Almost everyone whose property has been damaged as a result of a fire insurance application makes costly mistakes during and after payment. However, there is one more costly mistake that policymakers make over and over again. Also, the winner (or should we say the loser); Most policymakers simply rely on their insurance company to evaluate, evaluate, and evaluate all of their insurance premiums without looking at it. This can be the most expensive mistake a person can make in a lifetime.
It is bad enough that your property is destroyed by fire, but you rely on someone else to visit your property, inspect it, give it the right price, and then hope they find you right … Is Simply I N S A N E! However, policymakers allow this to happen nationwide, day in and day out. For many people it is natural for a person to count their “change” in the store or to actively review their dinner bill to make sure the waiter does not charge them for items they do not order. We have done it all. We do our best to calculate and keep track of our chump transformation. However, when it comes to the tens of thousands or even hundreds of thousands of dollars from a fire insurance claim, we rely on the insurance company without question.
No one knows your property as well as you. There is a lot you need to do to prepare well and set up a fire insurance claim in most cases, things are forgotten or lost during the process. Especially if it is done by someone in your insurance company. They do not know about your property, your property, or your content (furniture, clothing, etc.) just like you. How could they be as accurate as you? In addition, just because an insurance company arranges for your property to be inspected does not mean that they are professional contractors, builders, or certified fire and water suppliers.
Through a review of thousands of closed claims, we have found that in many cases, insurance companies and policymakers unknowingly lose money hidden from sight. In almost every case; it is a good idea to have a technical update on your fire damage claim. It is recommended that a fire insurer, appraiser, consultant, or consulting firm.
Policemen often believe that when an insurance company sends them a check and deposits money into their bank account – the claim is closed. This cannot be further from the truth. The fact is; that in most provinces the policyholder has 3 years to make a claim and even file an existing claim. Therefore, a review of your claim to see if you have been properly compensated is possible, during the claims process or after the claim has been resolved. You can also earn extra money with your claim – even if it’s demolished and demolished.
Yes, even if your claim is settled and you file checks, or your building is demolished and demolished, you can still get extra insurance money if the damage has not been properly assessed. In most cases, tens of thousands or even hundreds of thousands of dollars. Even if the policy owner believes they have received the right payment.
However, it is up to the policy owner to do his part to protect himself. Here are a few tips to help you review your fire insurance claim. There are tips when you are in the middle of your claim – and tips if your claim was closed some time ago.
Write Your Construction Damage: Take time to inspect and record the damage. Take pictures of all the damaged rooms in your building. Take a holistic view of the room and take close-up photos of damaged tiles, walls, floors, windows, doors, etc. Of that room. Rotate the structure to the left (clockwise). Before you move into the next room, closet, or hall – take a look at everything. This will be an easy way to organize what photos are in these rooms. An example is; View from the living room, from top to bottom, pictures of ceiling, walls, windows, doors, and floor. After that the first picture of the next room reviews, and so on. (No photos or content closures yet, only rooms.)
1. Closed Claim –
Get Your Own Property Documents: An insurance regulator took photos of your property during an inspection. If you do not have photos of yourself, or small photos – then ask for all the photos taken by the adjuster at the insurance company. You should also ask for the drawing / diagram they used to calculate the square drawings of your building. Also ask for the full detailed limitations they wrote down to get their numbers. These documents will be useful to the Fire Insurance Claims Coordinator of your choice.
2. During the Claims –
Write Your Waste Content: Next visit each room and closet again to re-collect your content. Take a snapshot of each piece of furniture, shoes, shirts, pants, etc. Then a close-up image of any damage to that object. Write each item down in the content form. (Download one by contacting us at the link below.) Just as you took pictures and edited your photos for construction damage, you should do the same with your content. For example; Take a general view of the living room, then work your way around the room to the left (clockwise). Take a picture and write all the things on each wall until you go back to the door you started with. This way things will not be missed or forgotten. When the living room installation is complete, go to the next room and start by taking a general view of the room. this helps to organize what content is. Make a list of the room at the top of each page of your inventory. Now both pictures and lists are arranged in order of sequence.
2. Closed Claim –
Get Documents on Your Content Damage: An insurance fixer took pictures of your content during their testing. If you do not have photos of yourself, or thumbnails – then request all the photos taken by your content editor. You should also request full details of the content they have posted to get their numbers. These documents will be useful to the Fire Insurance Claims Coordinator of your choice.
3. During the Claims –
Update Your Policy: Fire victims must take the time to review their insurance policy. You have to know the basics; How much cover do you have on your building? How much do you carry with you (furniture, clothing, etc.)? How much money do you have to stay in a hotel or rent a house or furniture? Surprisingly, most people do not know this. In many cases the policy has been damaged by fire. If so; visit your agent and request a certified copy of your complete policy. Ask your agent to help you explain how widespread you are.
3. Closed Claim –
Get a Copy of Your Policy: Contact your insurance company and request a certified copy of your “FULL” insurance policy, including the Announcements page. These documents will be useful to the Fire Insurance Claims Coordinator of your choice.
4. During the Claims –
Contact a specialist: The insurance company will have an adjuster visit the site, assess the damage, and complete the estimate of the loss. It is important that you complete the same process yourself. How do you know if the insurance indicator is doing its job properly? Are you willing to lose tens of thousands of dollars by not giving yourself time to confirm? The insurance company must explain all the coverage of the fire insurance claim available to the policyholder, however, this is rarely done. Sometimes it is intentional, and sometimes it is intentional (Did you catch that? This is done on purpose more often than not.) Your property, your policy, and your money. Teach yourself to make sure you are fully compensated for your loss. Hire a fire insurer to review an insurance company test. Find out your real estate prices and costs and your reimbursement costs.
4. Closed Claim –
Contact a specialist: Have you received the right payment for your fire insurance application? How do you know unless you ask someone? If you are not sure if you have received a fair payment from your insurance company, you should get it for yourself. If you have collected all the data as set out above; you will have enough details in your claim to analyze it professionally. Updating your claim will allow the Fire Insurance Claims Coordinator to let you know where you stand. Leaving them in the dark, with the possibility of losing tens of thousands of dollars, or even hundreds of thousands of dollars makes sense. The low cost of finding out where you stand is the lowest price you have to pay, compared to the large amount of insurance money you did not know existed.
The reasons are simple. Look, the insurance company adjuster works for the insurance company, and the fire claims coordinator works for you. You did the right thing by making sure you had insurance. It is up to you to take the next step and make sure you get paid.