Contractor Estimate vs. Carrier Estimate: Why Both Matter

Why Your Insurance Estimate Isn’t Enough: The Power of a Contractor’s Estimate

You might be thinking: “Why should I bother getting a contractor estimate when my insurance carrier is going to provide me one anyway?” It’s a fair question. After all, your insurance carrier is paying the claim, right? So why not trust their estimate?

Here’s the thing—while the insurance carrier’s estimate is a starting point, it’s not always the most accurate reflection of what your repair costs will actually be. Getting an estimate from a contractor gives you a clearer picture of the actual costs and strengthens your position in negotiations. When you have detailed breakdowns from a professional who will do the repair work, you gain leverage to challenge lowball offers. It’s a strategic move to help put you in control rather than leaving everything up to the insurance carrier.

Estimate:

A detailed list of damages and cost to repair each item. Estimates can be written by Premier Claims, a contractor, or the insurance carrier (and oftentime, all three).

The Carrier Estimate: What Your Insurance Thinks

Your insurance carrier will provide an estimate based on their damage assessment. However, this estimate is often lower than the actual cost of repairs. Keep in mind that your carrier’s primary interest is to payout the least amount possible in a claim—not ensuring you receive every dollar needed for complete restoration. They may rely on outdated pricing models, overlook hidden damage, or apply policy limitations that conveniently reduce the scope of work documented.

The Contractor Estimate: What the Repairs May Cost

Your contractor’s estimate should more accurately reflect the real-time materials, labor, and project scope costs. This estimate is often higher than the carriers because it accounts for actual market rates, code upgrades, and any unforeseen damages that become apparent during repairs.

Why Both Estimates Matter

At Premier Claims, we use the contractor’s estimate as a critical tool in the negotiation process with your insurance carrier. While the carrier’s estimate provides a baseline, it often falls short of covering the full cost of repairs. A contractor’s estimate reflects real-world pricing—accounting for labor, materials, code upgrades, and hidden damages—which helps establish the value of your claim.

Without both the carrier’s and contractor’s perspectives, you might miss out on the full compensation needed to repair your property appropriately. The contractor’s estimate highlights gaps in the insurance carrier’s assessment, aiming for nothing to be overlooked. Having this documented cost of repairs can strengthen your case and increase the likelihood of a fair claim resolution. 

Gather Negotiation Tools

The stronger your evidence, the stronger your case—this is how we push back against lowball offers and fight to ensure you have the funds needed to properly restore your property. Navigating insurance claims can be overwhelming, but you don’t have to go it alone.

Premier Claims is here to advocate for you!

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Public Adjuster Near Me: Things to Look for and Consider

Recovering from the devastation of storm damage is a complex process, and having a reliable public adjuster by your side can make all the difference. The aftermath of a natural disaster is overwhelming, especially when it comes to dealing with insurance claims. Partnering with a public adjuster who understands the challenges you face and tailors them to you and your property’s needs helps streamline the claims process. Moreover, a public adjuster is your advocate, equipped with the expertise and knowledge to navigate the intricate landscape of insurance policies. Their partnership allows you to better equip yourself to fight for a fair settlement, enabling you to rebuild and restore your life. Now, you may be asking, how do I find a public adjuster near me?

Top 5 Things to Look For in a Public Adjuster

1. Verify Licensing & Accreditation

Ensure the public adjuster you consider is licensed and accredited by the relevant regulatory bodies. This accreditation validates their expertise and adherence to industry standards, providing you with confidence in their professionalism.

2. Evaluate Experience & Specialization

Look for an adjuster with a proven track record in handling various types of damages, such as water damage, hail damage, fire damage, and hurricane damage. Specialization in specific areas ensures they possess the expertise needed to handle your unique situation effectively.

3. Transparency & Trustworthiness

Transparent communication about fees, the claims process, and the expected timeline are essential. Furthermore, a trustworthy public adjuster maintains open and honest communication, ensuring you are well informed at every step.

