When policyholders experience damage to property, the first call they typically make is to the insurance company. The company sends out an adjuster to survey the extent of the damage, determine what expenses or repairs are covered by the policy, and come up with the total amount the company will pay for the claim. There are a few problems with that scenario that can cost policyholders a significant amount of money. First, the adjuster sent was hired, trained, and paid by the insurance company. That person does not work for the policyholders, or has any reason to advocate for them.
If receipts are not submitted for that three night hotel stay, they will not be part of the claim. If business interruption is included in the policy, but the business owner does not remember that fact, the insurance company will not exert any extra effort to cover those expenses. An independent Property Insurance Adjuster in Queens NY will work for the policyholder who becomes the client. Once hired, property adjusters review the current policy to make sure full and maximum recovery is claimed. They will contact the insurance company, provide detailed documentation of all losses, and itemize all personal property damage as well. Dwelling damage will be inspected by exerts, and written estimates of the claim will be provided in detail. The claim will be reviewed with the client.
After the policyholder understands the claim, the Property Adjuster in Queens NY submits the claim to the insurance company. The adjuster advocates for the client, aggressively represents the amount of the claim, and negotiates a settlement for the total payout. Once the settlement is finalized, all closing documents are prepared and payment is secured. Hiring an independent adjuster helps to expedite the process, ensure that all benefits are claimed, and allows the property owner to devote all time and energy toward recovering from the experience. Adjuster services can also include loss consulting services, rental loos projections, business income analysis, and content inventory evaluations, among others. Claims are handled from beginning to end for all types of residential and business damage, including storm, flood, or fire damage. Theft, oil spills, explosions, broken pipes, estate claims, and leaking roof damage is also covered. Browse the website for more information.