Increase Your Insurance Claim
An insurance claim brings with it a pile of papers to fill out, meetings with adjusters and repair companies, and estimates that may or may not be enough to fully recover your losses. If you're concerned that your insurance check might not be sufficient, you'll want to take a look at these tips that could increase your claim.
- Claim everything. We know it seems silly to claim toiletries, school supplies, or condiments but if these items were damaged or lost due to a covered event, then you claim them. A $12 item here and a $3 item there can quickly add up. In fact, if you were to lose the entire contents of your refrigerator and freezer, you'd be looking at hundreds of dollars of items that will need to be replaced.
- Document everything. Digital cameras are inexpensive and can store thousands of photos, so put your digital camera to good use. Immediately after the covered event, start snapping photos of everything possible. Take photos from multiple angles and take pictures of items that will be disposed of right away. After all, the debris may be cleared before your adjuster arrives and you'll need proof that your items were part of that debris.
- Take an active role. The more actively you participate in the claim, the more likely you will be able to increase its final value. For example, if an estimate seems to low, question it or insist on getting a second opinion. If your adjuster says something doesn't qualify for compensation, ask him to explain why and then examine your insurance policy to verify the coverage.
- Retain a public adjuster. Public adjusters specialize in increasing insurance claims, and they don't charge upfront fees. In fact, Texas public adjusters, who are paid out of the final settlement, are only paid if a settlement is reached.