4. Check Client Testimonials and Reviews

Reading testimonials and reviews from previous clients provides valuable insights into the adjuster’s reputation and the satisfaction of their clients. Premier Claims takes pride in its positive client feedback, reflecting our commitment to excellent service and successful outcomes.

5. Investigate Communication & Availability

Effective communication is key to a successful partnership. Evaluate the adjuster’s responsiveness and availability. Premier Claims ensures that our team is readily available to address your concerns and provide updates, offering you peace of mind during the claims process.

Why Choose Premier Claims?

At Premier Claims, our expertise goes beyond mere professional qualifications. Our team, consisting of industry veterans with advanced certifications and ongoing education, ensures we stay ahead of industry trends and policy changes. A public adjuster with a fully equipped team of professionals can significantly impact the outcome of your claim for the better. Premier Claims is dedicated to surpassing industry standards by incorporating innovation, technology, and a meticulous claim management process. Our six-step process is committed to delivering unparalleled results and safeguarding your interests at every stage. Certain states may have regulations that determine the services a public adjuster may provide. Our process and services we are able to provide will be based on the state regulations. To learn more, visit our Public Adjuster Legal Disclaimer. When you choose Premier Claims, you benefit from:

Expert Knowledge & Continuous Education

Our professionals hold advanced degrees and certifications, constantly updating their skills to navigate the ever-evolving insurance landscape effectively.

Tailored Strategies for Maximum Results

We understand the uniqueness of each case. Consequently, our team creates customized strategies, attempting to maximize your settlement based on the intricacies of your specific situation.

Supporting You Beyond the Claim

Our team actively offers personalized policy guidance, addresses industry inquiries, and commits to providing you with tailored support. We’re here to ensure your peace of mind extends beyond the claims process, offering expertise and assistance whenever you need it.

Your journey to reclaiming your life after storm damage begins with choosing the right public adjuster. Moreover, Premier Claims combines expertise, integrity, and a genuine commitment to your well-being. Contact Premier Claims today to discover how we can help you and your property!

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The Impact of the 2024 Hail Season on Insurance Premiums

2024 felt like a scene out of a disaster movie for property owners across the United States. Relentless hailstorms—with some producing record-breaking hailstones over six inches in diameter—battered properties and overwhelmed insurers. While the physical damage was evident, the financial fallout, particularly rising insurance premiums, continues to burden property owners.

Here’s how the 2024 hail season reshaped insurance premiums and what property owners need to know.

2024 Hailstorms by the Numbers: The Devastation in Context

The 2024 hail season left billions of dollars in damages in its wake. NOAA’s preliminary data highlights that hailstorms in key states, including Texas, Nebraska, and Oklahoma, caused significant destruction. Texas alone reported hailstones exceeding 6.4 inches in diameter during a May storm—one of the largest hailstones recorded in the U.S. this year.

In Nebraska, hailstorms ravaged both urban and rural areas, with agricultural losses compounding property damage costs. Nationwide, damages from hail-related storms contributed significantly to the year’s $23 billion in insured severe storm losses.

The sheer volume of claims has not only stressed insurance carriers but also prompted discussions about how to price future risks effectively. To learn more about how the increase of natural disasters has been impacting premiums, read our full blog: Is Insurance A Fading Safety Net?

Why Are Premiums Rising After the 2024 Hail Season?

The connection between hailstorms and rising premiums isn’t new, but the 2024 season has pushed insurers to adopt even stricter measures. Here’s why:

1. Unprecedented Claims Payouts

With 2024 producing some of the largest hailstorms on record, insurers faced an overwhelming volume of claims. NBC News reported, “So far this year in the U.S., thunderstorms have been responsible for about $61 billion in economic losses, according to Bowen. Hail was likely responsible for between $31 billion and $49 billion of that total. In the same period, tropical storms and flooding together have accounted for $14 billion in losses.”

