How Expert Testimony Can Transform Your Property Damage Claim

Expert Testimony: The Game-Changer in Property Damage Claims

When a storm wreaks havoc on your property, the last thing you want is your insurance claim to get tangled in a web of technicalities. Yet, when it comes to disputes over the cause of damage, courts and insurance carriers increasingly rely on one powerful tool: expert testimony.

This crucial element can make or break your claim, especially in complex cases like hail damage or structural issues. Let’s dive into what expert testimony is, why it matters, and how it can give you the upper hand in your insurance claim.

What Is Expert Testimony?

Expert testimony is a professional opinion given by someone with specialized knowledge or expertise in a particular field. In property damage claims, these experts might include:

Unlike a contractor’s assessment, which may focus on repair costs, expert testimony provides scientific or technical analysis that courts and insurers trust to establish and support the root cause of damage.

Why Expert Testimony Is Vital in Insurance Claims

1. Credibility in Court

When disputes escalate to legal battles, judges and juries often rely on experts to clarify technical matters. Their testimony generally carries more weight than opinions from lay witnesses, such as contractors or homeowners.

2. Scientific Precision

Experts use tools, data, and methodologies to analyze damage, providing evidence that is difficult for insurers to refute. For example, a forensic engineer might identify patterns consistent with hail impact, ruling out wear and tear as the primary cause.

3. Leveling the Playing Field

Insurers often have their own experts to support claim denials. Having a qualified expert on your side ensures you’re not outmatched when technical arguments arise.

When Do You Need Expert Testimony?

Not every claim requires an expert, but certain scenarios make their involvement indispensable:

The Role of Public Adjusters in Securing Experts

Navigating an insurance claim can feel overwhelming, especially when technical disputes arise. That’s where public adjusters, like Premier Claims, can be a great ally.

Our team collaborates with top-tier experts to:

By combining the expertise of engineers, forensic scientists, and adjusters, we build a strong case that leaves no room for insurers to deny your claim unjustly.

What to Look for in an Expert

If your claim requires expert testimony, here’s what you should expect:

Take Control of Your Claim

The days of relying solely on contractor opinions are behind us. As courts and insurers place more emphasis on scientific evidence, expert testimony has become a non-negotiable asset in many property damage claims.

At Premier Claims, we’ve got the network, the expertise, and the determination to fight for what you’re owed. Don’t let technical disputes derail your claim—let us handle the heavy lifting.

Contact Premier Claims today!

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When Trust Is for Sale

How Insurance Carrier Scandals Hurt Policyholders

Insurance is built on trust. You pay your premiums; in return, you expect your carrier to have your back when disaster strikes. But what happens when that trust is undermined—not by a denied claim but by insurance carrier corruption at the highest levels?

The Allegations That Shocked the Industry 

A case involving State Farm and a billion-dollar lawsuit has revealed the dark side of insurance carrier scandals, showing just how far some companies will go to protect their profits.

According to a report by FindLaw, State Farm “allegedly gave campaign donations to Judge Lloyd Karmeier during one of the nation’s most expensive judicial races in 2004.” What followed is even more alarming. Judge Karmeier went on to win his seat on the Illinois Supreme Court and cast a deciding vote to overturn a $1 billion verdict against the insurer just a year later. 

At the time, State Farm claimed it had raised $350,000 for Karmeier’s campaign. However, FindLaw highlights that “an FBI investigation discovered that State Farm donated between $2.4 and $4 million.” This revelation has since led to allegations of fraud and a class-action lawsuit against the company. 

Adding to the controversy, Allstate’s Chief Executive Officer, Thomas Wilson, made his company’s priorities crystal clear. As reported by Clark Law Firm, Wilson said, “Our obligation is to earn a return for our shareholders.” This statement echoes the industry’s focus on profits, sometimes at the expense of fairness and justice, a sentiment that resonates through other troubling corporate actions.

What This Means for Policyholders

This case isn’t just about judicial ethics but the balance of power. For policyholders, it raises uncomfortable questions:

Ashley Balsbaugh, Associate Counsel at Premier Claims, explains, “In a day and age where industry corruption remains a prevalent issue, it is so incredibly important that property owners arm themselves with as much claim support as possible to overcome any unfair biases or preferences reinforced in the political realm.”

