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Mitigate your damages – Your insurance policy states you have a duty to protect the property from further damage. Therefore, you must take reasonable steps to protect the property including boarding up windows and doors; tarping the roof; moving items out of harm’s way; extracting water from the property and anything else that may be necessary to protect the property from additional damage.

Notice of claim – Next, you will want to notify your insurance company of the claim. You should either call your agent, or call the after-hours insurance claim reporting phone number, or file it on line with your insurance company.

Don’t disturb the scene – Be sure that you do not disturb the scene until the insurance company has had an opportunity to inspect the damages. They will want to investigate what caused the damages, so you should not move things or alter the scene until they give you permission to do so. Also, do not throw things away until your adjuster gives you permission in writing that you can do so. This is your evidence and should you throw it away, your insurance company does not have to pay you for it.

Prepare your claim – Most people think their insurance company will come out and tell them how much they have lost, and pay their claim. The fact is, the policy states that you must compile an inventory and present your claim to the insurance company in a certain period of time, usually 60 days. This means that you have to complete a full inventory of damaged contents and obtain a detailed estimate for the repairs to the building.

Do not hire the first contractor that shows up at your doorstep – A disaster attracts a crowd. While most of them want to help, sometimes hiring the first contractor can actually hurt you and your claim. Take time to sort out your claim first. Then you can interview several candidates and check references. You will be working with them for some time and you want to ensure that they will be a good fit for you.

By following the above steps, this should help you get through your claim. Remember, it will take some time to settle a large claim. This means several months of documenting damages, gathering information and eventually negotiations with the insurance company.

When a home catches on fire, no one is really prepared for what comes next. This is something that not many people plan for in their lifetime. However, homeowners’ actions after a structure fire are some of the most important ones they will make. Here is a look at the top mistakes homeowners make after suffering a house fire.

Throwing things away

Resist the urge to trash items that have been ruined in a fire. Chances are you are going to need them to prove your claim. Throwing things away will give insurance companies an easy way out of paying what you rightfully deserve. Those items are not trash, they are proof.

Clean up

There is a natural inclination among most homeowners to clean up after a fire. But there is a fine line between securing your place so that it sustains no further damage and wiping away remnants of a fire. The insurance company needs to see the damage, so it’s a good idea to put the tools away and let the damage speak for itself.

Signing documents

Insurance companies are looking to settle as quickly as possible and for as little money as possible. This may prompt them to ask for your signature on something you don’t fully understand. Don’t sign anything without talking to a public adjuster.

Trust the insurance companies

Some insurance agents will make it seem like you are their No.1 concern and priority after a fire. The harsh reality is you are not. Insurance companies are in business to make money. If they always look out for the customers, business will not be as lucrative. Remember they are not on your side no matter how nice they appear to be.

Don’t make records

It is vitally important to your claim to compile detail records of the items that have been damaged or lost. Taking pictures and making a list are essentials as it is a way to provide proof to your insurance company that your claim is substantiated.

Restore the home yourself

After you have handled the insurance essentials, the restoration of your home should be left to the professionals. Otherwise, it will cost you more time and money. It is important to seek out a company that is certified in fire damage restoration and repair. This will allow your home to be properly repaired as there are certain ways to deal with fire and smoke damage.

For more information on the best ways to handle fire damage claims, contact your local AmeriClaims adjuster.

The aftermath of any disaster is never a pleasant time. And when your home or business is damaged, it can really take a toll. People often find themselves very down after experiencing such a loss. That could leave them vulnerable to insurance companies who are looking to pay out as little as possible.

Some people believe that insurance companies are supposed to swoop in and compensate your losses. That is not the case at all. Don’t expect them to be willing to just throw money at you. It is not their business to lose money, so they will respond by trying to pay out as little as possible.

That means they could try and scrutinize everything about your claim. Don’t take it personally. That is their business and it is the same for the majority of people who file insurance claims. Just realize that your insurance company is not always your friend. And when you file a claim for property damage, they often become your enemy.

There are certain steps you should take right after your home or business sustains damage. That is simply the beginning of what can be a long fight between you and your insurance company.

