Damage to your home can be devastating. Getting repairs can be time-consuming and expensive. If you had a recent emergency home repair, you might be wondering when your insurance company will send you a check.
The Time Table
When you file an insurance claim in the state of Georgia, the company will have 15 days to acknowledge the claim and send you paperwork to fill out.
They will send you proof of loss forms which require you to swear that all the information you are giving about your accident is true. When you get the paperwork, you should send your signed forms back to the company as soon as you can. Remember to include all the evidence of your expenses.
When they receive your claim, it will be handed over to an insurance adjuster for investigation. The adjuster will have 15 days to accept or deny your claim.
If they accept your claim, they will make you a settlement offer. If you accept that offer, they will have ten days to send you a payment.
The amount of time it takes you to make your initial phone call and get the paperwork turned in can affect the amount of time it will take to receive your money. If you collect the proper documentation and call in promptly, everything will go much faster.
Documenting Your Accident
When you need a home repair done, you should contact a contractor for an estimate right away. If you get the repair done immediately, you should save a copy of the bill. If you cannot afford to get the repair done without insurance, you should save a copy of the estimate. If you need to stay in a hotel while the repairs are going on, you should save a copy of the bill for your accommodations.
If the insurance company denies your claim or offers you too little money, this can delay your claim. If you are unhappy with an insurance company’s settlement offer, you can call a public adjuster. A public adjuster is a licensed insurance adjuster who advocates for insurance customers rather than an insurance company. They can give you a second opinion on whether or not an insurance claim is fair.
The best time to call a public adjuster is before you fill out your initial claim. They can help you fill out your initial paperwork and help you get your documentation together.
According to hopepublicadjusters.com, public adjusters go through all of the same training that a regular adjuster would. Adjusters for homeowner’s insurance are knowledgeable about the cost of all of the different kinds of home repair.
When an adjuster investigates a claim, they might talk to a few contractors to get a professional opinion about how much repairs should cost. They might also take videos of the damage to your property.
Why it Helps to Have a Public Adjuster
Insurance companies are for-profit businesses that want to keep their money in-house. Although an adjuster who works for an insurance company may not blatantly lie, they may try to prove that the damage to your home can be fixed at a lower cost.
If you hire a public adjuster, they can give you a more objective opinion of the damage to your home and negotiate with your insurance company for you. Your home protects you from the elements and is your own private sanctuary. When it needs repairs, you want to get the very best materials and contractors money can buy. A public adjuster will help you get the compensation you deserve.