Compensation – Not in a hurry!
Tornadoes, floods, forest fires … and we just started the hurricane season!
After the tornado in March, I published a top ten list of most important things to do, after your property is damaged in a disaster. The next ten bookings I will expand on each of the strategies in the Top Ten list.
Back in March we had here in metro Atlanta, an F4 tornado to hit downtown Atlanta. The tornado has about 300 million dollars in damages. About a month later, another grouptwisters struck by between Atlanta and Macon, about the same amount of this loss.
Now we see how all the tornadoes in the center of the United States, and massive flooding has taken four or five states, affecting hundreds of thousands of people. And do not forget the forest fires burned in Southern California.
But … cheer up! We have a long hurricane season that began June 1 and continues until the end of November!
The first strategy in the Top Ten list is …. Slow Down.
HowSometimes you have a radio of insurance or a TV spot to say how quickly they settle claims? That sounds really good, right? Who would not want their claim settled quickly?
But it is my experience that quickly resolved claims well below what they are worth. It 'almost as if the insured or applicant is willing to check the insurance company at a significant discount in exchange for speed is always a solution.
Do not let thePeople who are motivated by a rapid processing control.
I am not suggesting that you must drag their feet, and uncooperative in the process. You should be very collaborative … But according to his ideas, not the conditions of insurance. I say that if you are in control of the process, as it should be said, there are usually not taken quickly.
The process is moving in a concrete way, but should not be left in a hurry for a solution. Even if the insuranceSend to check a company before it is ready to govern, are not required to cash it.
We see the first 24-48 hours after a loss to have. No matter the disaster disaster if the loss is small or large, or jumbo. " No matter whether your loss is a loss of property … as a hurricane or a tornado, fire or loss of an incident … a car accident. There are some things you must do to protect yourself, your family and your property.
FIRECATASTROPHIC INJURIES storm (Hurricane / Tornado) or flood COMPLAINTS
First you need to check the path
1. Make sure all are safe and accounted for … including pets.
2. Call for medical assistance of all members of the family who needs it … including pets.
3. Relate to public utility companies. We send a technician for intercepting water, electricity and gas immediately. That alone increases the safety factor of damage to your home.
Talk to theFire Marshall and the local building inspector about the safety of the house. They want to be sure that it is safe for the apartment in order, after the loss of strength. If you are unsure, do not go in there … no matter what. You can replace stuff, but you can not replace YOURSELF.
AFTER utilities are off, and before the restoration of the institutions of society, the apartment … SURE to take the next step.
4. CAMERA WORK
Take a camera and a couple of videotapes. You may need oneHeadlights or other very light battery. If your house is not safe to cross, take video from any room in the house where there is damage. Take photographs of all the parties in each room. Make sure pictures of your damaged contents. Shoot material in cupboards … in drawers, in boxes, on shelves, in cabinets in the garage, where most garbage is stored. Take shots from all four sides of your house from outside. Take photographs of the wreck ofThe court, especially if you have a content item, the fire threw them in the yard.
If you do not get a video camera, then use a digital camera and take pictures, is still in progress. If you do not get a digital camera with a 35mm camera. Use your camera phone. Heck, cameras, disposable use. Just take the photos and DAMAGE TO GET YOUR FILM!
Never give the original negatives of the films or videos, the regulator. Enter request copies of the photos and videos, when they need it. KeepThe costs for photographs and videos … We can once again that the cost.
They want to know why the camera work is so important?
-A picture is worth a thousand words.
Photos triggers memories, and remind you of the building and contents items that were destroyed or damaged.
Time is of the essence. If you have not received the regulator for your property for a couple of days (or weeks in the hurricane) losses, and it is necessary to protect your property, you can see exactly the areas of photography that is protected fromThey cover or amend them. This way you have received proof of damage.
5. Notify your relatives or close friends of the loss. Friends and relatives can be extremely useful for you … But only if you can do what they do.
R. Do not take the advice of your friends and relatives if they have a loss just as you have experienced, and have always had every dollar owed success. If that actually happened, you probably have a copy of this book and followed my Instructions to the letter.
B. Friends and family can witness the great loss. We can help, photographs and video. They may be witnesses, when you meet with the governor or the contractor. You babysitter for you. You can temporarily store things for you. You can take care of your pets. You can make the beer goes to the store for you, while you are taking your complaint.
6. Notify the insurer. And 'certainly acceptable for the phone, the agent or company> Claim First Division, but be aware that many actions must communicate a written request. Make sure you know what your policy says, with regard to the language, the filing of a notice of loss. This is vital! If you notify your insurance company, your loss as to how the policy says to do so, the application may be rejected.
7. Determine what it will take to secure your property and to protect it from further losses. This is part of your responsibility inInsurance contract. If necessary, contact a company for disaster recovery to board the building, the roof or tarpaulin, or extract water, etc. If you do the work himself or allow others DO FREE job for you, the insurer can pay for your time.
