Property insurance claims and adjusters

Property insurance claims and adjusters in Charlotte explain the claim adjusting process

Property insurance claims and adjusters perform their tasks in good faith for fair compensation

Property insurance claims and adjusters in Charlotte NC help prove the loss so your insurer can indemnify you. Their services are in good faith and they aim at making sure the compensation is fair. Here is how the adjuster handles the whole process.

Go through the loss notice

The terms and circumstances of the contract between the insurer and the insured party must be understood by the adjuster. The adjuster must study and thoroughly examine a first-party property insurance policy in order to comprehend it. The specifics of each individual claim help to define and enliven the meaning of the policy contract and give the language of the policy new dimensions.

Review your policy

Within 24 hours of receiving the loss notification, the adjuster should get in touch with the insured and make plans to meet with them and any witnesses as soon as is feasible after finishing the basic preparation steps of examining the loss notice and the policy wording. The adjuster must inform the insured that the policy stipulates that they must provide evidence of their loss to the insurer.

Obtain a recorded statement from the insured party and witnesses

The insured and all witnesses to the occurrence that resulted in the loss should be required to provide the adjuster with a thoroughly recorded statement. A thorough picture of the loss can be obtained by listening to the recorded statements of the insured’s neighbors and family members.

Examine the damage under oath

The insurer should demand the EUO in the following circumstances.

  • When the insured’s loss cannot be proven by sufficient documentary evidence
  • When the insured declines to assist the insurer’s inquiry
  • When the insured cannot provide documentary evidence to substantiate their claim
  • When the insured needs assistance in showing their loss
  • When there is no other way for the insurer to “cross-examine” the insured’s proof of loss
  • When the insurer notices an effort at a false claim

Obtain proof of loss

The burden of proving a loss from causes covered by the terms of an insurance policy falls on the party seeking compensation, and if such proof of loss is made within the contract of insurance, the burden is on the insurer to prove that the loss originated from a cause that is excluded from the policy.

Find the best property insurance claims and adjusters in Charlotte NC

The claims adjusting process makes sure that the whole process is fair. Work with the best property insurance claims and adjusters in Charlotte NC.

Steele Restoration is a fully licensed and insured Charlotte NC and Greenville SC-based general contractor and roofing company specializing in roofing, siding, and storm damage restoration for single-family homes, multi-family complexes, and commercial and industrial sites. We service Charlotte and surrounding areas, including Rock Hill, Lake Norman, Steele Creek, Matthews, Ballantyne, and Blakeney, along with Greenville and Spartanburg SC areas.

Property insurance claims and adjusters

Property insurance claims and adjusters in Charlotte use these tricks to devalue your claim

Property insurance claims and adjusters should cover your losses after a storm

Property insurance claims and adjusters often defraud unsuspecting homeowners by failing to pay the needed amount after a storm. You need a Charlotte roofing expert on your case to make sure your claim is well processed to handle repairs.

Regardless of how sweet and caring your insurer may seem when taking you on, very few care about your losses. Most of them are in the business of making money and will look to defraud you for your claim and instead hold on to the money.

After a storm, you may want your insurer to come through and cover the repair or roof replacement costs. Unfortunately, you might not know if they wish to settle with you or not, and if they are acting in bad faith, they will start to string you along. Here are some common tricks that adjusters will use to devalue your claim.

Claiming your policy doesn’t cover the damage

Insurance adjusters will look over the fine print of your agreement to determine if the policy offers cover for the damage. In some cases, they may make it seem like your damage is not covered as per the policy.

For example, you can experience stains on your wall or ceiling after a storm. If the policy explicitly states that it covers roof damage, they may avoid settling on issues such as stains since they do not prove roof damage. You might be forced to hire a roofing expert at your own cost to take care of the problem.

Trying to prove the damage happened before the storm

The adjuster will likely try to claim that the damage happened before the storm. If your insurance coverage handles damages due to the storm, they can take away your right to compensation.

Valuing the repair works at meager rates

Since insurers can take time to assess the damage and repair your home, you might be forced to pay a roofing expert from your pocket. Even so, they should reimburse the amount when you show the receipts to them. Adjusters value repair works at floor rates, contesting the receipts as an overcharge and causing you losses.

Property insurance claims and adjusters in Charlotte NC

To effectively take on insurance adjusters, you need to work with top roofers on the repair jobs. The owner of Steele Restoration is a former insurance adjuster and can help you through the process.  Hire the best-rated roofing restoration expert in Charlotte for top results.

Steele Restoration is a fully licensed and insured Charlotte NC and Greenville SC-based general contractor and roofing company specializing in roofing, siding, and storm damage restoration for single-family homes, multi-family complexes, and commercial and industrial sites. We service Charlotte and surrounding areas, including Rock Hill, Lake Norman, Steele Creek, Matthews, Ballantyne, and Blakeney, along with Greenville and Spartanburg SC areas.

Property insurance claims and adjusters

Property insurance claims and adjusters in Greenville SC inspect your house

Property insurance claims and adjusters are here in the Greenville/ Spartanburg SC area to make sure that no tenant ruins your property and gets away with it. Your property will get the valuation it deserves.

Who is an insurance adjuster

When you make the decision to make a claim on your insurance policy, you will be required to collaborate with an insurance adjuster who works for the household insurance company you use. Your property will be assessed by an insurance adjuster, who will also compile evidence on the severity of the damage and make a decision regarding your claim. However, keep in mind that the adjuster is not working for your benefit and does not argue on your behalf.

Your insurer will pay the adjuster to determine the amount of compensation that is the least expensive for them to pay out. You may be ready for the adjuster’s inspection by making an itemized inventory of your possessions, learning about the exclusions in your insurance policy, taking detailed notes of your meetings, and describing the damage to your property using language that shows you have given it some consideration.

Dispute an insurance claim

There are times when you could find it necessary to employ your own personal independent adjuster. The primary reason for this is typically because you do not want to accept the offer made by the insurance provider, or the provider may have flat-out refused to pay out on your claim. You are not required to take up an offer if you feel that it is not to your advantage. You have the option of declining to accept the offer and making a counteroffer instead. Get started by having a conversation with the customer care department of your insurance provider about the offer, and then ask for a written breakdown that explains how they arrived at the number.

Give the facts to the independent adjuster so that they can put together a case that will work in your favor. You may benefit from receiving a second opinion from the adjuster since it will be more objective and might assist you in negotiating a better settlement with your insurance carrier. Keep in mind that in order to assist you achieve a more favorable compensation, they need time to examine the claim and create a response that is supported by their expert findings.

Find best property insurance claims adjusters and roofers Greenville SC

If you’ve got a roof, you need us! We’re here to sort out all your roofing problems so you don’t have to suffer through another restless night. While you’re busy with your everyday life, we’re here to sort out the behind-the-scenes to make sure you don’t have too much on your plate. We’re just a call away!

Steele Restoration is a fully licensed and insured Charlotte NC and Greenville SC-based general contractor and roofing company specializing in roofing, siding, and storm damage restoration for single-family homes, multi-family complexes, and commercial and industrial sites. We service Charlotte and surrounding areas including Rock Hill, Lake Norman, Steele Creek, Matthews, Ballantyne, and Blakeney, along with Greenville and Spartanburg SC areas.