Don’t Say _______ to Your Insurance Company!

When you call your insurance company to make a claim, how you initially describe the incident can impact whether the claim will ultimately be approved and, if so, how much will be paid. What is the best approach to making your claim that will maximize the amount of funds that you are eligible to receive? Following are some tips:

• Call the Pros

The best option is to let a public adjuster, like Get Paid For Your Claim, handle the call for you.  After disaster strikes, instead of immediately calling the insurance company, contact us first. With your permission, we will contact the insurance company and file your claim. We will speak to the insurance company using their lingo, provide the detailed documentation they need, and even manage any follow-up questions that the insurance company may have. When the insurance company sends their adjuster out to review the damage, we will accompany them to ensure that they understand the full scope of the damage. Allowing Get Paid For Your Claim to manage the communications with your homeowners insurance company can help minimize the opportunity for undervalued or denied claims, as well as help you receive the full amount of funding that you need to rebuild your property.

If, however, you prefer to handle the communications on your own, we suggest that you keep the following in mind:

• Flooded / Flooding

If a pipe bursts and your first floor is covered in water, don’t describe it as “flooded”. To an insurance company, flooding means that groundwater has entered your home. Most importantly, homeowners insurance does not cover flooding, so you will not receive coverage for it. If you have a burst pipe and water entered your home as a result, the proper way to describe that is “water damage.”

• Wear and Tear

Sometimes roofs leak due to damage from a storm or other sudden, unpreventable occurrences. Other times they leak due to normal wear and tear or age. If your roof is leaking, it’s important to know why before calling the insurance company. Many homeowners are unaware that insurance does not cover roof leaks due to wear and tear. If you make a claim for a roof leak due to wear and tear, your premium may go up or your insurance company may choose not to renew your policy, even though the insurance company will deny your claim. For this reason, if you have an older roof and it starts leaking after a storm, it is especially important to call Get Paid For Your Claim so that we can advise on the best course of action.

• I think… or I guess…

When you make an insurance claim, don’t speculate. Stick to the facts. If you don’t know the answer to something, just say so. Along the same lines, it’s important to accurately represent the situation; don’t exaggerate the damage.

If you have suffered a major loss, you have enough stress already. Let the professionals at Get Paid For Your Claim handle filing your claim and working with the insurance company for you. 

Insurance companies have their own team of experts and insurance adjusters to advocate on their behalf.  At Get Paid For Your Claim, weadvocate for you.  As a licensed and bonded Public Adjuster, we help insurance policyholders who have been forced to use insurance to make a claim.

Our service is fast and to the point.  We get results.  We know how to strategically move the process along, while negotiating on our clients’ behalf toward the best possible outcome — the maximum settlement available.

The earlier a public adjuster is brought into the process, the better the opportunity to help you obtain a more favorable claim settlement. As soon as you engage our team, we swing into action on your behalf.  And, we support you throughout the entire claim process to achieve the maximum insurance recovery. 

For a free inspection and claim consultation, please contact us at any of our convenient Florida locations:

BOCA RATON

2255 Glades Road
Suite 324A
Boca Raton, Florida   33431
Phone: (954) 914-5454

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STUART

1 SE Ocean Blvd
Stuart, Florida   34994
Phone: (772) 291-1903

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FORT MYERS

9160 Forum Corporate Parkway
Suite 350
Fort Myers, Florida   33905
Phone: (239) 299-4050

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WELLINGTON

12161 Ken Adams Way
Suite 110-UU
Wellington, Florida   33414
Phone: (561) 223-6889

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VERO BEACH

601 21st Street
Suite 300
Vero Beach, Florida   32960
Phone: (772) 206-3310

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