Hiring a Florida, North Carolina or South Carolina public adjuster will provide you with help in that fight. It is the business of a public adjuster to know the ins and outs of all the games that insurance companies will attempt to play. And all that is done in an attempt to pay you as little as possible. Here are some helpful hints you can do to help in that fight:

• Make records of all communication with insurance company
• Gather receipts of all damaged items
• Follow the advice of your Florida, South Carolina, or North Carolina public adjuster
• Save all receipts of expenses incurred while waiting for repairs
• Pay for all contract work with credit card or check

You should also be prepared for a lengthy battle, one which might force you to live elsewhere for a while. It may be an inconvenience, but remember that it is only temporary. Also, keep in mind that doing all the right things through this process could allow you to return to an even nicer home or business when a settlement is reached.

AmeriClaims will stand by you through the claims process and advise you on how to handle each step. It pays to have a professional in your corner and AmeriClaims Public Adjusters are ready to take on insurance companies and start fighting for you.

Disaster can strike at any time and no home is immune to fire, vandalism, storms, or other acts of destruction and nature. When your home sustains damage, there are several steps that will get you compensated for your loss. It is important to follow these steps in order to be compensated fully by your insurance provider.

Mitigate Damage

Within your insurance policy, it clearly states that you have the right to protect your property from incurring any more damage. That does not mean you need to take excessive measures. However, according to an AmeriClaims public adjuster, it is important to take steps to protect your home that are within reason. The following measures should be taken in the event of a disaster.

• Board up broken windows
• Cover holes in roof with a tarp
• Remove excess water from home
• Move valuable items out of harm’s way

Do Not Disturb

Following a disaster, there is usually an instinct to clean things up. Avoid that instinct. An insurance company will want to come over to your home and inspect the property damage. The only way that can be done accurately is to leave the damage as it is. Also, do not move things around unless they pose a danger or threat. This includes throwing any items in the trash.

Remember that after a disaster, everything in your home is evidence. The way to get paid for your damages is to provide actual evidence. Anything that is thrown away is like lost evidence that might have otherwise proven your claim to be true. Being short on evidence makes any claim a very weak one, with little chance of getting any reimbursement.

Hire Wisely

After a disaster, contractors have a tendency to show up at people’s doorstep unannounced. Some may have good intentions, although soliciting door to door does not scream credibility. The first contractor who contacts you may not necessarily be the best match. It is important to first sort through the details of your claim. Once that is done, it is a good idea to interview more than one candidate. You will want to check references, and their better business bureau rating. You do not need to hire a contractor right away.

When disaster strikes your home, AmeriClaims will send out a professional public adjuster who will make sure you get every cent you deserve. For the top public adjuster in the Southeast US, contact AmeriClaims today.

The aftermath of a fire can leave a lot of your items damaged, but that does not mean everything is lost. Some items that are damaged by smoke can be repaired. However, this is not a typical household cleaning job as there are experts to turn to when it comes to fire damage restoration and repair.

It should be noted that the soot and smoke left by a fire can be nearly impossible for homeowners to clean without the use of professional equipment. That is because much of the stains left by smoke lie penetrate items beneath the surface. That could require a deep scrub accompanied by sanding and potential refinishing. Here are some more helpful hints when repairing or replacing smoke damaged items.

Get started right away

It takes a matter of minutes for smoke to discolor items. Within hours, smoke can residue can begin to stain bathroom floors, porcelain, countertops, appliances and furniture. Waiting for days can do even more damage as that could lead to a permanent yellowing of the walls, corroding metal while upholstery will be stained permanently. Needless to say, smoke damage should be addressed as soon as possible.

Wood items

To repair wood items with smoke damage, there is a couple of options. Unfinished wood can sometimes be fixed by applying a sealant that will attempt to conceal the odor of smoke. Finished wood is often more salvageable. Stripping the surface layer before sanding and finishing can repair those items. This also applies to wood floors. While it may sound simple, it is a job that is best handled by professionals.

When to replace

Re-grouting tile counters that are unable to be cleaned is a painstaking process. At that point, it is best to replace the stained countertops. Carpets can be cleaned if they have been affected by just a light amount of smoke. But when the smoke is heavy, it’s time for a new carpet. If you have a laminate floor, it is important to check the foam layer underneath. If that has been damaged by smoke, replacement is in your future.