Why You Need an Advocate

At Premier Claims, we know stories like this aren’t isolated incidents—they’re symptoms of a system that often prioritizes profits over people. While not every case involves multimillion-dollar campaign donations, the underlying principle is the same: policyholders need someone in their corner to demand fairness and accountability.

We work to level the playing field, helping property owners navigate the complex claims process and ensuring they receive the settlements they owe. 

This case serves as a reminder that the fight for fair treatment doesn’t end with your insurance policy—it extends to the courtroom, the claims process, and beyond. At Premier Claims, we take that fight seriously. 

If you’re dealing with an underpaid or denied claim, you don’t have to go it alone.

Contact our team today! 

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Nebraska’s Property Insurance Crisis

Nebraska’s Property Insurance Crisis

How Hailstorms and Tornadoes are Driving Premiums Through the Roof 

Nebraska’s weather can be downright relentless. With tornadoes and hailstorms frequently appearing each season, the aftermath often leaves property owners grappling with soaring insurance premiums. While we can’t ignore the power of Mother Nature, do insurers really need to pass every last cent of their costs onto you? Spoiler alert: they don’t.

The Storms Aren’t Slowing Down

Nebraska has always been a storm-prone state, but in recent years, the frequency and intensity of hailstorms and tornadoes have hit record highs. The Center for Disaster Recovery stated, “As of September 18, 2024, there have been 1,437 confirmed tornadoes.” Nebraska ranks among the “top five most impacted regions, alongside Iowa, Texas, Missouri, and Oklahoma,” as reported by 11 Alive. Hailstorms, notorious for causing costly damage to roofs, vehicles, and properties, have also been relentless. Since 2020, Nebraska has averaged 50 days of severe hailstorms each year, one of the highest in the nation.

What Does This Mean for Your Insurance Premiums?

Insurance carriers justify premium hikes by pointing fingers at these natural disasters, but is that the whole story? Nebraska Public Media spoke with Chip Bullock, an agent in central Nebraska, who “said he’s seen premiums increase rapidly in the last few years, by between 10% and 40%.” Insurers claim it’s all due to the high number of storm-related claims. But here’s the kicker: while storm frequency is up, insurers are also racking profits by leveraging reinsurance and passing costs along to you. It doesn’t stop there—many carriers are notorious for using delay, deny, and defend tactics to avoid paying out claims altogether. 

The Passive-Aggressive Reality of “Risk Management”

Let’s be honest. Insurance carriers love to talk about “risk” when it comes to raising your rates. Yet, when you file a claim, they’re suddenly not so generous, are they? It’s almost as if they prefer collecting premiums without paying out. According to experts, insurers have a history of using reinsurance policies that protect them—not you—from catastrophic losses. So, while you’re paying more, they’re quietly pocketing their share. 

Make the Most of Your Policy

So, what should a Nebraska property owner do in the face of skyrocketing premiums? Well, start by evaluating your current policy. Many property owners are underinsured, but unfortunately, insurance carriers won’t volunteer that information.

Some insurance carriers have begun to exclude wind coverage, which could be a significant setback for Nebraska policyholders. To make matters worse, Insurance carriers aren’t communicating this coverage change when they send out policy renewals, leaving it up to the policyholder to read through their policy to ensure they know exactly what they’re signing up for. Unfortunately, this critical detail is often overlooked, leaving many policyholders underinsured and caught off guard when it matters most.

We recommend reviewing your policy annually to ensure your property is adequately protected. Submit your policy for a free review today! Our team will identify gaps in your coverage and help you find a policy to protect you when disaster strikes.  

The (Not So) Transparent Insurance Industry

Here’s where the gloves come off. Despite their endless justifications, insurance carriers aren’t hurting. Many are seeing record profits—and yet premiums continue to rise. The property and casualty insurance industry made a “record $88 billion in profits in 2023. In Q1 2024, profitability continued to surge, reaching $39 billion in one quarter alone,” the Illinois Trial Lawyers Association reported. So, the next time your carrier leaves you to believe they simply don’t have the means to help, remember—you’re padding their bottom line. 

Don’t just Weather the Storm—Fight Back!

Nebraska property owners deserve better. The ongoing storm cycles may be uncontrollable, but unchecked insurance premiums don’t have to be. Start by taking control of your policy and working with professionals who have your back. Because let’s face it: your insurance carrier? Not so much. 

