California wildfires are sweeping across entire counties, like Santa Barbara County, destroying thousands of homes and businesses. Early estimates of damage run over $1 billion dollars.

On March 14, 2008, a tornado swept through downtown Atlanta, causing over $250 million in damages.

Hundreds of homes and business were damaged, some were total losses. Most had property insurance. Yet, hardly any of the policyholders have ever read their policy, nor do they have any idea how to submit a claim so they maximize their recovery. This lack of knowledge places the insurance companies at a big advantage.

What should the victims of these storms do? This Top Ten Tip List will get you MORE MONEY!!

1. Notify the Insurance Company. Make sure you notify the insurance company the way the policy tells you to. You can put your claim in jeopardy if you don’t do it right.

2. Slow down. Don’t accept a fast payment from your insurance adjuster if it means you close your file. Insurance companies love to make fast payments. But if you accept a payment before you know all your damages, you’ll be giving your insurance company a big discount. Worst, you won’t be able to get the repairs done for the money.

3. Mitigate your damages. That’s a fancy term for protecting your property from further damage. Put a tarp over the roof…plastic over a broken window…that kind of protection. The expenses you’ll incur are covered by your policy.

4. Take LOTS of photos. Don’t rely on the adjuster…it’s YOUR RESPONSIBILITY to prove your claim. The adjuster might not get to you for days. You may need to make temporary repairs to get your business back working, or your home livable. Cleanup might mean you’re throwing away stuff you should get paid for. Make sure you’ve made a photo record of your loss.

5. Start a document file. Keep everything related to this claim in one place, like a box. Keep all receipts, claim documents, photos, EVERYTHING in that box.

6. Open a checking account just for handling the money for the repairs. This keeps you from mingling the funds with your normal household or business funds. It also makes record keeping easier.

7. Don’t just blindly accept the adjuster that the insurance company sends to your home or business. Interview the adjuster to find out if they are trained to handle your loss. If your adjuster has two years or less experience, call his supervisor and DEMAND another adjuster.

8. Ask the adjuster for an advance if you need money to begin demolition of cleanup. If you need funds for Business Income or Additional Living Expenses, ask the adjuster for an advance. It’s done all the time, but many times the insurance company won’t volunteer it.

9. Record EVERY conversation you have with your adjuster. Keep a diary of adjusting activity. Don’t EVER trust an adjuster to work on your behalf. His paycheck is paid by the insurance company. He’s on THEIR SIDE.

10. Call a Public Insurance Adjuster (PA) to evaluate your claim. Public Adjusters are licensed through the State Department of Insurance to represent policyholders, not represent the insurance company. Hiring a PA will usually result in you getting more money in your settlement than if you just accept the offer from the insurance company.

Think about this… you hire doctors when you’re sick. You hire attorneys when you have legal issues. You hire accountants to handle your books or file your taxes. So, in this case, when you do not know the insurance claims process, why would you hesitate to hire a claims professional to represent you in the submission of your claim? At the very least, you should consult a PA to find out if it makes economic sense for you to hire a PA. Your claim might not be big enough to warrant a PA, but you won’t know unless you ask one. By the way, don’t ask your insurance company adjuster if you need a PA. What would you expect them to say?

Follow these simple strategies and you’ll add hundreds or even thousands more dollars to your claim settlements!

For more strategies that can add hundreds or even thousands more dollars to your settlement, go to my website at: http://www.insurance-claim-secrets.com

Copyright 2008 by Russell D.Longcore

P.S. I wrote a book that YOU need!
check out: insurance-claim-secrets.com

Advice on Personal Insurance & Commercial Insurance. Copyright ©. All Rights Reserved.

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When buying term life insurance, it’s important to know that the best rates come when a company is allowed to run on paramed. Use term life insurance when an insurance company understands what the risk truly is with help from a licensed insurance agent in this free video on life insurance.

Here is the video on Youtube:

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Mitigate damages in insurance claims.

Remember, the word “mitigate” is an insurance term that means protecting the property from further damage. This can involve placing tarps over damaged roofing, removing damaged contents, pumping water out of your home or other temporary repairs. The costs for temporary repairs to protect your property are covered in your policy.

You have a responsibility in your policy to mitigate your damages. Depending on your individual situation, that may mean doing something as soon as possible after a loss. If you don’t protect your property from further damage, the insurance company will likely deny the additional damage that will occur.

For example, if you have a windstorm that tears off your shingles. You do nothing to protect the roof and four days later, a big thunderstorm dumps a couple inches of rain on the roof, which causes water damage to ceilings throughout the house. The insurance company would pay to fix the roof, but not the water damage inside.

You may need a restoration contractor to mitigate the damages for you. I wrote about restoration contractors in Chapter Four. Here is a little extra comment about restoration contractors.

You might see many restoration contractors drop by to see if they can help you with temporary repairs, like tarps on roofs, board-up, pumping out water and demolition, and contents removal. Get written estimates from them BEFORE you sign ANYTHING. They will sometimes tell you that they were sent by the insurance company (maybe true, maybe not), and that it is your responsibility to protect your property from further damage (which is true). They may tell you that they will “direct bill” the insurance company (which they may do).

Be very careful on contents removal, sometimes known as “pack out.” The more contents they clean, the more money they make. The cost to clean something is a fraction of the cost to replace it. So, when the restoration contractors are involved, the claim value is reduced, which benefits the insurance company. That is why many adjusters may bring a restoration contractor with them to the loss location. Remember that many policies pay REPLACEMENT COST, and following major fires, large windstorm and water losses, most of your damaged possessions can be replaced instead of being cleaned. Every penny that goes for cleaning your contents comes from the contents limit of liability shown on your policy declarations page. So, theoretically, a substantial amount of your insurance money to replace your items could go to the restoration company to only clean the items!! If the restoration contractor cleans a bunch of your property, and you reject it as unusable, there will be less money for replacement of your property.

