholders to receive the protection they’ve paid for.

Preserving Your Coverage

You purchase insurance coverage to protect your property against unforeseen events, including storm damage. Filing a claim is fundamental to utilizing your insurance coverage as intended. Whether the damage appears minor or significant, it’s crucial to address it promptly to prevent future complications.

Mitigating Future Risks

While the damage you’ve sustained may seem insignificant at the time, it may escalate into a larger problem over time. Delaying or forgoing the claims process could leave you vulnerable to costly repairs or liabilities in the future. Your risks may be at their highest once the statute of limitations for filing a claim has passed. By addressing the damage promptly, you’re taking proactive measures to protect your property and mitigate future risks. To learn more about filing a claim, read our blog: https://premier-claims.com/blog/when-should-i-file-a-claim/

Empowering Policyholders

At the heart of insurance coverage is the principle of protection and support for policyholders. Your insurance carrier should be there to assist you in times of need, not to penalize you for seeking the coverage you’ve paid for. By understanding your rights and the legal protections in place, you can confidently pursue the resolution of your claim. Going through the claims process without fear of repercussions from your insurance carrier for filing a claim sounds rather nice, does it not?

Moving Forward with Confidence

Don’t let your fears prevent you from accessing the coverage your insurance carrier has agreed to issue. By filing a claim for the damage to your property, you’re exercising your rights as a policyholder and taking proactive steps to safeguard your investment. Trust in the legal protections and move forward confidently, knowing that your insurance carrier cannot drop you for simply utilizing your coverage as intended.

Advocate for Your Rights

Ready to address the damage to your property and secure the coverage you deserve? Contact Premier Claims today to learn how our team of experts can assist you in navigating the claims process with confidence. Let us be your trusted partner in advocating for your rights and protecting your property against unforeseen risks.

Neglected HVAC Maintenance: Costly Consequences

As a commercial property owner, prioritizing seasonal maintenance for your HVAC system is paramount to protecting your investment and the longevity of your business. Neglect can lead to a multitude of costly consequences, impacting not only your bottom line but also the safety and well-being of your occupants. Explore the potential damage that can occur to your property due to neglected HVAC maintenance and why proactive measures are crucial for mitigating risks.

The Impact of Neglected HVAC Maintenance

Reduced Efficiency

Neglected HVAC maintenance causes the system to be inherently less efficient, leading to increased energy consumption and higher utility costs. Dirty filters, worn-out components, and improper calibration may impair system performance. This can cause heating and cooling equipment to have to work harder to maintain the desired temperature. As a result, there maybe uneven heating and cooling throughout the property, diminishing occupant comfort and productivity.

Decreased Indoor Air Quality

Poorly maintained HVAC systems can compromise indoor air quality, exposing occupants to allergens, pollutants, and contaminants. Dust, mold, and bacteria may accumulate within ductwork and ventilation systems. This accumulation may circulate throughout the property and can lead to respiratory issues and allergies for occupants. Inadequate ventilation can also cause the buildup of carbon monoxide and other harmful gasses, posing serious health risks. 

Property Damage

Neglected HVAC systems are vulnerable to a range of damage that can compromise the integrity and safety of commercial properties. Here’s a detailed breakdown of the types of damage that can occur:

Fire Hazards

Clogged air filters obstruct airflow, causing heating equipment to overheat and potentially ignite flammable materials. Accumulated dust, debris, and particulate matter within HVAC systems increase the risk of fire hazards, posing a significant threat to property and occupant safety. 

Water Damage

Refrigerant leaks in cooling systems can result in water damage to the property’s interior. Condensation buildup from malfunctioning HVAC units can lead to moisture infiltration within walls, ceilings, and flooring, promoting mold growth and structural deterioration. Addressing water damage is crucial to prevent further property damage and to mitigate health risks associated with mold contamination. 

Mold Infestations

Moisture buildup from HVAC system malfunctions creates an ideal environment for mold growth within the property. Mold spores can proliferate rapidly in damp, humid conditions, spreading throughout the building and compromising indoor air quality. Mold infestations may not only damage property surfaces but also may pose health risks to occupants. This can trigger respiratory issues and allergic reactions.