8. Seriously consider taking a PUBLIC ADJUSTER (PA) to draw in the first 24-48 hours (see Chapter Nine out of public regulation) in my book.
9. If you have a service provider of emergency or a disaster Restoration ContactContractor, go to the site below to find one.
SUPER Important tip!
An entrepreneur of restoration is very different from the general contractor. Most general contractors do, alterations or new construction does not have the skills and knowledge that is a contractor for recovery.
First, the restoration contractor is familiar with the process of insurance and how insurance companies pay for the repairs. Restoration contractors use similar estimationSoftware used by surveyors and insurance companies. An entrepreneur who makes an estimate in a form acceptable to the insurance adjuster, or just annoys them, and slows down your complaint.
Find another reason for the restoration contractor is that most full-service contractor. Will make the situation temporary or emergency cleaning and the audit committee. It is just the equipment for drying and restoring water damage. Are you aware of the type ofDamage, fire, wind and water to make homes. Finally, they are the experts to give precise estimates for these particular types of damage.
General contractors, do not make their lives for the recovery of insurance is not that type of equipment and experience. Period.
You can also look in your local Yellow Pages under "Disaster Restoration" or "Fire Restoration" or "water damage restoration. Are you looking logos that "DKI say" or "ASCR" or "AAORC.
DKI – Disaster Kleen-upInternational. Headquartered in Chicago, IL, is a network of leading independent property damage restoration contractors across North America. You can ask for a referral to 888-735-0800 and be at the following address: http://www.disasterkleenup.com
ASCR – Association of Specialists in Cleaning and Restoration, Inc. is the leading trade association for cleaning and restoration professionals from around the world and the foremost authority, trainer and educator in the field. You can request aTransfer in your area at 800-272-7012 or visit the website: http://www.ascr.org
AAORC – American Association of Restoration Contractors, is a national network of reputable and reliable contractors who have first class restoration services to restore freedom. You can call toll free at 866-771-1525, or visit the website.
Please call at least two contractors to recover, if possible. Ask them to take home to check the damage within 24 hours after the loss.
Remember thisimportant point … there is nothing in your policy that you get two or three deals require. If two parties can be found a clever way that you like most and want to work. Check out the references and ask them a list of satisfied customers, you can call from any phone. ONLY AFTER THE CONTRACTOR INQUIRIES, you should rent it.
10. Time To Get ORGANIZED
Start a Document File
I will focus on the issue in a later article, because it is super importantand there is not much to say. So go get a box with a lid, with a start. Do not wait … do it now!
11. Satisfy the regulator. (Read the first chapter seven, a regulator of loss.)
The following procedure is to do what a professional claims adjuster to your first meeting:
Imagine, and his business card.
Sit down with the first and explain what you're committing a.
Find out if you have never had a loss before.
READ YOUR POLICYand answer all your questions.
Explain in detail the process of claims and the measures they are taking.
Explain the insured, what are your responsibilities in the process of claims.
Then, after all ….. you should visit your loss.
If your regulator does not do all the above too, basically in that order … You need to know that you may have a problem immediately.
Here's a hint on regulators. Most regulators are nice people, and do their bestto get along and be nice. From time to time, you will find an environment that is unpleasant, rude and sharp tongue. If you find that is not obtained by the independent regulator, which is assigned to your claim, call his boss and ask for a further adjustment to this question will be assigned. Make your request politely but firmly. You should not take abuse and mistreatment by a regulator. If the contractor claims do not change the adjustment, call the insuranceand ask them to assign the right to change other companies.
If you are dealing with the staff managed the commissioners of insurance, and always wrong to call his boss down and take another regulator. If the contractor does not cooperate, go to his superiors. Climb the ladder until what you want. If none of these works, call the state department of insurance, and a complaint.
Often, you can meet the adjuster at your home the same dayAs the loss occurred. This is the ideal situation. Some damage can be attenuated (to a lesser extent), the speed, the cleaning begins. For example, you have a line of ice maker supply these outbreaks, while you are away from home, and the red oak floor in your dining room is very humid. If you water from the soil and dry in the room quickly, the word is not likely to swell and buckle … and the floor can be saved. If you had to wait 1-2 days to get adjusted downwardwould probably be replaced at a cost considerably higher.
In this first meeting with the evaluator to requests for advance payments, if necessary. (See Chapter Nineteen advance.) If you have a loss larger yields, as they had the fire, smoke or water damage, you need to quickly replace some of these elements. If you have a loss, do not live in that situation, had to temporarily leave your home, you need money to pay for hotel rooms or shelters, or a short-term rent of a house orApartment (cover additional cost of living). Insurance do this kind of advance payments for the insured, if the advance is requested. Rare offering an advance.
That's it for this first strategy. Look for important information about other strategies in the Top Ten!
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This entry was posted on Sunday, January 24th, 2010 at 7:52 am and is filed under Expense Claim Articles. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
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