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Guardian Adjusting Blog
Tips and information on all types of property damage claims.


Claim Process

Rick Tapanes - Monday, August 24, 2015

Tips for Dealing with the Property Claim Process

The property insurance claim process in Florida can be tedious and exhausting. You often end up butting heads with the insurance company on a number of points while they drag their feet getting your claim processed and your property repaired. This can sometimes lead to bad decisions on the part of a frustrated or desperate homeowner. It is not uncommon for a claimant to accept less than they are due because they become overwhelmed with the process and just want to get their life back in order.

Below are some tips that will help you through the property insurance claim process and make it as smooth as possible. These guidelines are brought to you by the public adjusters at Guardian Adjusting Services. Public adjusters work on your behalf in case of property damage.

  1. If it was not done ahead of time, you need to inventory your damaged possessions. Include photos of everything and specific information, like serial numbers, where possible. Once everything is inventoried, estimate the replacement cost for each item. This will help you get compensated properly for those lost items.
  2. You are entitled to the full replacement value of any luxury items that have suffered damage. Do not accept valuations for replacement of these items. Receipts will, of course, help, so gather the ones that you can to make copies for the insurance company.
  3. Do not hire a remediation company to do your repairs. Some unscrupulous dry out companies may include reconstruction in their dry-out contract. If you are hiring a company to come to your property and perform an emergency dry-out, ensure that they are not slipping extra work into the contract you are signing in the middle of the night when you are relieved and happy to see them. Leave repairs and reconstruction to qualified contractors.
  4. Review your policy for provisions for additional living expenses (ALE). Many insurance policies provide funds for living expenses while your home is being repaired if you are evacuated from your home. So, there may be no need to sleep at a friend or family member’s home, or even pay for accommodations yourself.
  5. Do not sign off on your final settlement if you have not acquired the services of a registered public adjuster. Public adjusters work on your behalf and will deal with your insurance company to get you the highest settlement possible on your claim.

Give Guardian Adjusting Services a call now, ahead of any possible property damage. We will review your policy with you to identify any gaps in coverage and be ready to respond in case of a disaster. It is the best way to get the settlement you deserve.

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