How Can I Learn More About Negotiating with my Insurance Company?
One of the best ways to become skilled in negotiating with an insurance company is by talking to the experts – Jacinto City attorneys and public adjusters. Experienced lawyers deal with insurance providers on a regular basis, and are intimately familiar with lowball tactics, as well as what is a fair amount settle for.
Consult with an Jacinto City insurance bad faith attorney about ways you can negotiate with an adjustor to get the best settlement offer. Or, if you don’t feel comfortable negotiating on your own, consider hiring legal representation to intercede on your behalf to make sure you get the compensation you deserve.
The Best Rental Property Insurance in Texas
Does Your Homeowners Insurance Cover Natural Disasters?
How to work with insurance companies and avoid getting ripped off
Insurance claims are a reality of life and in this article I will show you the basics of preparing for and filing them. Whether you are involved in a car accident or have to go into the hospital, filing claims are a essential part of that process. Here are some basic points to consider when filing.
1. Keep up to date on your insurance policies.
There is nothing worse when filing a claim and to find out that your insurance policy does not cover you. Many times we take for granted that our insurance is up-to-date and will handle any emergency, but then when we go to file and we find out that either our insurance does not cover our expenses or that we are denied because we are no longer covered.
3. Make sure your keep all your documents and receipts.
Keep all document you receive about your insurance and keep them in a safe place (In a safe or safety deposit box, if possible). Also, have your insurance agent date and sign the receipt as an added safeguard. Trying to file without those precious documents is leaving yourself open to being challenge about your claim with nothing to back you up.
Well, there you have some handy tips on how to prepare for and handle insurance claims. I will be providing more handy tips and information about this in future articles and posts.
Insurance Claim Supplements - How to Submit Claim Supplements
Most people buy a new home, get homeowner's insurance, and sit back thinking they are protected in the event of a natural disaster. That is what insurance is for, right? Well, yes, and no. The fine print of your homeowner's insurance is likely to have a list of what is covered, and not a whole lot about what is not covered.
Take flooding, for example. Your policy may state that you are covered from damage by rain. What this means is that you are covered from water falling from the sky. If your roof springs a leak, and you've kept up with proper maintenance, then in theory your roof will be covered when it collapses under the pressure of a big thunderstorm. But if that same storm causes the stream that runs through your back yard to overflow and run into your basement, you are most likely not covered for that damage. But wait, the rain from the sky caused the creek to flood, so it is all rain damage, right? Um. No. Rain, by the insurers standpoint, comes from the sky. Flooding comes from the ground. So you are not covered.
The problem with this plan is that insurance companies are all about lessening their risks. If your house is on the beach in the Florida Keys, the insurance company knows it is very likely at some point you will have damage from a hurricane. Unfortunately for you this means your premiums will be very high, as the insurance company, like any business, wants to make money.
The key is to make sure you understand what is and is not covered on your current policy.