Remove items

Items that are damaged by smoke should be removed from the home, even if you are trying to repair them. Removal will serve the function of mitigating the smoke damage. The longer those items remain in your home, the more damage they could do framing, walls and other structural components.

Making decisions on whether or not an item or structure is best repaired or replaced can be difficult, even with the information provided above. That is why a good first step to recovery is to call your local public adjuster. They will perform a professional assessment of the damage and work with the insured to make the repair vs. replace decision as well as determine the next steps in their best interest.

Remember, public adjusters work for claimants, not the insurance companies, and AmeriClaims’ clients routinely get significantly larger cash settlements than what their insurance companies originally offer. Tough times are made a bit easier with a AmeriClaims public adjuster on your side.

Home insurance policies are designed to cover costs that would normally cause a severe dent in people’s bank accounts. But when it comes to reporting smaller claims, there are some important things to remember.

Minor damage to a home during a thunderstorm or other act of nature often compels people to call on their insurance company to help pay the cost of repair. A common deductible on home insurance policies is $500. Before filing a claim, consider just how much the cost of repair will be. If it is a mere $50 to $100 over the deductible, then it is not always worth filing the claim. It will return you that extra $50 or $100, but it could also have an effect on your policy moving forward. Remember that the more claims you file, the more it may affect your insurance policy.

Continual claims could cause your insurance company to negate your renewal. Quite often, insurance companies consider a series of small claims a precursor to a bigger one that is all but inevitable. However, negating a renewal is not the only move insurance companies will make.

In the wake of a small claim, insurance companies can add a surcharge to a home insurance policy. That means an increase in your premium. So while it may seem favorable to file a claim that would get you $50 to $100 over your deductible, the increase in premium will actually cost more than that in the long run.

A home or auto insurance policy that costs $600 per year might then be raised by 20% over the next three years. That is an additional $360 over three years, which far exceeds that $50 or $100 that was saved by filing that small claim.

Another way to save money is to raise your deductible. You will have to pay less on your premium and you will still be covered for that big disaster in which insurance is definitely needed.

One thing to remember is that insurance companies do not consider homeowner’s policies as a type of maintenance. It is viewed as a policy that attends to damage on a much greater scale. And if and when that happens, homeowners should be prepared for that big one with an insurance policy that has not been compromised by a bunch of smaller claims.

Policyholders in the Southeastern U.S. are not alone when it comes to disaster recovery. They have AmeriClaims Public Adjusters to turn to for expert knowledge and experience. AmeriClaims has everything you need to help with the homeowners insurance claims process and get the cash settlements you desire. Take the first step by contacting one of our Georgia, Florida, North Carolina, South Carolina or Virginia public adjusters today for a free claims consultation.

Buying a home and making it your primary residence comes with the task of purchasing homeowners insurance. However, insurance is a bit different when a home is used as a rental property. Here are some important things to know about insuring a rental property.

Liability Protection

Since people will be coming and going in and out of a rental property, it pays to have liability insurance. If someone gets injured on the property, this will protect the owner. This applies to renters and even contractors who may occasionally do some maintenance. Slip and falls are common, but liability insurance will also provide protection in case of a fire. It also does not pay to be cheap when purchasing liability insurance for your rental property. Think of it as an investment that serves to protect your investment. Liability insurance is not very expensive, which makes it wise to load up.

Dwelling Insurance

It is common to assume a homeowner’s policy is needed when you own a rental property, but there are differences within the specifics of that policy. For example, a homeowner’s policy protects possessions within the home. Owning a rental property does not always mean owners have to use a policy to protect their valuable possessions. However, the building itself still needs insurance. This is where purchasing dwelling insurance comes into play. This type of insurance will cover the actual building in the event of any damage.

Vacancy Coverage

Not every rental property is always going to be rented. There are some spans of time when those properties are vacant. That provides the chance of vandals going in and causing damage to the place. Insurance companies will attempt to deny claims that are filed without vacancy coverage. One way to ensure that does not happen is to prepare for any unexpected damage while no one is occupying the rental property.

