Successfully navigating an insurance claim is an art form not easily taught. The insurance claim process is a complicated process, all dictated by the insurance policy purchased by the policyholder. This policy is a contract between the policyholder and the insurance company. Its purpose is to put the policyholder back to “pre-loss condition” as it was before the damages occurred, but its full of limitations, endorsements, and required compliance that stand between the damages and recovery. Policy language is often ambiguous requiring strategic interpretation in order to trigger coverage. In order to successfully navigate the claims process, one must be well versed in insurance language & have a thorough understanding of industry practices.  

When you report a claim, your insurance company does not simply ask you how much you need for repairs. They hire a licensed insurance adjuster to evaluate every aspect of the loss, from the exact details of what occurred to the damages sustained. This insurance adjuster works for them, not you, and is tasked with making sure all requirements are complied with, as well as applying any limitations or exclusions to your claim at their own will. All policyholders have the right to retain their own licensed public insurance adjuster to evaluate and present the claim on the policyholders’ behalf. Instead of allowing the insurance company to tell you what they want to pay, this allows the policyholder to enforce the benefits of their own policy and tell the insurance company how much they owe to bring the property back to pre-loss condition.