The contract for cleaning and restoration of your property will be between you and the contractor…not the contractor and the insurance company.

MAKE SURE YOU ARE IN CONTROL by mitigating your damages!

P.S. WARNING!! Do Not Buy Insurance, or Submit an Insurance Claim Without Visiting This Website!

check out: http://www.insurance-claim-secrets.com

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Insurance claim recorded statements. They usually go just fine, but sometimes the insurance adjuster uses tricks and gimmicks to get you to say things you shouldn’t say.

So keep a claims diary. This protects you, the policyholder or claimant, if and when you have problems with your claim.

Get a notebook or legal pad and write down EVERYTHING that happens EVERY DAY during your claim process. NEVER trust your memory.

When you speak to anyone about your claim, write it down.

Let’s talk about recorded statements and your claims diary.

Recorded statements are a normal part of the claims process. Claims adjusters usually like to get a recorded statement from all the parties in the loss early in the claims process. That way, the details of the claim are still fresh in everyone’s minds, and can be documented more accurately. Don’t be nervous about being recorded.

If the claims adjuster calls and requests a recorded statement over the telephone, politely tell him that you prefer to meet with him in person. The best scenario for you would be to meet the adjuster at your attorney’s office, and give the recorded statement in the presence of the attorney. Even uncooperative or moody adjusters seem to be on their best behavior in the presence of an attorney.

If the insurance adjuster or examiner only does recorded statements by phone, simply have the adjuster do a three-way conference call with you and your attorney.

On an in-person interview, the adjuster will have his portable tape recorder with which he will record the interview. You should also bring a portable tape recorder and tape the interview for your own protection. You can buy a hand-sized cassette recorder at any electronics store or discount department store…even major drug store chains for less than $40.00. They use standard cassette tapes and batteries. The microcassette recorders work great, too, and cost about the same. Make sure that you have plenty of fresh batteries and a few cassette tapes with you at the interview.

When the adjuster is recording your statement, don’t OFFER any information. Answer the question that he asked, and no more.

Remember that some questions do not deserve an answer.

Have you ever been in an interview, or some social situation, and someone asked you a question that made you uncomfortable? And you ANSWERED the question so they didn’t think you were impolite? Then later you hated yourself for being a doormat?

People feel a need to be nice. Adjusters take advantage of people’s need to be nice. Adjusters know that most people will answer whatever questions seem reasonable, even if the question is not relevant to the claim. Personal questions that do not have relevance to your claim should not be answered. Questions about your income, or asking for your Social Security number, may not be relevant to the claim. Questions about your income, for example, are not appropriate unless you are making a claim for lost wages.

One of the reasons that adjusters ask for your Social Security number is so they can look you up on a database called Insurance Service Office (ISO) Claimsearch. If you want to see what the Claimsearch homepage looks like, go to: claimsearch.iso.com/index.asp

Claimsearch is a searchable database that shows if you’ve ever had an insurance claim before. With your Social Security number, adjusters and claims examiners can call up all the data about you…WITHOUT YOUR PERMISSION.

If there’s a question that the adjuster asks that you don’t feel comfortable answering, politely reply “I’d rather not answer that question.” Sometimes adjusters ask inappropriate questions. Make sure that the adjuster sticks to the details of the accident or loss. If you’re in an attorney’s office at the time of the recorded statement, he’ll help the adjuster stay on track.

My belief is that you, the policyholder or claimant, should record every telephone conversation and face-to-face conversation that you have with anyone about your claim.

The same electronics stores that sell the cassette recorders will stock a “pick-up” microphone that plugs into your cassette recorder and has a suction cup that sticks to your telephone handset. The quality of the sound is usually quite good.

I’m not suggesting for a moment that you should do something illegal or unethical. You need to check your state’s statutes and laws about recording conversations. Some states do not allow it unless both parties give consent. Some states allow it if only one of the parties is aware that the conversation is being recorded.

Know the law, and know your rights.

Don’t be surprised if some adjusters refuse to have their conversations recorded. That doesn’t mean that you should cave in to their lack of cooperation. You should insist on the recording, or politely refuse to speak with that person. But, it should tell you something about that person if he or she refuses to be recorded.

Be in control of when and where you accept phone calls about your claim. I’ve seen some adjusters that try to keep the insured off balance by making calls at unusual times, like early morning or late night. If you’re not ready to record the call when the phone rings, tell the person that it’s not convenient to speak right then and make an appointment to call him back. Always keep your appointments.

I can imagine that some of you reading this article think that this author is some sort of paranoid kook. Please let me assure you that I am. But I’ve seen countless situations in which an adjuster took a recorded statement, and then wrote a statement summary that wasn’t anything like the information on the tape. I’ve seen police officers fill out an accident report, and describe the accident completely wrongly. I’ve seen court testimony where the adjuster and the insured are questioned about an incident, and their stories are completely different.

Recordings of conversations put all of that to rest.

After you have a problem with a person who lies to you, or about you, it’s too late to record them then.

The old adage is, “better safe than sorry.” Sorry can cost you thousands of dollars. Keep a claims diary.

P.S. WARNING!! Do Not Buy Insurance, or Submit an Insurance Claim Without Visiting This Website!

check out: http://www.insurance-claim-secrets.com

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Is Social Security going to be around when you need it? Maybe NOT, YOU NEED RETIREMENT PLANNING and LIFE INSURANCE!

Here is the video on Youtube:

Advice on Personal Insurance & Commercial Insurance. Copyright ©. All Rights Reserved.

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