A Comprehensive Guide To Insurance Claims

A Comprehensive Guide To Insurance Claims

When it comes to filing insurance claims, are you aware of exactly how they work? Believe it or not, some homeowners go their entire lives without needing , so it makes sense why some individuals are not very knowledgeable of the process. However, just in case the unfortunate situation ever happens to you, it is good to know exactly how it all goes down. That is where the professionals at Mutual Claims Service come in. We specialize in Florida insurance claims and also water damage insurance claim.

 

Steps You Must Know!

The following is a list of the most important things you need to know about how insurance claims work:

  • Take photos and document everything
    • Before any action is taken, be sure to document all damage with photos and video if possible properly. If you do not have proof that the damage actually occurred and you make temporary repairs, they may be denied or underpaid. Do not throw anything away until your insurance company has inspected it.
  • Secure the Scene
    • An essential step to a property damage insurance claim is to secure the scene. Whether it’s a flood, a fire, or any other damage, it is your duty as an insured to minimize damage if possible. Call emergency services if necessary.
  • Contact your insurance company and start a claim
    • All insurance companies have well-established home insurance claims processes that begin with filing a claim. Typically, there’s a phone number you can call to begin the claims process. However, some companies will allow you to start by filing a claim online or over a mobile app.
    • The sooner you can contact the insurance company and start a claim, the better. However, in some situations, you may first be faced with deciding if you should file a claim on your insurance policy.

 

Even More Tips for Florida Insurance Claims

  • Understand your specific insurance policy
    • After starting your claim, there’s never a better time than now to check your insurance policy. A homeowner that understands the policy start to finish is better equipped to deal with the insurance company moving forward.
  • File your paperwork
    • Every insurance claim comes with its fair share of paperwork. This paperwork is a hassle – but it’s a necessary hassle. Your insurance claim process might require you to complete proof of loss forms and other documents.
  • Request your own estimation
    • Some homeowners will perform an independent estimation at this point. If there is damage to a roof, for example, then they may contact a local roofing company asking to estimate the cost of repairing the damage.
  • Wait for the adjuster to evaluate the claim
    • After you start the claims process with your insurance company, the insurance company will send a claims adjuster to your property to begin the evaluation process. The claims adjuster will evaluate your claim to determine how much compensation you should receive and whether or not the incident will be legitimately covered by your policy.

 

Call Our Experts Today!

When it comes to a water damage insurance claim or any other Florida insurance claims for that matter, we have all the information you need to help make your claim successful. You need an expert for help with an insurance claim. Experts put the importance of knowing what kind of settlement you want at the top of the list. This amount will come from the review of your insurance policy, receipts, and other documentation which backs up your claim. When it comes to getting the compensation you need for flood damage. We have you covered. It does not matter if you already filed the claim, we know precisely how to reopen it. You can trust our water damage Miami experts. We also have all the homeowner’s insurance claims process information you need to get the money to cover all your losses. Trust us to get you the water damage insurance claim you deserve. Call or visit Mutual Claims Services today.

What Are Your Duties As An Insurance Policyholder?

What Are Your Duties As An Insurance Policyholder?

You have a number of responsibilities as an insurance policyholder that you need to make sure you are aware of before filing hurricane insurance claims or any other type of loss or damage. Mutual Claims Services in Miami wants to make sure that you have all of the information you need to handle the claims process as quickly and efficiently as possible. Making sure you know your duties and responsibilities will ensure that your insurance provider can’t blame you for any delays or denials.

 

Know Your Responsibilities As An Insurance Policyholder

When you sign any type of contract you are making an agreement with the other party involved, it is no different with an insurance company. The minute you sign a contract to work with them you are agreeing to meet certain requirements when filing hurricane insurance claims or any other claim that may come up. Although a majority of the work is left on your insurance provider as the policyholder, there are certain requirements you are required to meet in the event that a loss occurs. There are things like giving prompt notice of damage and contacting police if necessary that have to be done in order for the insurance company to start their half of the agreement. You also need to make sure you are documenting and keeping track of proof of loss and damage explaining in detail what happened and what the effects were. Failing to meet these requirements and duties can lead to your claim getting denied.

 

Although specific requirements and duties vary depending on which insurance company you have a policy with there are typically ones that usually every insurance company holds their policyholders to.