2. Rising Repair Costs

The cost of repairs has surged, fueled by inflation and material shortages. Roofing materials, a frequent victim of hail damage, saw price increases of over 20% in 2024, while labor shortages consequently slowed repair times. These factors have driven up claim costs, prompting insurers to adjust premiums accordingly.

3. Advanced Risk Modeling

Insurers are relying on updated climate models that predict increasingly severe hailstorms in the future. These models influence underwriting practices, resulting in higher premiums for properties in hail-prone regions. Even though hailstorms “cause more monetary damage annually than tornadoes, on average, research on the former had stalled until recent advances in radar and weather modeling,” Evan Bush, NBC News. Several institutions plan to conduct field studies around hailstorms and their growing intensity.

How Premium Hikes Are Affecting Property Owners

Property owners in hail-prone areas are already feeling the financial sting. Texas consistently leads the nation in billion-dollar weather disasters, driving property insurance costs to unprecedented levels.

 

To find out if there are any gaps in your coverage, submit your insurance policy for review today!

What Can Homeowners Do to Navigate These Changes?

While rising premiums are challenging, property owners can take proactive steps to help mitigate the financial impact, for example:

1. Invest in Impact-Resistant Materials

Opting for impact-resistant shingles or metal roofing can qualify homeowners for discounts. These materials reduce the likelihood of severe hail damage, lowering the risk for insurers.

2. Conduct Regular Policy Reviews

Regularly reviewing your insurance policy with a qualified professional can help identify coverage gaps and potential savings. This ensures you’re adequately protected at the least amount of cost possible.

3. Work with a Public Adjuster

If your property sustains hail damage, consider working with a public adjuster like Premier Claims. Public adjusters can help maximize your settlement and help ensure you’re compensated fairly for all damages.

4. Advocate for Legislative Action

Collaborating with state governments to establish reinsurance programs or stabilization initiatives can help mitigate premium hikes for hail-prone communities.

A Glimpse into the Future: Will 2025 Be Any Better?

Early forecasts suggest that 2025 may bring similar challenges, with weather models predicting another active hail season. Property owners can take proactive measures now, from upgrading roofing to revisiting their insurance policies, to prepare for the next round of storms.

The 2024 hail season underscored the need for property owners to stay informed and proactive. Rising insurance premiums are a direct response to the staggering costs of hail damage, but there are steps you can take to minimize the financial burden. Whether it’s through impact-resistant upgrades, policy reviews, or public adjuster services, preparation is key to weathering the storm—both literally and financially.

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How Climate Drives Insurance Rates and Property Damage

How Climate Drives Insurance Rates and Property Damage

Weathering the Unexpected

In the wake of recent storms, many property owners are realizing how unpredictable the weather—and their insurance coverage—can be. Severe weather events are becoming more frequent and more destructive, pushing property owners and insurers to the brink of financial strain. Understanding the relationship between climate risks and property insurance premiums is crucial for anyone looking to protect their property and finances best. 

The Increasing Frequency and Severity of Natural Disasters

It’s no secret natural disasters are occurring more frequently. According to the National Oceanic and Atmospheric Administration (NOAA), the U.S. experienced 18 weather-related disasters in 2022, each causing at least $1 billion in damage, tying 2022 with 2011 and 2017 for the third-highest number of such events. This continues a trend of increasing disaster frequency and severity driven by factors like higher temperatures and extreme weather events.

The Impact of Climate Risks on Property Insurance Costs

Areas prone to natural disasters, such as hurricanes, wildfires, and tornadoes, are seeing significant increases in their insurance premiums. The Insurance Information Institute (III) reports that average home insurance premiums have risen by about 7% annually since 2017. The New York Post reported, “At $11,759, Florida has the highest average home insurance in the nation. In 2023, Floridian homeowners paid an average of $10,996 for coverage.” States like Nebraska, Oklahoma, and Louisiana also experience high insurance costs due to their exposure to tornadoes and hailstorms. 

