Few things in life are more daunting than having to manage a property damage claim to your home, especially if you have never experienced a major insurance claim involving your home. Whether from a fire, hurricane, tornado, windstorm, hail, lightning, burst pipe, flood or a collapse, few homeowners know what to do and where to turn for help in resolving the catastrophe and navigating their way through the red tape of an insurance claim. It is simply not sufficient to rely on your insurance agent, adjuster, and/or company to protect your interests. Your agent sells policies; he or she hasn’t been trained to and doesn’t adjust property losses. Your insurance companies hires adjusters to protect their interests, not yours. You need and deserve professional advocacy and assistance also.
On its own, a disaster to your home can be completely overwhelming. A large property damage claim with your insurance company will only add to the stress. Very few people are familiar enough with property insurance policies to truly understand the coverages, limitations and exclusions of their policy. Trying to manage your insurance claim without an understanding of your policy is nearly impossible. You won’t know why your insurance writes that something is not covered. Why did you receive a Reservation of Rights letter? And what does it mean? Is your loss covered or not?
State Adjusting Services has been homeowners advocates nationwide when it comes to handling property insurance claims. Making sure you, the insured, are getting what you are due based on your policy, not what the insurance company, in its own self-interest, tells you that you are due.