Rental Loss Coverage

If vandalism or an act of nature forces tenants to move out, the right rental loss insurance coverage will see to it that you still receive the equivalent of rental income. This is one more way to get as much money as possible from your insurance company should an unavoidable occurrence force your tenants to move out.

AmeriClaims is ready to stand by your side when you file a claim as we maintain our status as the top public adjuster North Carolina has to offer. We are also considered to be an experienced, top-quality public adjuster throughout Florida, Georgia, Virginia and South Carolina who can help with every detail of your claim.

We all say we hope for the best yet must expect the worst, when it comes to storm damage. But it isn’t something we often practice. After all, the number of homeowners who actually expect storm damage are very few – even during the peak of the hurricane season.
Therefore, when homeowners suddenly find themselves in such a situation, they might not know what to do. This may lead to insurance companies taking advantage of the situation to get out of a bigger paycheck.

Here are 5 key steps you should take when dealing with storm damage:

Step 1: Check Your Home For Any Damage

When the storm has passed and it is okay to come outside, make sure to inspect the entire property to assess any damage. Make sure to do this in broad daylight, and be on the lookout for potential hazards such as exposed electrical wires, downed power lines, broken glass or standing water. Make sure to document all the damage by taking pictures and videos.

Step 2: Contact The Insurance Company

Storm damage is covered in most insurance policies, making it essential for you to contact your insurer as soon as possible. The sooner you reach out, the faster the insurance adjuster will arrive at the scene. Make sure to also review your policy prior to filing your claim. In case you lost your policy during the storm, ask your insurer to send you another one.

Step 3: Contact Your Restoration Company

Once the aforementioned is done, it is time to get the storm damage cleaned up. Since you have no idea about the extent of the damage, it is best to hire a restoration company to get the cleanup done. Make sure that you have documented all items before, during and post-restoration. This will help you when you file your claim.
As a general rule, insurers visit the homes of those policyholders whose homes have incurred the larger share of storm damage. This means that your insurance adjuster might take days or even weeks to reach you. If this is your situation, you can contact us – we will arrive at the earliest and get the claims process started at the earliest.

Step 4: File Your Claim For The Damage

Regardless of where your adjuster is from (i.e., a public adjuster or one coming from your insurance company), it is very important that you fully understand your policy and its implications. Remember, even the smallest of mistakes can result in shorter payment, delayed payment or the dismissal of your claim. Of course, having a public adjuster simplifies things for policyholders by guiding the latter through the claims process personally. They will help you gather essential information, such as taking pictures of the initial damage, and get you the settlement you deserve.

There are three key benefits to hiring public adjusters:

• Efficient resolution: Filing a claim yourself can be laborious, especially if you don’t have an understanding of legal proceedings. Public adjusters can help you navigate the process, and avoid any tactics your insurers might have deployed to delay the process.
• Better claims management: Public adjusters can manage the entire claims process on your behalf and in your best interest, allowing you to focus on getting in better shape.
• Bigger settlement: Insurance companies often say they will give the maximum settlement – but in reality, they rarely do, and might even employ unethical tactics to keep it that way. Public adjusters are well aware of these and will make sure to prevent insurers from paying you any less than you deserve.

Step 5: Move-In To Your Restored Home

Always remember to return to your home only once you have the approval from your insurance and your restoration company. This is both for your safety and for legal reasons. While your claims process might not have been completed when you move in (which is usually the case) – returning to where you live will give you a great sense of peace.

Several types of damage to your property require different types of solutions. However, insurance companies are going to attempt to fix your property by spending as little as possible. That does not mean you always have to settle for what they initially attempt to offer you, especially with an expert public adjuster on your side.

Water damage and smoke damage can affect property in all sorts of ways. In some instances, it may appear that a thorough cleaning will return your property back to the way it used to be. But this is different from actual replacement. Even professional water/fire clean up services cannot undo all damage. And when an insurance company is required to replace your property, you don’t have to settle for just a cleaning.

In instances of smoke damage, an insurance company may claim that cleaning will restore household items like drapes, carpet and furniture. However, there is no way to guarantee this will restore all of your property, even though insurance companies will try to convince you otherwise.