The Cost of Rebuilding is Rising

One of the primary reasons for rising insurance costs is the increasing cost of rebuilding homes after disasters. According to the National Association of Home Builders (NAHB), “Building materials prices are up 19.2% year over year and have risen 35.6% since the start of the pandemic.” This increase, paired with labor shortages, is driving up insurance premiums as insurers adjust for the higher claims payouts required for repairs. 

Credit Scores—An Overlooked Factor in Insurance Premium Rates

Beyond the risks of the climate driving insurance rates, your credit score plays a surprisingly large role in determining your insurance rates. Insurers often use credit-based insurance scores to assess the likelihood of filing a claim. Nerd Wallet found “that a person with good credit would pay $1,915 per year for homeowners insurance, on average. But in most states, someone with poor credit would see an average premium of $3,320 per year — more than 73% more.” This factor means that even if you live in a lower-risk state, a low credit score can still result in significantly higher premiums.​

Documenting Damage is Essential for Claim Success

When disaster strikes, your ability to document damage could be the difference between a fair payout and being left to shoulder repair costs on your own. Claims are often underpaid or denied due to poor documentation. Insurance carriers often seek ways to minimize payouts when evidence is lacking. Our team is here to help you set a strong foundation for your claim—starting with proper and thorough documentation. Contact our team today for claims assistance!

Push for Fair Treatment

Many property owners don’t realize that they can negotiate their insurance claims. A significant number of people who accept their insurer’s first settlement offer end up with less than the full value of their claim. This is where public adjusters come in. A public adjuster represents the policyholder—not the insurer—and can help fight for you to receive the payout you’re entitled to per your policy. They are skilled at negotiating with insurance carriers and often help policyholders recover more than they would on their own.

Planning for the Future

The rising cost of insurance and increasing frequency of natural disasters means property owners need to take a proactive approach to protecting their property. Understanding how local climate risks, insurance regulations, and economic trends impact your premiums will help you make better decisions. Consider reviewing your policy annually and consult with professionals to ensure you have adequate coverage for the specific risks in your region. 

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How Can a Public Adjuster Help with Your Hurricane Helene Claim?

Public Adjusters Are Your Trusted Ally

After a devastating event like Hurricane Helene, the last thing you want to deal with is the labyrinth of insurance claims. It can feel like navigating through a maze blindfolded—frustrating and, quite frankly, exhausting. That’s where a public adjuster, like those at Premier Claims, comes in. Think of us as your personal guide, helping you understand your rights, make the most of your claim, and stand up to those pesky insurance carriers who often try to take advantage of you. 

Comprehensive Damage Documentation—More Than a Checklist

When the storm clears, it’s essential to capture every nook and cranny of the damage—this is not just about broken windows or missing shingles. A skilled public adjuster meticulously documents all damages and potential recoverable losses, including things you might not even think about, like hidden water damage or structural issues. They utilize advanced tools and techniques to provide a clear picture, attempting to ensure that no detail is overlooked. This thorough documentation sets a solid foundation for your claim.

In-Depth Policy Review

Before diving into the claims process, understanding the policy is crucial. Our legal team will dissect your insurance policy with laser focus, checking for coverage limits, deductibles, and exclusions that could impact your claim. They’ll highlight the fine print that often gets ignored, determining exactly what’s covered and what isn’t. This knowledge is power, and it’s your best defense against any surprises down the line. To submit your insurance policy for a complimentary review, fill out the following form: https://premier-claims.com/policy-review/

Understanding Your Claim’s True Value

Let’s be honest: insurance jargon can feel like a foreign language. What’s the real value of your claim? A public adjuster translates that complexity into understandable terms, helping you see the full picture. Our team will review your policy and look for key things to tie to your property’s damage. They’ll conduct a detailed assessment of your losses and repairs, fighting for your right to a fair payout. This clarity not only empowers you but also prevents insurance carriers from pulling a fast one.

