Tips on Working with Your Insurance Company
Bella Vista has staffed licensed public adjusters.
A public adjuster is a claim adjuster who is licensed to work on behalf of the policy holder. Most often, insurance claims may come up short, due to an incorrect value of property or an incorrect cause of loss. When this happens, unfortunately neither the policy holder nor the contractor can argue the claim with the insurance company. At this point it is necessary to hire a public adjuster.
Utilizing a contractor who staffs public adjusters can be beneficial because the knowledge of the public adjuster will be present start to finish. The sooner a public adjuster has been brought in on the claim, the quicker the process of getting the policy holder proper claim payment can occur.
Bella Vista General Contractor has been working with Insurance companies for well over a decade. We know what they need to process a claim most efficiently and properly.
Here are a few tips for you to follow when working with your Insurance Company:
- Contact Bella Vista General Contractor to schedule a free on-site inspection to determine if damage was incurred.
- If damage has been verified, you should contact your agent to request an inspection.
- Your agent can authorize any temporary repairs necessary to prevent further damage to your property.
- Your insurance company will usually require receipts for any emergency repairs you have done in order to reimburse you correctly.
- We suggest that you take pictures of the damage prior to any repairs.
- Do not make any permanent repairs until the adjuster has had the opportunity to inspect the damaged area.
- Once the inspection is complete, you will receive a claim sheet outlining the scope of damage and the funds being made available for the repairs, less your deductible.
- Bella Vista General Contractor offers free insurance claims assistance.
The Insurance Claims Process
- After damage has been verified, contact your agent.
- You should be contacted by the claims department by telephone or mail.
- An adjuster will be assigned to inspect and evaluate the loss.
- The claims adjuster should provide you with an itemized explanation on your claim settlement including your deductible amount and depreciation.
- Most homeowner policies grant coverage for full replacement cost provided the repairs are actually completed. In these cases, the depreciation is deemed recoverable and the final payment is made after your receipts have been submitted and processed.
NOTE: All carriers have their own method of processing claims. This is just a general guideline.