Home damage can be devastating for your family, both emotionally and economically. Having to relocate while your home is restored or finding a new home altogether comes with challenges and expenses. You don’t need to add filing and winning an insurance claim to that list. Safeguard helps you with the following :
You don’t have to navigate hundreds of pages or understand insurance policies. We are experts, so you don’t have to be.
Building an insurance case on top of dealing with the damage to your property on your own is stressful. We provide you with a supporting team of experts.
With a greater settlement, you can rest knowing you can get your family or business back to normal or better.
It’s not too late to hire a public adjuster and to have an expert on your side. It’s common for owners to try to handle property damage claims on their own, especially if it’s the first time they’ve incurred such damages. A public adjuster will work on your behalf to properly evaluate the loss, review your policy to identify coverage, and work with the insurance company adjuster to settle the claim quickly and efficiently.
It is not too late and why you should never sign a settlement agreement right after the initial loss is settled. It is common to have supplemental damage claims that can be filed for things such as undiscovered water damage, or damage behind walls, or under floors, once reconstruction starts. Having a public adjuster on board early will help to identify these common problem areas and adjust the claim accordingly before the loss is settled and the repairs begin.
If your contractor attempts to manage your claim, it is considered acting as a public adjuster. Your contractor cannot do this, as it is against most state regulations and considered against the law. While your contractor is an essential part of the process, they cannot help you settle your insurance claim. These contractors are experts in repairing your property to its original state, not experts in handling claims.
A public adjuster cannot act as a contractor on the same claim, even if they also hold a contractor’s license, which is allowable in some states. Acting as both a public adjuster and contractor on the same claim would also be considered a conflict of interest.
In many instances, it will speed up the claim settlement due to the knowledge of the process that the public adjuster holds. The amount of time depends on the complexity of the claim and your insurance carrier. The public adjuster is working for you to make sure that you are indemnified properly, this may require multiple discussions with the insurance carrier and even field meetings with the carrier adjuster, or other professionals necessary to document your damage properly. All of this can take time with the goal in mind that you are properly taken care of.
Cheryl Jones assisted me with a claim I had for damage to my roof. State Farm would only approve $900.00 for the repair . I have $1,000.00 deductible so that means State Farm would give me nothing . With Cheryls help my roof, gutters and leaf guards replaced by State Farm insurance. She worked closely with the adjuster to obtain a fair settlement based on my policy coverage. During the course of the claim she met with both the company adjuster and my contractor to make sure everything was settled for me. Cheryl also communicated with me on a regular basis so I understood where my claim stood.
I would highly recommend the Safeguard Public adjusting.