Stating the obvious: insurance only matters when you need it.
🖼️ The big picture: The process of filing a claim lacks clarity and certainty, often leaving the insured in a weak position.
- Not knowing what to do or where to turn for resolution.
🔬 Zoom in: For this example, we’re focusing on homeowner’s property insurance.
- The 2 foundational elements of every claim are:
👉 Prove the loss —> Was there a singular event that caused coverable damage?
- If a tree knocked your fence down on Friday and hail damaged your roof on Sunday, those are 2 events … meaning 2 separate claims.
👉 Define the scope —> What materials and labor are required to return your home to pre-loss condition?
- Even if a tree only damaged the left slope of your roof, your roof is a system and insurance will often pay for the whole roof to be replaced
🥊 Reality check: Results vary widely.
- From one insurance carrier to another.
- AND from one adjuster to another working for the same carrier.
✅ For your Smart Homeowner list
- It’s critical to work with a contractor who knows how to interact with your insurance carrier WITHOUT crossing the line into the practice of “public adjusting.”
- In complex situations, you’re best resource is a licensed public adjuster (PA) who can legally review and advise you based on your policy.
- A PA can either work on your behalf (typically on contingency) or can point you in the right direction … appraisal, legal, etc.
🔦 Pro Spotlight
Chris Patterson is a licensed public adjuster, consultant and estimator I’ve worked with for the past 5 years. His knowledge, expertise, passion, and follow through put him in elite company.
Whether you’re in the middle of a claim or just want to know how you would be covered in the event of a claim, reach out to Chris for a consultation —> 972-741-4851 or firstname.lastname@example.org.