Water damage falls along the same lines. In many cases, insurance companies will offer a cleaning service in an effort to cut on costs. But that does not always account for any underlying damage caused by excess water. That damage might pose problems in the long term.

The bottom line is that when you have a replacement policy, you have the option whether to repair or replace your property. Replacement claims spell out the fact that replacement is what is required, yet insurance companies will usually try to talk clients into a cleaning instead. Another tactic they will use is actually providing you with a cleaning service they recommend.

Be wary of these ploys as they are ones a public adjuster can detect right away. There are several ways insurance companies attempt to manipulate their clients and pushing cleaning over replacement is just one common example.

Replacement cost policies are intended to reimburse the full cost of your property. You are entitled to receive a new item as if you walked into a store and bought it yourself. That can be costly for insurance companies, which makes sense why they would try to push cleaning services as an alternative. Remember that even if the claim is disputed, you do not have to settle for a mere cleaning.

At AmeriClaims, we know what you are going through. Headquartered in Charlotte, NC we also help clients in Florida, Georgia, South Carolina and Virginia get fair payout on their claims. AmeriClaims can provide you with a trusted North Carolina public adjuster that won’t let you settle for less than you deserve. You can avoid insurance company tactics by enlisting the services of AmeriClaims, the top public adjuster VA, NC, SC, GA and FL offers its residents.

Insuring a condo or townhome is different than insuring a single home because the property is attached to a larger complex. According to AmeriClaims Public Adjuster, there are special considerations to make and certain factors you should know when it comes to townhomes and condo insurance.

Since owning a townhome or condo means that you belong to a larger structure, there are maintenance requirements to account for in most HOAs (Homeowners Associations). There are several common areas that are used by the whole community and these areas also need to be insured. The condo or townhome association takes care of insuring those areas, which is why there are association fees every owner must pay. But keep in mind that personal property and liability within your condo or townhome is not covered by simply paying HOA fees.

Condo Insurance

Condo insurance generally provides coverage on the majority of possessions within your individual unit. A bare walls-in policy covers all real property within a condo, which includes personal possessions, appliances, furniture, and décor items. Those looking for more extensive coverage in their condo can opt for an all-in policy. However, damages to shared amenities, the exterior structure and land all fall under the master HOA policy. Condo owners do not actually own any land, just a certain amount of space within a complex. The risks covered by your condo insurance cover the following:

• Fire or smoke damage
• Hailstorm, lightning and high winds
• Civil unrest or riot
• Car crash into complex
• Theft and vandalism
• Building collapse
• Falling objects

Townhome Insurance

Townhome insurance extends to all of the areas on the deed. That includes the land outside the townhome in addition to the interior and any balcony. Townhome owners own the land on which their unit is built, which means they need to have liability coverage should someone experience a slip and fall on their premises. The type of association and its specifics will detail what should and should not be covered with individual townhome insurance.

There are some townhomes that have no HOA that provides insurance for common areas and maintenance the way most condo HOAs are set up. In those instances, the same kind of homeowner’s insurance policies for single homes would apply to townhome owners.

In case you live in a higher risk area such as the South Carolina and Florida coasts you will want to make sure your insurance protects against natural disasters. If disaster strikes AmeriClaims can help commercial and residential property owners, including condo owners and townhome owners, through the claims process. A public adjuster will review your policy and make sure you receive exactly what you are entitled to according to your insurance policy.

When your home is damaged by an act of nature, fire, flood or vandalism, you are entitled to an insurance settlement so that you can put the pieces of your life back together. However, receiving that settlement is not accomplished by making a simple phone call. You must prove all of that damage in order to receive compensation for your claim and here’s how to get that done.

Document Damage

The first step in proving your claim is to document every shred of damage. That includes listing all of your damaged items and providing a detailed description for each one. Provide the purchase date and the expected cost to repair or replace the item. Another highly recommended task is to take plenty of photos and videos of the damage. And don’t throw out any of those damaged items before your insurance company sends over a claims adjuster. The more documentation of damage you have, the better chance you have of proving your claim.

