We’ve all been told we should keep receipts and take photos. But, from an insurance standpoint, are any of us truly prepared for when a catastrophe strikes?
The day after Christmas, the residents of Rowlett, Texas learned exactly what that means when their homes and lives were ripped apart by tornadoes and severe storms. The very next day it rained, and the day after that it snowed, all the while their homes were still open and exposed to additional damage from the bad weather. Clearly the storm created the openings into their properties, so the insurance companies would be paying for any subsequent rain damage as well.
The coverage question gets more difficult when there is not an obvious storm created opening. One might argue that high winds can also cause damage to your roof in less obvious ways, like lifting a shingle which then causes a leak. While many insurers may attempt to deny those types of claims, one should hire a claim expert and argue for that coverage.
A professional handling the claim works closely with the insured to provide the most equitable and prompt settlement possible. The claim professional inspects the loss immediately, analyzes the damages, assembles claim support, reviews coverage, and serves the insured, not the insurance company. Just because an insurance company says a claim is closed or has made payment on a claim does not mean that it is settled. The insured must be satisfied with the settlement.
Often time insurance adjusters will determine causality based on what is in the best interest of the insurance companies. On the other hand, a public adjuster or other claim professional is a representative for the insured. They look for the real cause of damage to your property so that you get what is fair and equitable. Not that all insurance adjusters are out to get you, but it does make good sense to get a second opinion, especially when it comes to one of your greatest assets – your home.
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