Why You Should Get Your Own Property Damage Estimate
As a homeowners insurance policyholder, you enter into a trust agreement with your insurer: you will pay your premium and the insurance company will pay for covered property damage if you incur it.
It’s a good idea at first, but what happens when the crunch comes and you trust your insurance company to honor their end of the bargain? Too often, our experience is that insurance companies put their own interests first and do everything in their power to pay as little as possible or avoid paying at all.
How can you avoid it? We’ve put together a guide to help Florida homeowners make sure they get the settlement they deserve.
Insurance company adjusters have a goal
Remember, it is in the insurance company’s best interest to pay the lowest value possible for property damage claims; after all, they are a for-profit business. This means that any adjusters brought by your insurance company have the underlying purpose of minimizing the damages incurred, lowering the value of your property damage claim. What Does An Insurance Estimator Do?
Benefits of a second opinion
Knowing this, how do you make sure you don’t get an unfair settlement that doesn’t cover the true cost of damage to your property? This is where a second opinion comes in. You need a property damage estimate prepared by someone who is on your side. – Someone who is on your side and knows what your insurance policy should cover and is able to put all that information into a format recognized by the insurance company. Without that, how would you know if you’re getting a fair settlement?
In fact, you can also request a free damages assessment from a Florida insurance lawyer, such as Florida Professional Law Group. Call us at 800-529-4141 and we’ll schedule an appointment right away.
Advocating your claim
In some cases, your insurer may continue to pressure you to either reduce your claim; or taking excessive time to process it; or even deny it! If this happens to you, consider seeking experienced legal help to prevent these types of tactics from being used.
At Florida Professional Law Group, our inspectors and estimators work across the state, carefully examining and documenting all damages they find related to the incident in question – so you can be sure you’re truly getting a fair property damage estimate. and accurate information for your claim, prepared by professionals who are on your side. Also, if your insurer tries to deny the claim or underpay it, we know the law very well and understand what it takes to help you defend yourself. Because if you keep your end of the bargain, you deserve a fair settlement. Contact us to see how we can help you.