Structural Damage

Check for structural damage and carefully document every crack, nick and missing roof tile. It is also a good idea to have your electrical system inspected by a professional and keep in mind that many insurance companies will pay for such inspections. It is also best to contact a public adjuster to assist you through the process.

Keep Receipts

In some instance, you will need to make temporary repairs to prevent further damage. For example, if a storm caused a hole in your roof, you will need to close that hole to prevent additional damage. Keep receipts for every repair you made and don’t go out and make any major repairs right away. That could hurt your ability to prove your claim.

Obtain Written Estimates

Find a local contractor and obtain an estimate of what it would cost to repair the damage. Make sure this estimate is very detailed and includes the materials needed, expected timeline for completion and overall labor costs.

Organize

Keep all of your documentation, estimates and receipts in order by going out and buying a binder or portfolio. Also include every record of every conversation with contractors, insurance company reps, etc.

Avoid Making False Claims

Some homeowners may become a little greedy and start listing items they really did not own. This tactic could not only disprove your claim, but it could also lead to legal repercussions.

AmeriClaims, Inc. is ready to help you prove your claim and get the settlement you deserve. For the best public adjusters Florida, Georgia, South Carolina, North Carolina and Virginia have to offer, contact an AmeriClaims representative right away and let us start working for you.

When purchasing an insurance policy for your home or business, there is the option of choosing actual cash value. This provides you with cash for your damaged or lost items, but there are a number of reasons why purchasing this type of insurance is a bad idea.

Actual cash value sounds more appealing than it actually is for homeowners and business owners. The interpretation of actual cash value is one that is not exact. It could be more accurately termed as fair market value in many jurisdictions. The actual cash value is what would be paid for an item if it was sold in its current condition and not what it could cost brand new.

The main problem with actual cash value policies is that it factors in depreciation. It does not matter how much you paid for an item. You usually wind up receiving far less than that amount. Some courts may even consider older model items to be outdated and further reduce their value.

If your home incurred storm damage and your 7-year old hot water heater ruptured as a result, your ACV policy would not pay for the entire cost of a new hot water heater. Instead, it would appraise the old water heater and pay that amount towards the cost of a new water heater. Even if that old hot water was in peak working condition, the insurance company would factor in depreciation along with wear and tear.

If an item is stolen from your home, then the insurance company will automatically figure that wear and tear affected that item. So if a barely-used three year-old camera was stolen, the insurance company would assume it had three years of heavy usage. Coupling that with the fact that it is a dated model, the ACV payout is likely to be rather minimal.

The insurance company adjuster will use a formula to appraise these items, which includes age and category of the specific item or property. There adjuster’s account will also be considered as his/her report will influence the final ACV.

What ACV does is actually give insurance companies a lot of wiggle room when it comes to paying you as little as possible for your damaged, stolen or lost property. It can work against homeowners and leave them with much less of a payout than they would normally expect to receive.

AmeriClaims helps homeowners and property owners with all of their insurance claims as a trusted South Carolina public adjuster. Don’t settle for less than you deserve as AmeriClaims can help with your insurance claim.

There is a detailed process that comes with filing an insurance claim for property damage. How that process is handled can affect your overall settlement. That is why it is just as important to know what not to do after you experience a claim. Here’s a look at some things to always avoid.

Do not make repairs

The natural response to damage would be to make immediate repairs, but it is important to resist that urge. The insurance company will need to make a firsthand account of the damage in order to assess the cost of repair. Repairing the damage prematurely could cause you to lose out on a good deal of money. Be patient and wait it out.

Do not wait to notify your insurance company

Immediacy is important when making an insurance claim. Once you are out of harm’s way, the first thing you should do is contact your insurance company. Delaying could lead to your claim being denied and, in some instances, a lawsuit filed against you by the insurance company.

Do not trash damaged items

The insurance company will come out and conduct their own documentation of the damage. Until that happens, leave everything as it is. Also, hold onto any receipts you have from the damaged items as they will help legitimize the value of those damaged items. Throwing out damaged items could give insurance companies reason to deny coverage.

