It’s never good to assume things when it comes to your insurance. That way of thinking can land you in some hot water which you might not be able to swim back out of. And yet, many insureds fall into the same self-laid traps time and time again. Break the cycle by knowing the top cliches about insurance claims to avoid in 2024 and how to be proactive by reaching out to your local team of public adjusters at Altieri Insurance Consultants Ocala!
1. I’m Covered As Long As I’m Paying For Insurance”
You’re not covered for every incident just because you’re paying for insurance. Too many times we’ve seen property owners believe that any type of damage is covered just because they’re paying their recurring bill. Different policies address different types of coverage, so knowing exactly what you’re paying for is the easiest way to avoid this common cliche. We offer policy review services to make sure you’re covered where you need it most.
2. “My Insurer Has My Best Interests In Mind”
Just because you’re paying them doesn’t mean they’re your friend. As in any business, many insurance company loyalties lean towards themselves. This means an adjuster’s interests work towards protecting their employer. Instead of blindly trusting your insurer to handle everything for you, it pays to have an advocate in your corner protecting your interests, with a public adjuster who works exclusively for you, not the insurer.
3. “It Can’t Be That Hard to File a Claim”
Sending in a claim isn’t anything like placing an order online. You don’t just send the report and expect everything to work out in the best possible way. Even in the initial reporting stage, your description of loss matters. There are many complicated parts that go into a claim to be managed properly if you want an ideal outcome, and it can be easy to overlook the smaller details. This is precisely why smart property owners hire a public adjuster to ensure that their claims are solid from every angle and from beginning to end.
4. “I Can File My Claim Anytime As Long As I Have the Proof”
Let’s use another analogy here. Imagine you pay for a shirt and keep the receipt, and the store allows you to return that shirt well into the future as long as the tags are untouched and you bring your proof of purchase. That’s not how insurance works. The longer you wait, the less chance you have of receiving a complete offer. It can also be easy to miss your deadline to receive any sort of compensation at all. Always file as soon as you possibly can, and don’t procrastinate!
5. “The First Offer Will Be the Best That I Get”
The first offer may not always be the best offer an insurer can make you. With today’s insurers, field adjusters have limited authority to make decisions for you and they have very limited time to spend at your property inspecting, which can lead to missed evidence of damage or misunderstandings of the cause of loss. A public adjuster will spend the proper amount of time analyzing all damage so as to be sure your claim is thoroughly prepared and presented to your insurer. A public adjuster will also comb through all offers made by an insurer to identify any omitted items of damage that need to be included for payment. This assures you your claim settlement fully compensates you for your loss
6. “There’s Nothing I Can Do About a Denied Claim”
A denied claim doesn’t mean that all hope is lost. Some denials are unjust which is why it’s possible to make an appeal. When push comes to shove, it’s always best to have an expert insurance claims consultant back you up so you can get the reimbursement you require.
Learn more > Can I Appeal a Denied Insurance Claim? Here’s What to Do
7. “There’s No Point In Hiring a Public Adjuster”
Insurance claims sound easy to do until they don’t work out how you expect them to. Public adjusters are there to make your life easier and help you get what you are owed, making them well worth the hire.
Avoid These Cliches By Leaving Your Insurance Claim to Altieri Insurance Consultants!
Don’t just assume things will always go your way. The next time you have to file an insurance claim, reach out to Altieri Insurance Consultants Ocala as the partner property owners rely on! We can help you get your life back with a fair settlement.