Public Adjusters Handle All Communications

The paperwork that follows a disaster can feel like it’s piling up faster than your to-do list. A public adjuster takes the headache out of managing forms, claims, and deadlines. They know the ins and outs of the process and will handle the administrative tasks, allowing you to focus on more pressing matters—like finding a safe place to sleep or regrouping with your family. They’re your safety net, catching all the details that could slip through the cracks.

Speak Directly with Your Insurance Carrier

Have you ever tried to get a straight answer from your insurance carrier? It can feel like talking to a brick wall. Your public adjuster will act as your liaison, managing communications with your insurance carrier. This means you won’t have to endure endless hold music or baffling conversations. They ensure your concerns are heard, documented, and addressed, streamlining the process and hopefully reducing your stress.

Experienced Negotiation Skills

Negotiating with insurance adjusters can feel like David vs. Goliath, especially if you’re going in without the right expertise. A public adjuster brings invaluable negotiation skills to the table, advocating for you and your interests. They know the tactics insurance carriers use to minimize payouts, and they won’t back down until they’ve explored every option—fighting for you to receive the compensation you need to restore your property adequately.

Protection Against Bad Faith Tactics

Sadly, not all insurance carriers play fair. Some may resort to bad faith tactics, like delaying your claim or offering significantly lower settlements. A knowledgeable public adjuster is your advocate, protecting you from these unfair practices and aiming for you to be treated with the respect and fairness you deserve. They’ll keep a watchful eye on the process and challenge any unjust actions from the insurer.

You Deserve More Than Just a Band-Aid Solution

At the end of the day, your public adjuster isn’t just there to get you a quick payout—they’re dedicated to getting your property restored to its pre-loss condition. They’ll fight for the comprehensive repairs and support you need, helping to ensure that your property is not just fixed, but truly restored. Hurricane Helene doesn’t get the last laugh, and neither should your insurance carrier. 

Why Partner with Premier Claims After Hurricane Helene?

Recovering from Hurricane Helene is not just about rebuilding your property; it’s about reclaiming your peace of mind. A public adjuster can be your trusted ally in this journey, navigating the complexities of insurance claims and advocating for your best interests every step of the way.

Ready to Reclaim Your Recovery?

If you’re feeling overwhelmed after Hurricane Helene and need a guiding hand, contact us today. Our experienced public adjusters are here to help you maximize your claim and restore your property so you can move forward with confidence.

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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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Does My Property Have Storm Damage?

Don’t Underestimate the Storm: Why Your Property Needs a Damage Assessment

The “It Wasn’t That Bad” Trap

It’s a common reaction: “The storm wasn’t that bad; I don’t think I’ll have much damage.” Many property owners, after experiencing what seems like a minor storm, tend to dismiss the need for a damage assessment. However, this mindset can lead to more significant issues down the line. Ignoring potential damage can turn minor problems into costly repairs. Here’s why you should always consider a professional damage assessment, even if the storm didn’t seem severe. 

The Hidden Dangers of “Minor” Storms

Not all storm damage is immediately visible. While your property might look unscathed, hidden damage can lurk beneath the surface. Small leaks can develop into significant water damage, minor cracks can expand, and what seems like a tiny dent can compromise the structural integrity of your roof. 

Water Damage: The Silent Destroyer

Water damage is one of the most insidious issues that can stem from a storm. A tiny leak might not seem like a big deal, but over time, it can lead to mold growth, rot, and severe structural damage. According to the Insurance Information Institute, water damage claims are among the most common and costly types of property owner insurance claims. 

Structural Compromise

Even a seemingly insignificant storm can weaken your property’s structural integrity. Minor damage to your roof, windows, or foundation can worsen over time, especially with repeated exposure to the elements. It’s essential to address these issues early to prevent more severe damage and higher repair costs. 

The Importance of a Professional Damage Assessment

A professional public adjuster has the expertise to identify a multitude of types of damage, potentially even hidden damage. A public adjuster can obtain a comprehensive assessment of your property’s condition, thereby helping you file a more accurate and timely insurance claim. This proactive approach can save you time, money, and stress in the long run. To learn more about what happens during a damage assessment, watch our full video: What is a Damage Assessment?