Do not be told which vendors to use

Insurance companies will come out and recommend using certain contractors to fix the damage. You do not have to abide by those recommendations. You can select whichever contractor you want. Do your due diligence when finding these vendors and don’t be duped into believing you have to use certain ones.

Do not let settlements go to anyone else

Don’t permit any of your insurance settlement to be paid directly to a contractor. If a payment goes out to them before the work is finished, then that could affect their workmanship and attentiveness. Make sure any insurance payouts are made directly to you and then you can pay any contractors accordingly.

AmeriClaims is ready to stand by you all the way through the claims process. As a top Charlotte public adjuster, we won’t let insurance companies take advantage of you during your time of need. AmeriClaims is ready to start working towards getting the settlement you deserve.

Insurance claims are all about fixing something that has been damaged. In instances when a home or business is damaged, property owners will want to make repairs and replace their property as quickly as possible. However, property owners do not have to do either of those things and here is a detailed glimpse at why that is the case.

Insurance policies were designed so that property owners do not have to make repairs or replace their property. All they have to do is report the damages. And in order to assess the damage in its entirety, insurance companies will need to get a close-up view of the damage.

Now, this process will not happen overnight. The good news is that it will happen as long as you follow the proper protocol and that does not mean conceding to the suggestions of your insurance company.

Within every insurance policy, there is something called Additional Living Expenses. This covers the costs of your day-to-day living while repairs are being made to your property. Keep all receipts and submit them to your insurance company for reimbursement. And the longer it takes insurance companies to fix your damaged property, the longer it has to keep paying these living expenses. That could prompt them to speed up the process and take more immediate action.

Nevertheless, you will not have to repair a single thing. You can also select which contractors you would like to make the repairs. They are the ones who will be entrusted with fixing your home. You will still have to maintain mortgage payments that were in place before the damage, but it will not be on you to make any repairs.

Any repairs that you do make could be contested by your insurance company and it could also be used to lessen your settlement. In some extreme cases, it could be used to deny your claim.

Clearing debris is not deemed the same as making repairs and this is something property owners can do, in addition to closing up holes that could lead to further damage. However, the extent of that generally applies to boarding up windows or covering a hole in the roof with a tarp.

AmeriClaims provides residents of the Charlotte area with someone they can turn to when faced with any kind of property damage. Our public adjusters will walk you through the process and level the playing field so that insurance companies cannot take advantage of you. After disaster strikes, strike back at insurance companies by contacting AmeriClaims right away.

There are lots of reasons it pays to hire a public adjuster after your home sustains a fire or any other type of damage. First, it is important to know that a public adjuster is working for you. Insurance companies have teams of people working to either deny your claim or pay out as little as possible. It is always important to have someone on your side and here’s a look at more ways a public adjuster can benefit you.

Time is on your side

Wading through the insurance claim process involves a fair amount of paperwork. That takes a lot of time to complete. The back and forth correspondence with insurance companies also takes time. Hiring a public adjuster puts time back on your side and allows a professional to handle all those time-consuming details.

Expert insight

Most homeowners are not well-versed in the more minute details of their policy. A public adjuster knows what’s what and can understand all the fine print. That helps immensely because you may overlook something of great importance when attempting to handle your own claim.

Because you mean business

When you hire a public adjuster, an insurance company knows it cannot get away with offering you an insufficient settlement. This will change their tactics. Bringing on a public adjuster will show an insurance company that you mean business as you now have a professional to help you through each step of the process.

Expedite the process

A public adjuster will be able to put your claim on the fast track. Insurance companies make requests during the claims process and if you are unsure of what you are doing, it may take multiple attempts to complete those requests. This could put an unwanted delay into the entire process. An adjuster can complete each step quickly and efficiently.

More money

Multiple studies have shown that settlements are larger when a public adjuster is involved. Even though you have to pay a public adjuster, you could still wind up receiving more money because the payout is likely to be significantly higher.

A better state of mind

Handling a claim yourself brings on a lot of worry and stress. But when you turn over your claim to a public adjuster, you also relinquish much of your anxiety. This means you will not have to constantly worry about mishandling the process or trying to learn an entirely new process. You will be in a better overall state after hiring a qualified public adjuster.