Submit your policy for review today!

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Surviving Hurricane Helene and Bad Faith Tactics

What You Need to Know About Insurance and Bad Faith Tactics

In the wake of Hurricane Helene, thousands of families are still displaced, uncertain of when—or if—they’ll be able to return to their homes. With homes flooded, roofs torn off, and belongings destroyed, the path to recovery is overwhelming. Many are still waiting to hear about loved ones, while others have only just begun the daunting process of gathering what remains to file insurance claims.

While you focus on your family’s safety and rebuilding your life, it’s vital to be aware of a harsh truth: not all insurance carriers will treat you fairly. This blog is here to help you navigate the claim process, protect your rights, and avoid falling victim to bad faith tactics used by some insurers.

What Is “Bad Faith,” and Why Should You Care?

Bad faith refers to deceitful practices by insurers who, rather than honoring the terms of your policy, choose to delay, deny, or underpay your claim. In the aftermath of Hurricane Helene, these tactics can slow down the recovery process at a time when you need immediate assistance. After enduring such a loss, the last thing you expect is for your insurance provider to offer a settlement that barely covers the damage. Yet, many victims are shocked when they receive an offer that feels like a slap in the face. If this sounds alarming, it’s because these strategies are all too common. Knowing what to watch for is your first line of defense.

Steps to Protect Yourself as You Start Filing Your Claim

If you’re just beginning to gather the items you need for your insurance claim, being aware of the possibility of bad-faith tactics is critical. Here’s how to approach the process carefully and protect yourself:

1. Document Everything Thoroughly

As you begin your claim, take detailed photos and videos of the damage—if and when it’s safe to do so. Thorough documentation will support your claim, whether it’s a collapsed roof, waterlogged furniture, or shattered windows. If possible, keep all receipts for emergency repairs, temporary housing, or any other related expenses.

Insurance carriers may try to dispute the extent of your loss. Having comprehensive documentation can help you counter any attempts to undervalue your claim.

2. Be Wary of Early Settlement Offers

Once you file your claim, your insurer may try to offer a quick, lowball settlement. This may seem tempting—especially if you’re displaced and need immediate assistance—but these offers often fall far below what your policy entitles you to receive. You don’t have to accept the first offer. Taking the time to review and negotiate can prevent you from being shortchanged.

As our Client Specialist MaKayla Fountain explains, “I’ve experienced many cases where the carrier has bullied the insured into settling the claim or settling for less. They threaten to drop the policy or raise the insured’s premiums. They put a lot of fear into the insured.” This fear often drives policyholders to accept offers that don’t come close to covering their losses.

It’s crucial to take a step back, understand your rights, and not let fear drive your decision.

3. Understand Your Policy

Before you file, review your insurance policy to understand what’s covered and what’s not. Many homeowners are unaware of certain exclusions or limitations, which can lead to surprises down the line.

Insurers may use complicated language or fine print as a shield, denying claims that are otherwise valid. Knowing your coverage helps you argue against such tactics.

4. Stay Persistent, Even When They Delay

If your insurer is slow to respond or repeatedly asks for unnecessary paperwork, don’t give up. These are classic bad-faith moves designed to wear you down. Keep communication records—emails, phone call logs, etc.—to demonstrate your compliance and persistence.

Delays can work to the insurer’s benefit. By documenting their lack of action, you can push back and even build a case for bad faith, should the issue escalate.

How to Spot the Signs of Bad Faith

As you navigate the claim process, keep an eye out for red flags. Insurers often employ tactics designed to frustrate policyholders into settling for less:

1. Unexplained delays

If weeks go by without an update or if your adjuster keeps disappearing, this could be a delay tactic.

2. Repeated requests for more documentation

While it’s normal to submit basic documents, such as proof of loss or receipts, multiple or irrelevant requests might signal bad-faith behavior.

3. Sudden changes in your policy’s interpretation

If your insurer starts interpreting policy terms in ways that seem unfair, unusual, or contradictory—they may be trying to reduce your payout unjustly. 

If you notice these signs, it might be time to bring in outside help.

Why a Public Adjuster Could Be Your Best Ally

During this difficult time, your insurance carrier should be your partner in recovery—but as we’ve discussed, that’s not always the case. A public adjuster works for you, not the insurer, helping to ensure your claim is handled fairly and accurately.

