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.

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!