Getting denied what you are owed because of an avoidable slip-up can end in regret and misery, especially when the state of your livelihood is dependent on financial relief. When the outcome of your insurance claim feels like a matter of life or death, you need industry-level knowledge to make the right choices with confidence. Uncover the most common claim submission errors for property damage revealed by your trusted experts at Altieri Insurance Consultants Tampa. We proudly carry years of success and the expertise you need to get the correct amount the next time you file a property damage insurance claim in Florida!
1. Missing Key Information In Your Insurance Claim
The smallest mistakes can leave you with the heaviest burden. The good news is that these minuscule errors are usually the most avoidable. Before turning in a property damage claim, diligently review your work product for accuracy. Cross your t’s and dot your i’s so errors do not cause any additional delays in receiving what you are owed. In terms of insurance details, you should be double-checking your damage descriptions, the accuracy of replacement pricing, and the ages of the items listed as damaged. Having an experienced public adjuster look over your claim before turning it in will improve the accuracy of your report and chances for a satisfactory settlement.
2. Downplaying the Severity of Your Property Damage
It is natural for a policyholder to not to want to appear greedy to the adjuster. This trend often works against a policyholder during damage discussions because many policyholders let smaller items pass without consideration. Your insurer will only pay you what they have to, so failing to express the severity of your property damage won’t get you the amount you need for full recovery. Public adjusters at Altieri Insurance Consultants are skilled in making accurate damage appraisals. Every piece of damage counts towards the bottom-line. A public adjuster will be sure your claim tally will be an accurate representation of your property damage.
3. Exaggerating the Severity of Your Property Damage
It’s not unheard of for property owners to embellish their story thinking they will receive a higher payout from their insurer. While you should always include every detail to get the best possible settlement, exaggerating the extent of your damage can backfire with dire consequences. You could be flagged for fraudulent behavior and have your entire claim denied or have criminal charges pressed against you for lying on official documentation. Public adjusters use their authority and knowledge to maximize your claim, while staying within the boundaries of what your policy allows to obtain a fair settlement for you.
4. Using the Wrong Terminology When Filing An Insurance Claim
There are certain types of property damage that border similar categories or descriptions, and property owners often get confused and use incorrect terminology when filing their insurance claim. For instance, one might file for a water damage claim in response to a Florida flood when floods can have their own separate policy. It’s a public adjuster’s duty to know the difference and point you in the right direction when it comes time to file a claim. This is why Altieri Insurance Consultants goes above and beyond in offering policy reviews so you can better understand your policy language and coverage.
Read more > How Do I Pick the Right Type of Public Adjuster For My Claim?
5. Not Having Sufficient Evidence to Support Your Claim
Can an investigator uncover leads when investigating a crime, if the scene has been wiped clean? The answer is no, and property damage claims work in a similar vein. In spite of the natural tendency of a property owner to want to start cleaning to get back to normal, they must wait for the adjuster to see the damage in its worst condition, otherwise they run the risk that the insurer will never be convinced of the severity of the loss. That’s why it’s critical to preserve the evidence of damage first by visual inspection and then by photos, videos, and appraisals. The first impression gets your point across before you begin clean-up and repairs. Our public adjusters have years of experience in collecting and gathering evidence so you can relax knowing that your insurer will receive everything they need to make you a fair offer.
Call Altieri Insurance Consultants Tampa When Filing An Insurance Claim. We Won’t Miss a Thing!
Don’t make a vital mistake that will keep you from receiving what you are owed. Public adjusters at Altieri Insurance Consultants Tampa will get you a proper claim settlement so you can get your life back! Reach out to your nearest office today to get started on your property damage claim. We’re the partner property owners rely on!
