The initial response to property damage from storms, fires, or water should start with an insurance claim. The property damage insurance claims process requires careful handling because improper execution can result in reduced compensation than you require.

The following steps will help you obtain all your insurance compensation.

Assess the Damage Before Calling Your Insurance Company

Before you rush to contact your insurance provider, take a step back. The way you report the damage can impact your claim, so it’s best to have a professional evaluate the situation first. So, do you want to know what a public adjuster will do? Then, read below.

  • Inspect and document the full extent of the damage.
  • Help you understand what’s covered under your policy.
  • Ensure you don’t say anything to the insurance company that could be used to lower your payout.

However, if you’ve already contacted your insurance provider, don’t panic—it’s not too late. You can still bring in a public adjuster to fight for the settlement you truly deserve.

Gather Solid Proof of the Damage

Insurance companies won’t just take your word for it. You need solid proof to support your claim. Without the right evidence, they might underpay or deny it altogether.

Make sure you:

  • Take clear photos and videos of all damaged areas.
  • Write down details about what happened and when.
  • Save receipts for any temporary repairs or emergency expenses.
  • Get professional estimates from contractors for repair costs.

If you have a public adjuster by your side, nothing of this will be necessary as they will do all of the tasks for you and get the compensation you deserve.

Avoid Quick Settlement Offers

After you file your insurance claim, your provider will dispatch one of their adjusters to check the damage and possibly provide a rapid payout. The initial insurance offer does not necessarily represent the correct compensation amount. When insurance companies present their initial settlement offer, it usually falls short of covering your repair costs, and accepting this amount prevents you from requesting additional funds.

Moreover, insurance providers work primarily for their organizational interests as opposed to catering to you as a policyholder. So, before accepting the first settlement offer, you should carefully evaluate it or seek an assessment from a public adjuster to confirm that you have received proper compensation.

Get Professional Help to Maximize Your Settlement

Handling an insurance claim on your own can be overwhelming, especially when dealing with insurance adjusters who know how to minimize payouts. Remember that a public adjuster works for you, not the insurance company.

Premier Public Adjusters Will Fight for Your Full Payout

Do you want to make sure your claim is handled properly and that you get every dollar you deserve? Then, let Premier Public Adjusters take care of the entire process for you. So, what are you waiting for? Contact us right away for more information.