As Joey Cafaro, Senior Desk Adjuster, explains, “After significant damage, policyholders naturally focus on recovery, often overlooking the need to protect themselves, which can lead to underpaid, delayed, or denied claims. Consulting with a public adjuster early on protects their interests from the start. As experts, we thoroughly document all aspects, understand industry cost standards, and navigate policy details that can impact coverage. While policyholders juggle jobs and families, our full-time role is to combat insurance carrier delays, aiming to ensure claims are settled fairly and promptly.”

Leveling the playing field

Insurers have teams of adjusters and lawyers protecting their interests—and you should, too. A public adjuster is your advocate, ensuring your claim is not undervalued or unjustly delayed.

Expert knowledge of insurance

With a public adjuster on your side, you can rely on their knowledge of the industry, understanding of bad faith tactics, and ability to fight for the settlement you deserve.

The road to recovery after Hurricane Helene is long and uncertain. Filing an insurance claim during such a chaotic time can feel overwhelming. However, understanding the possibility of bad-faith tactics will help protect you. Keep track of your documents, stay persistent, and never hesitate to ask for help from a public adjuster if you feel your insurer isn’t acting in your best interest.

Bad faith tactics shouldn’t stand in the way of rebuilding your life. If you’re still waiting for your claim to process, or if your insurer hasn’t provided the assistance they promised, remember—you have the right to fight back.

Contact Premier Claims today to set your claim up for success!

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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 & Milton: Lessons from the Past

In the wake of the recent destruction from hurricanes, 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 and Milton’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 & Milton? 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 a Hurricane:

  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 and Milton: Prepare for a Fight

As we watch more hurricane 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 or Milton, contact Premier Claims today. You don’t have to go through this alone.

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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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Premier Claims: Your Trusted Public Adjuster

So, you’ve danced with the devil before, huh? We get it. But before you swear off public adjusters forever, let’s talk about why Premier Claims is the antidote to your past nightmares and the public adjuster you can trust.

Who Can You Trust?

Trust is a rare gem in the insurance world, but with Premier Claims, it’s our currency. We’re not your run-of-the-mill adjusters. Picture us as the Avengers of insurance claims, swooping in to save the day. Our squad of seasoned and licensed professionals knows the game better than most. With us, your claim isn’t just a file— it’s a mission. 

The Dark Side of DIY

Now, let’s talk about the alternative: going solo. It’s like wandering into the lion’s den armed with a toothpick. Insurance carriers have armies of their own adjusters trained to sniff out your policy’s weakness and exploit it. You’re playing a dangerous game of chance without a heavyweight like Premier Claims in your corner. It’s not just about money; it’s about your sanity. Don’t risk losing both to the insurance sharks. 

Your Captain America Shield

What makes Premier Claims the cream of the crop? Simple—our dedication to your cause. We don’t just push papers and play nice with insurers. We’re your warriors, fighting tooth and nail for every penny we think you’re owed. From the opening of your claim, we’re by your side, navigating the treacherous waters of insurance claims with you. Consider us your lifeline in the storm, your beacon of hope when all seems lost. 

DON’T ROLL THE DICE—CHOOSE PREMIER CLAIMS

So, before you wave the white flag on public adjusters, give Premier Claims a shot. We’re not here to sugarcoat or spin tales. We’re here to get you results, plain and simple. Contact Premier Claims today, and let’s turn your claim nightmare into a victory dance.

Remember, in the game of insurance claims, there’s no room for amateurs. Choose Premier Claims, the public adjuster you can trust, and let’s win this together. 

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Virtual Property Monitoring: Proactive Protection

Protecting your commercial property goes beyond mere vigilance; it requires a proactive approach that anticipates and mitigates potential risks. Premier Claims understands the paramount importance of protecting your investments. That’s why we proudly offer cutting-edge virtual property monitoring services.

What is Virtual Property Monitoring?

Virtual property monitoring represents a paradigm shift in risk management for commercial property owners. Furthermore, by harnessing cutting-edge technology and real-time data analysis, this system provides continuous surveillance of your property’s surroundings. From tracking storm movements to assessing environmental conditions, virtual property monitoring offers unparalleled insight into potential threats. Ultimately, enabling proactive decision-making and risk mitigation strategies. 