Structural Deterioration

Persistent moisture infiltration from HVAC system leaks can weaken building materials and compromise structural integrity over time. Wood rot, corrosion, and decay may occur in affected areas, leading to costly repairs and structural reinforcement efforts. Identifying and addressing structural damage early is essential to prevent further deterioration and ensure the safety of occupants. 

Electrical Damage

Faulty HVAC components and wiring can result in electrical malfunctions and power surges. This poses a risk of electrical fires and equipment damage. Overloaded circuits, short circuits, and wiring defects may occur as a result of neglected maintenance, resulting in the need for repairs and electrical system upgrades to mitigate safety hazards. 

By understanding the various types of property damage associated with neglected HVAC maintenance, commercial property owners can take proactive measures to mitigate risks, protect their investments, and ensure the long-term sustainability of their businesses. Regular HVAC inspections, maintenance,and repairs are essential for preserving property assets and protecting occupant safety.  

Preventing Future Problems

To mitigate the risks associated with neglected HVAC maintenance, commercial property owners can prioritize proactive measures and partner with experienced professionals to implement a maintenance plan. To learn more about how you can prepare your HVAC system for spring, read our blog: Seasonal Transitions- Optimizing HVAC Systems for Spring

Neglecting seasonal HVAC maintenance in commercial property can have severe consequences, causing damage to your property. By investing in regular maintenance and partnering with reputable professionals, property owners can safeguard their investments, protect their occupants, and preserve the long-term success of their business. 

Insurance Coverage for Collapse

You just bought your dream property— investing time, effort, and resources into making it a reality. Yet, amidst the joys of ownership lies the uncertainty of potential structural disasters. Enter collapse coverage, a policy feature often overlooked, but essential in shielding your investment. Learn about the depths of this coverage type, demystifying its significance, and empowering you to navigate your policy with confidence.

Do I Need Collapse Coverage?

Collapse coverage protects policyholders from financial losses resulting from the sudden and unexpected collapse of a building or a part of the property. This collapse could be due to various reasons, including structural defects, hidden decay, or other covered perils. Collapse coverage typically comes in two forms: broad and narrow.

Broad Collapse Coverage

Broad collapse coverage offers protection against a wide array of causes, including hidden decay, insect or vermin damage, and weight of contents. This comprehensive coverage ensures that policyholders protect their property from a broad range of potential risks.

Narrow Collapse Coverage

Narrow collapse coverage requires proof of a specific cause, such as fire, explosion, or perils explicitly listed in the policy. This type of coverage is more specific in its requirements, but still offers essential financial protection in the event of a collapse.  

What Does This Look Like in Your Policy?

One fundamental aspect to consider is how your insurance policy defines collapse. Definitions can vary significantly depending on the policy and carrier. While some policies define collapse as an abrupt falling down or caving in of a structure, others may include substantial impairment of structural integrity. Understanding how collapse is defined in your insurance policy is key when it comes to protecting your property.

Covered Causes

We recommend policyholders review the events or perils covered in their insurance policy to assess their level of protection comprehensively. Covered causes may encompass structural defects, insect or vermin damage, the weight of ice, snow, or sleet, and specific natural disasters, among others. By understanding these covered causes, policyholders can better anticipate and mitigate potential risk to their property.

Exclusions

Similar to other insurance coverages, collapse coverage has a set of exclusions that can limit what it will cover. Common exclusions include gradual deterioration, wear and tear, settling, and maintenance related issues. These exclusions highlight the importance of routinely maintaining your property. Being aware of these exclusions allows you to understand the extent of the coverage provided by the policy and any potential gaps that may exist.

Why Your Property Needs Structural Protection

Collapse coverage provides policyholders with financial protection against unforeseen structural failures that could result in significant repair costs. Property owners may face substantial expenses to repair or rebuild damaged structures without this coverage type.

Review Your Policy

To ensure adequate protection, we recommend policyholders carefully review their insurance policies and understand the terms and conditions of their coverage. They should also consider consulting with a qualified insurance professional to assess their coverage needs and make informed decisions. To have your policy thoroughly reviewed by our team of licensed professionals, submit your policy here: https://premier-claims.com/policy-review/

Collapse coverage is a vital component of property insurance, offering protection against unexpected structural failures. By understanding what their insurance policy entails and ensuring they are adequate coverage, policyholders can protect their properties accordingly. Knowing that you’re financially protected in the event of a collapse, is the peace of mind every property owner deserves.