Expertise and Experience: Why DIY Isn’t Enough

While it may be tempting to assess the damage yourself, even the most vigilant property owners can overlook critical issues. Public adjusters and professional inspectors bring years of experience to the table, spotting damage that may not be apparent to the untrained eye. They know what to look for, from the most minor signs of water intrusion to subtle structural shifts that could indicate a larger problem. 

Move Forward with Confidence

Opting for a professional damage assessment after any storm, no matter how minor it seems, provides peace of mind. You’ll have a better understanding of your property’s condition, and if there is damage, you’ll be able to address it promptly before it escalates. This proactive step can also simplify the insurance claim process, helping to ensure that you receive the coverage you’re entitled to without any surprises down the line.

The Cost of Complacency

Skipping a damage assessment might save you time and money in the short term, but the long-term costs can be significant. By the time damage becomes apparent, repairs are likely to be much more expensive. Additionally, delayed claims can lead to disputes with your insurance carrier, potentially reducing the payout or extending the claims process. 

Don’t Gamble with Your Property

In the aftermath of a storm, your property’s well-being isn’t something to gamble with. The risks of hidden damage far outweigh the perceived inconvenience or cost of a professional assessment. Protect your investment, and make sure that even the “minor” storms don’t lead to major headaches. 

Schedule Your Damage Assessment Today

Don’t wait for the damage to become a significant problem— or for it to be too late. Schedule a professional damage assessment today and ensure your property is in the clear. Whether it’s a minor storm or a major one, your property deserves the best care possible. 

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Aftermath of a Storm: Key Steps to Take

Facing the aftermath of a storm can be a daunting experience. But when it comes to safeguarding your property and filing an insurance claim, it’s essential to have a clear plan of action. Below is a guide to assist you through the initial steps following a date of loss.

Survey Exterior Damage

After ensuring your safety, the first step is to assess the storm damage to your property.

Exterior Inspection

Begin by examining the exterior of your property for visible damage. Look for missing shingles or broken gutters. As well as obvious roof leaks or scattered roofing materials.

Air Conditioning Unit

Even if it’s not the summer season, check your AC unit for damages. You wouldn’t want any surprises when it’s time to use it.

Other Damages

Be thorough in identifying all storm-related damages, including those caused by trees, neighbor’s trees, or missing fencing. 

Survey Interior Damage

Inspect the inside of your property for signs of internal damage. 

Water Leaks

Keep an eye out for water leaks or puddles on walls and floors, especially on the ground floor. 

Windows and Attic

Check windows for leaks and inspect your attic for any issues. 

Take Photos

Capture clear photos to document all damage you see on your property in the aftermath of a storm.

Exterior Damage

From damaged roofs to broken AC units, photos play a significant role in your insurance claim.

Interior Damage

Document any damage inside your home, ensuring clarity in the images.

Keep Everything

Hold onto damaged items, as your insurance assessor may need to inspect them for your claim. Even if you can’t keep large items, like a waterlogged carpet or a broken TV, take photos and keep small samples if possible. A piece of your wet carpet can serve as evidence!

Shield Your Property

To prevent further damage to your property while waiting for repairs, we recommend covering visible holes or broken windows. You can do this by using tarps or canvases. Furthermore, ensure that you move valuable belongings and electronic equipment out of harm’s way.

Public Adjuster Inspection

Enlist the expertise of a public adjuster to ensure that all damage to your property is accounted for prior to filing a claim. Their in-depth knowledge, negotiation skills, and commitment to your best interests can significantly impact the outcome of your insurance claim. Ultimately providing you with the peace of mind you deserve after a date of loss occurs. 

Navigating the aftermath of a storm and filing an insurance claim can be challenging, but with the right steps and the support of Premier Claims, you can restore your property with peace of mind. Remember, our dedicated team is here to assist you throughout the process.

 

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