Seeing your precious home destroyed and ensuring your family’s safety in the aftermath of an unexpected event can be stressful, emotional, and nerve-wracking. Now, you can find solace in the fact that you have comprehensive insurance and can file a claim immediately.
However, the problems don’t stop there because you may face many insurance claim issues that may make the process much more difficult than you thought. Reporting your claim, sorting through the damage, and finding a contractor can be time-consuming, and you’d have to deal with the insurance company’s adjuster.
Therefore, you should also consider hiring a public insurance adjuster who can handle everything on your behalf. It is also important to be aware of the common insurance claim issues homeowners in Texas face after filing a claim. Let’s take a look at some of them below.
Failing to Protect Property
You’d understandably be more focused on securing the safety of your family during damage to your home, but you should also be aware that your insurance policy requires you to protect your home from further damage. This may mean hiring a contractor to stop further water leakage or ensuring that your home doesn’t suffer from mold or mildew.
Your insurance company will reimburse you for any costs you incur when repairing your home, so they’d accept no excuses for why you didn’t get immediate repairs. However, they may refuse to pay for any damage that could have been prevented.
Disposing of Property Beforehand
Naturally, you’d want your home to be up and running as soon as possible, and you might think it is a good idea to delve into the cleanup process straightaway. However, you should never throw away damaged or destroyed items before the company’s insurance adjuster or the one you hire checks it out.
It can create insurance claim issues because it may look like you’re trying to hide something. It may also make it difficult to prove your loss. Therefore, document every damage that has occurred before cleaning up to ensure that you receive a fair settlement from the insurer.
Documentation
This is perhaps one of the most common issues homeowners face after filing a claim. If you are making a claim for damaged personal property and don’t have the receipts, documentation, or relevant evidence to back up your claim, it may be difficult to settle such damages. It’s not necessary to have original receipts for everything. However, problems may arise if you have no documentation or evidence to support your claim.
Coverage Disputes
Some homeowner coverage issues may never come to light until the insurer’s adjuster starts investigating your claim. You should always report increased hazards, home value changes, or other policy-related factors that may cause insurance claim issues down the line. The insurance company might not deny your claim, but it can use the coverage issues to minimize your settlement.
Policy Misinterpretation
As a homeowner, it can be easy to misinterpret your insurance policy. On the other hand, insurers are well-versed in policy language and understand seemingly ambiguous clauses that you can easily misinterpret. Your limited knowledge and lack of in-depth interpretation may cause serious insurance claim issues that can impact your final settlement.
Why Hire a Public Adjuster in TX?
A public insurance adjuster is an experienced professional who can handle the complexities of your insurance claims and the entire filing process. They’ll help you navigate the intricacies of your policy and assist you in understanding your coverage so that you can file your claim appropriately. In addition, they will handle all the documentation to ensure that you get reimbursed for every damage that has occurred.
They will negotiate on your behalf with the insurance company to ensure that you receive a fair and equitable settlement reflecting the damage to your home. It is worth investing your money in an experienced claim professional in TX who will help you every step of the way!
Get Started with Morgan Elite Specialist Services
If you’re looking for reliable, transparent, and experienced public adjusters, check out Morgan Elite Specialist Services. We have established a solid reputation as experienced public adjusters in Texas and will help resolve your insurance claim issues. With over 75 years of combined experience in handling complex residential and commercial claims, we will do our best to ensure you receive a swift and fair settlement.
We can help you with different aspects, including collecting and filing documentation, recording damage evidence, and negotiating with the insurer for a fair settlement. So whether you’re looking for an insurance appraiser, damage consultant, risk consulting experts, or public adjuster for your claim, we can help.
Report a claim now or contact us today for more details.