  • You must give quick notice of loss and damage to your insurance agents.
  • You have to call and notify law enforcement if there is a loss or damage caused by theft or another crime. The insurance company will ask for a copy of the police report.
  • You must take steps to ensure your property is protected from future damages. This means you have made any necessary repairs while simultaneously keeping a running record of any damages and repair expenses that you endured. This includes any costs that you had because of work you did or work you had a professional do.
  • You have to be cooperative with the insurance company while they are conducting their investigation for the claim. This means cooperating with any adjusters that are sent to assess the damage, loss, or any other aspects of your claim.
  • It is your responsibility to prepare and provide an inventory of any personal property that was damaged or lost. The inventory must include the quantity, description, and actual cash value. The insurance company may ask for bills or receipts that relate to the lost items.
  • You have to show allow the insurance company access to the damaged property as often as they required during the claims process.
  • You must provide any records or documents the insurance provider request and allow them to make and keep copies of anything they need.
  • An insurance company will require you to submit a sworn proof of loss document within sixty days of their request.

 

Contact Us For Hurricane Insurance Claims

Mutual Claims Services in Miami can provide you with insurance claims assistance to help you understand your duties as an insurance policyholder. It is essential to understand the best way to file a claim, so you receive everything you deserve. Call or visit us today to find out how we can help you!

 

Tips For Negotiating The Best Settlement With Your Insurer

Tips For Negotiating The Best Settlement With Your Insurer

Did you recently get into an accident and are worried that you may get ripped off when it comes to your settlement? What if we told you that the experts at Mutual Claims Services are here to make sure that you get the most money back? We are here to help with insurance claim. When it comes down to it, we are the best public adjuster Miami has to offer.

 

Let Us Deal With It

Most homeowners aren’t experts at dealing with insurance companies, initiating a claim or negotiating insurance claims. Typical homeowners only ever have to make one or two major insurance claims – if any. Fortunately, there are plenty of tips, tricks, and strategies you can use to help negotiate the best settlement with your insurance claims adjuster and make sure that you are fully paid for all of your property damages, even if you’re a complete beginner.

 

Our Tips to Help With Insurance Claim

  • Make sure it is in your best interest
    • Your home insurance premiums will likely increase after you file a home insurance claim. In many states, you can expect premiums to jump anywhere from 15% to 30% after a single home insurance claim. Because of these higher premiums, it may not be in your best interest to file a home insurance claim for ‘incidental’ incidents. Home insurance companies call small home insurance claims ‘incidentals’. These claims will raise your premiums just like a larger claim, but they’re relatively minor problems.
  • Read over your entire policy
    • Most homeowners don’t have expert knowledge of their home insurance policies. You might have a basic understanding of your home insurance coverage, including what’s covered and what isn’t. But your insurance contract has plenty of fine print that can cause your claim to be denied or underpaid if certain items are excluded in your policy language. Read your policy after an incident before you make a claim. Negotiations with your insurance company are easier when you’re well-prepared. Check your policy for specific sections governing your latest incident – like a section on flood damage or wind damage.
  • Get an insurance inspection with our public adjuster Miami
    • Your insurance company might calculate a repair estimate in a different way than other parties. After you file a claim, an insurance company adjuster will arrive at your property to assess the damage. Sometimes, the insurance company might claim it will only cost $10,000 to repair your water-damaged flooring when in reality, it’s going to cost $20,000 from any local contractor. So you may need to be prepared with how to respond to a low settlement offer.

 

Call The Best Public Adjuster Miami has to Offer

You need an expert for help with insurance claim. Experts put the importance of knowing what kind of settlement you want at the top of the list. This amount will come from the review of your insurance policy, receipts and other documentation which backs up your claim. When it comes to getting the compensation you need for flood damage. We have you covered. It does not matter if you already filed the claim, we know exactly how to reopen it. You can trust our water damage Miami experts. We also have all the homeowner’s insurance claims process information you need to get the money to cover all your losses. Trust us to get you the water damage insurance claim you deserve. Call or visit Mutual Claims Services today.

How To Dispute A Home Insurance Claim Denial

How To Dispute A Home Insurance Claim Denial

It is easy to feel helpless if you’ve experienced a denial from your insurance company especially if it’s after hurricane insurance claims. However, it’s important to know if you received a denial letter or less than money than what you think you deserve you aren’t helpless or out of luck. Mutual Claims Service in Miami wants to make sure that you know you have options. Keep reading to find out how you can handle this stressful situation!

