• Step one, which is critical, and that is to make sure that your claim is properly presented to the insurance carrier.
  • Taking pictures of everything that is damaged at the time and taking inventory of all items that were affected by the loss. This is especially important for fire losses where items may be inadvertently disposed of during the initial part of the claim by contractors or emergency service vendors. Under the policy it is your obligation to mitigate your damages. This does not mean that you have to compromise your settlement by rushing to dispose of items without documenting.
  • Take control of the claim from the onset. By letting the carrier or their appointed adjuster lead the evaluation and organization of your claim, it can create a disadvantage on your behalf and shortfalls in the future. Always manage your claim or have your Public AdjusterMany property owners come out of pocket to make up shortfalls that they otherwise should have been well compensated.
  • Don’t settle on items that have a value less than what you previously possessed. Your policy is an indemnity contract. This means that you are to be made whole. Homeowner’s can be pushed by aggressive adjusters to settle. In these cases it is important to slow things down and keep the upper hand.