Picture this…..it’s a perfect Sunday afternoon; you are doing your laundry while watching your favorite show.  An hour later you go back to check on the laundry and your washing machine has overflowed and there is a puddle of water on your floor……should you call your insurance company? 

The answer is:  probably not.

With insurance claims, an insured has to learn how to pick their battles.  Unfortunately, insurance companies do keep a tally on their customers.  Reporting too many small claims that could have been fixed by the insured can lead to premium increases or for large claims that do warrant the process, to be denied.  Insurance Companies are meant to cover big disasters….disasters that cause a dent in one’s financials, not small items that cause temporary discomfort.  If you seea spot on your ceiling and it just remains a small spot, it more than likely is not a cause of concern.  If the spot continues to grow and your ceiling starts showing discoloration, then it’s time to consider opening up a claim…preferably with the assistance of  a Public Adjuster.

There is no real formula to insurance claims, but, here are two helpful tips to consider before picking up the phone to call your insurance carrier:

1)      If the damage is under $1,000, try to repair it yourself.  Often times an insurance deductible surpasses the $1,000 mark.

 

2)      Call your local Public Adjuster for a free consultation.  A Public Adjuster has a trained eye and can instantly assess the magnitude of a potential claim.

 

Finally, analyzing whether an insurance claim should be submitted requires some hedging because there is something called neglect or not mitigating damage in your home. Homeowner’s policies specifically exclude problems that result from rot or other indications that you have failed to properly maintain your property.  You are also penalized if you make the problem in your home worse.  For example, if damage on your roof causes a hole in your roof and you leave it uncovered, you can lose your argument on coverage for contents that were exposed to further damage.

In short, be prudent with your insurance claims and always seek the assistance of a licensed Public Adjuster.  They can help you analyze a potential claim and point you in the right direction.  If it is a large claim, a Public Adjuster can take the process off your hands and negotiate the claim for you, so you can concentrate on rebuilding. A Public Adjuster works on a contingency basis which means if there is no recovery, there is no fee.  

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