Enhanced Safety Measures

One of the primary advantages of virtual property monitoring is its ability to enhance safety measures for commercial properties. By continuously monitoring weather patterns, this system enables property owners to address vulnerabilities before they escalate into major issues. From strengthening structural integrity to implementing emergency response protocols, virtual property monitoring empowers property owners to create a safer and more resilient environment for tenants and employees alike. 

Optimized Risk Management

Effective risk management is essential when protecting the longevity of a property. By providing valuable data and insights, virtual property monitoring allows property owners to make informed decisions. By analyzing historical weather patterns and forecasting future events, property owners can identify high-risk areas and implement targeted interventions to reduce exposure and protect their assets. 

Timely Alerts and Response

When you collaborate with Premier Claims, our commitment to your property extends far beyond the point of restoration. Our dedicated team continuously and remotely monitors your property, providing an extra layer of protection and vigilance. This persistent care means that if a storm meeting certain parameters were to impact your property, we immediately alert you of a potential new Date of Loss and our team is prepared to act. Upon detection, our dedicated team notifies our clients, informing them of the potential loss producing event and schedules comprehensive damage assessments. 

Premier Claims Partnership

In the unfortunate event of property damage, navigating the claims process can be daunting for commercial property owners. At Premier Claims, we commit to providing seamless support and guidance every step of the way. Our Licensed Public Adjusters are on hand to conduct damage assessments, work with insurance carriers, and fight for you to receive the full compensation owed to you. Furthermore, with our expertise and dedication, we actively protect your interests, allowing you to focus on rebuilding and recovery.

When you choose Premier Claims, you’re partnering with a team that is dedicated to your long-term success. With our experience, technology, and commitment to service excellence, you can trust us to keep a watchful eye on your property and keep you apprised of any potential issues that may arise.

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Will My Insurance Premiums Go Up?

A hailstorm hits your area, leaving a trail of damage in its wake. Amidst the chaos, you’re left wondering about the aftermath, not just in terms of property damage but also the looming uncertainty of insurance premiums. Will your premiums go up if you seek professional help in navigating the claims process?

Understanding Insurance Premiums

Insurance carriers assess several factors when calculating premiums. This includes the likelihood of future claims and the overall risk associated with insuring a property. However, it’s important to note that insurance carriers cannot legally raise premiums solely due to an Act of God, such as a hailstorm, flood, or hurricane.

Factors Influencing Premium Increases

Insurance carriers may increase premiums based on two primary factors:

Fault of the Policyholder

Premiums may increase if the policyholder is deemed at fault for the property damage. For example, if a policyholder recklessly drives a vehicle into their building, resulting in damage, the insurance carrier may raise premiums to reflect the increased risk associated with insuring the property. 

Catastrophe Area

Premiums may also increase if the property is located in a “Catastrophe Area.” This designation typically applies to regions affected by severe storms, such as hurricanes or tornadoes. Areas where severe storms cause multiple claims to be filed in the area. In such cases, insurance carriers may raise rates for all policyholders in the affected area to help mitigate the financial impact of widespread damage. 

The Role of Public Adjusters

Public adjusters play an important role in the insurance claims process. These professionals advocate for policyholders and assist in navigating the complexities of filing insurance claims. Contrary to common misconceptions, hiring a public adjuster should not inherently cause insurance premiums to increase. 

Public adjusters work tirelessly to fight for policyholders to receive fair and equitable compensation for their losses. They possess in-depth knowledge of insurance policies and regulations. This allows them to negotiate effectively with insurance carriers on behalf of the policyholder. By leveraging their skills, public adjusters strive to earn the best settlement possible for a claim, in turn expediting the claims process. To learn more about the role a public adjuster can play in your claim, read our blog: What is a Public Adjuster?

Connect with Premier Claims

If you’re considering hiring a public adjuster or have questions about your insurance premiums, our team at Premier Claims is here to help. We comprehend the complexities of the insurance industry and pledge to serve as a trusted resource for policyholders. Contact us today for an inspection or to have your policy reviewed by our experienced team. 

Working with a public adjuster should not result in an increase in insurance premiums. Insurance carriers primarily base premium adjustments on factors such as fault and Catastrophe Area designations. Public adjusters play a vital role in advocating for policyholders. Don’t hesitate to seek assistance from our team at Premier Claims, we’re here to support you every step of the way.

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