 

The Best Way To Handle An Insurance Dispute

Handling hurricane insurance claims or any type of homeowner claims can be an overwhelming thing to deal with. It becomes even worse when there are discrepancies over the cost repairs from damages or a loss. Unfortunately, this happens more often than you’d like so it’s critical that you know how to handle it and the steps you should take. For insurance companies, it is most beneficial for them to pay as little as possible in claims because it directly affects their profit and the cost of premiums, but for you, it is most beneficial to get as much money as possible from your claim. Things can get a bit hectic and frustrating when you both are after entirely different things. If you do however find yourself in this unfortunate situation and have been denied follow these steps to handle your dispute.

 

Your first step is always going to be to call your insurance company, but before you contact your agent or provider, you need to review the claim you first filed that got denied. When you’re looking over it again, you want to check to see if there is any way you can improve it for quality of evidence. This can have a significant impact on whether or not they deny or approve a claim. For instance, if you originally only submitted one photo maybe you should consider having more photos ready to submit to prove and strengthen your case. Having things like photos, videos, repair estimate, and receipts can potentially make or break your case. Especially if you are disputing a decision, they made. After you review the claim call your agent or the claims department of your insurance provider. You want to talk with them about how you don’t agree with the decision that was made about your claim (whether it was denied or the estimate is just lower than you thought) and ask if it can be reviewed again. Remember, it is important to keep in mind that an adjuster was responsible for the decision being made not the person you are talking to so even though it’s easy to get caught up in your emotions be polite to them you will get a lot further.

 

If you’re filing the dispute because you think the insurance company gave you much less than you deserve you may want to consider hiring your own appraiser or home insurance adjuster to get your own estimate. A private appraiser or insurance adjuster will cost roughly between $200-$500 depending on how far they need to travel to get to your site.

 

If things don’t get settled after you get your own appraisal than it may be time to hire an attorney, although it is very rare that disputes get to this stage.

 

Contact Us

Mutual Claims Services in Miami can provide you with hurricane insurance claims assistance to help with your insurance dispute. It is important to understand the best way to file a claim, so you receive everything you deserve. Call or visit us today to find out how we can help you!

Whose Responsible For Home Fire Prevention?

Whose Responsible For Home Fire Prevention?

Are you looking for a public adjuster Miami? If you are dealing with a fire claim, you may need one! Mutual Claims Services in Miami is making a point to let you know that fire prevention is a responsibility everyone should take on. It is essential to have an understanding of what goes into preventing fires, so you don’t find yourself stuck in a stressful situation where you have to file an insurance claim with your provider.

 

Understanding Fire Prevention

The truth is preventing fires in your home or on your property is not just one person’s job; it is something that everyone in your house needs to be a part of. This is especially important, so that way if there is ever a fire everyone knows what to do and how to act. Follow the steps below to make sure that you don’t have to hire a public adjuster Miami!

 

A fire has the potential to take everything away from you and your family, and that devastation is something that no one should have to endure. Although it is impossible to be a hundred percent protected from a fire, there are a number of things that you can do to make sure that you drastically lower the chances of being unprepared in case a fire breaks out.

 

The first thing you need to do is put a prevention plan in place for your home and property. National Prevention Week is October 7 to 13, which is a perfect excuse to put your plan in place. Another thing you want to do is check out your surroundings and your property. Every few months you should walk around the perimeter and go through every room to find and spot any potential risks. Some things that you should keep an eye out for are things that produce heat like grills, stoves, or space heaters you want to make sure that adequate space is kept around these things, so there is no chance of a fire being started. Make sure your electrical outlets aren’t overloaded with multi-plugs. Finally, you want to be sure that any smoking materials like candle wicks or fireplace ashes don’t fall on any materials in your house. Another prevention practice that you need to make sure you pay attention to is your smoke detectors. Simply having them in all of your rooms isn’t enough, you need to make sure that they are all in working condition. If they aren’t functioning correctly, then they won’t do you any good in a fire. You need to test every alarm every month, change the batteries every six months, and change out the entire fire alarm every ten years. The final thing you want to do is practice your safety plan with your entire family. Having your house catch fire is a terrifying experience, and even if you know your exits and plan like the back of your hand, it’s very easy to panic and forget what to do in the moment, especially if thick black smoke is quickly filling the rooms. When practicing your plan you want to make sure that you play the sound of your smoke alarm, so everyone knows what to listen for. There should be two ways out of every room that everyone knows. Also, you want to have a meeting place where you can meet with your family members after you evacuate the house.

 

Contact A Public Adjuster Miami

Mutual Claims Services in Miami can provide you with insurance claims assistance to help with your fire prevention and claims. It is important to understand the best way to file a claim, so you receive everything you deserve. Call or visit us today to find out how we can help you!