Alconero and Associates - Why does it pay to negotiate with your insurance provider?
27 Jan

Accidents are unpredictable. From destroyed property to traumatized family members and, if worst comes to worst, losing not just your beloved house but a loved one, there are really a lot of things that we cannot expect nor prepare for during a disaster. When there are a lot of these things that are all happening at once, having an insurance policy might sound like a good idea.

Although having an insurance agency can give a bit of comfort and assurance that you are covered, filing all the necessary documents and negotiating for an appropriate settlement may not seem like a walk in the park. This results in some simply grabbing the shorter end of the stick and not negotiating what seems to be a suitable and reasonable settlement for us. The good news is that though this is entirely feasible, we have the choice to not make this our story. There are also things we can do to avoid this and make the most of your insurance claim. This article aims to show the benefits of negotiating your claim and the advantages of having a public adjuster represent your side in the negotiation process.

You deserve it! and your public adjusters give you enough time

As the saying goes, “Time is Gold”. This precious finite resource is something you strongly need during this period. Making you decide right away is arguably one of the primary things that will be used as a ploy by insurance agencies to limit their expenses and cut corners in your settlement. Let’s face it, when you purchase an insurance policy, you are placing a bet with the insurance company. The insurance company is betting that nothing bad is going to happen on your property, and you are betting otherwise. When they lose, and something bad happens to your property, you get a settlement and they lose money, so it’s really natural for them to settle your claim as soon as possible to avoid further expense on their part. As a policyholder, don’t decide abruptly. Breathe in, breathe out. You don’t have to take their first quote blindly and agree right away. Having meticulous eyes in this situation can be really handy. Not only do public adjusters have meticulous eyes carefully honed by experience in this matter, but they can give you enough time and options to consider at this crucial point in your life. Being presented with enough options while not being bombarded with a lot of things to accomplish and having the appropriate time to consider every possible option can undoubtedly lead to you making the best decision. Your public adjuster is really willing to help you in this matter.

It prevents you from being taken advantage of, and your public adjuster can accompany you every step of the way

The need for isolation during this time is normal. You just had one of the most tragic experiences of your life. Of course, you need time off, and it’s completely understandable for you to feel and want to be alone. Although this can help you recover emotionally, it is wise to avoid this, especially when making an insurance claim. Filing an insurance claim is a daunting task for many. There are a lot of people that you have to talk to, and there are a lot of documents that need to be completed right away. Some of us may experience this huge disaster once in our lives. Although this is comforting for us, it also means we do lack the experience to carefully and properly handle the insurance claim. Don’t worry, you don’t have to do this alone. A public adjuster can represent you in this insurance claim process. Unlike the adjuster hired by your insurance agency, public adjusters have your best interest in mind. They are incentivized by the percentage of whatever you are able to claim. This means they will have your best interest in mind. Public adjusters’ various experiences and appropriate technical knowledge in handling insurance claims can prove important for you as they know how to negotiate and help you get the claim you deserve.

Conclusion

Let’s address the elephant in the room. During a disaster, there will really be a lot of things happening, and there are only a handful of things that we can attend to. This short amount of time can prevent you from making the most out of your claim. Please remember you paid for it, and that you are entitled to the policy you acquired. Making the most of it is arguably something everyone deserves, Plus the fact that you really badly need it. Having an expert look on and handle your insurance claim can take away your attention on this matter while knowing someone reliable can do it for you, giving you enough time to focus on what truly matters.

 

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