When you experience any kind of damage to your home, it’s always important that you read through your insurance policy. This is the policy that is put in place when the loss occurred. You’ll need your declaration page, your policy and any supplements that accompany it. Your declaration page will summarize your entire policy and your coverage, whereas the policy itself will list the conditions that need to be met in order to claim. If your policy perished in the disaster that struck your home, then you can easily apply for a new one from your insurance company. Reading your policy can be very confusing, there might be dollar limits on certain sections, and what may apply to one situation might not apply to another. This is why you need to hire a quality public adjuster in Queens to help you along the way.
The Value of Your Property
Your adjuster will take a look at your property, but they aren’t just assessing for damage. They are also looking at the value of the property and the damage done. This will ultimately come down to what payout you receive. If the slightest payment seems out of line, or unjustified then your claim will be sent to the underwriting department. If you do your claim yourself, you need to make sure that you name every last bit of damage. Failing to report, or under reporting any aspect of your home could result in your case being dropped, and this is something you want to avoid at all times. This can all be avoided by hiring a public adjuster, so you have nothing to worry about if you’re taking this route when making your claim.
Settling Your Loss
Another thing you need to think about when receiving your payout is the total damage covered. Some damage isn’t covered by your insurance policy, so although the damage is there you won’t receive a payout for it. If you want to help your adjuster, then there are a few things which you can do. Collect an inventory of the insured, damaged items within your home, gather quote receipts on repairs and print photos taken directly after the damage happened. This will help you to build a solid case when it comes to your case, as well as securing you a high payout. For more information about provider of public adjusters in Queens visit Rubin & Rosen Adjuster, Inc.
Rubin and Rosen is a quality provider of public adjusters in Queens. They have years of experience when it comes to flood, fire, theft and storm damage, so contact them today to find out more.
