After dealing with a chaotic event that damaged or destroyed your property–the last thing you want to do is deal with the intense filing of an insurance cover to recover what you lost. Dealing with an insurance claim is like taking on another full-time job. If you thought your work/life balance wasn’t the greatest–adding the tasks to file an insurance claim in New York successfully isn’t going to make it any better. The case procedures can include quite a bit of legwork such as:
- Completing paperwork.
- Understanding hard-to-comprehend insurance lingo.
- Documenting what was damaged or completely lost
- Meeting with contractors, inspectors, and repairers.
- Keeping accurate records
- …and that’s just the tip of the iceberg.
In addition, you’ll be crossing your fingers and hoping you did everything right to “finally” reach a reasonable claim settlement. All in all–it’s stressful. There is a light at the end of the tunnel (or beginning of this claim’s journey.) Enlist the help of a public insurance adjuster in New York. Public Adjusters like those at Maximum Adjustment will work with you and take care of your insurance claim. They will do all the legwork it requires to negotiate the best settlement they can with your insurance company. These claim professionals work on your behalf–and not the insurance company.
If you find yourself at an impasse and need an extra hand with your insurance claim, you need to ask any potential adjusters these six questions.
1. Are you a licensed public adjuster in my state?
This question will weed out the professionals versus the amateurs. Ask to see any potential adjuster for their license in the state you reside in. Finally, the adjuster you select should be experienced, local, or affiliated with a trustworthy local company and have a clean record.
2. Who is really handling my claim?
Have you ever called a company and had a great chat with the person on the other end? They were personable, understanding, and empathetic to your needs–only when it came to the time to have the service rendered, the employee was cold and unauthentic? Figure out who you’re talking to when you initially call an adjustment company. Will they be handling your claim? Are they passing it off to someone else? If so–who?
3. How much public adjuster experience do you have in handling claims like mine?
This question shouldn’t be the deciding factor, but it’s an excellent question to ask before hiring a public adjuster. Some adjusters may branch off from more prominent companies to open their own business. Asking for a summary of their case history can give you insight into whether they are more skilled at one claim type (water damage, fire damage, theft, and vandalism, etc.) than others.
4. How are business interruption claims addressed?
In these challenging business situations, you must know how to file a business interruption claim correctly if you face an unexpected event that would cause your everyday business to shut down. Submitting a claim can be time-consuming and requires thorough preparation. We also collected a few best practices to keep in mind when filing a business interruption claim.
5. How many other public adjustment claims have you signed up for in this area?
Is your claim due to a local disaster? You don’t know the capacity of your potential individual public adjuster, but if they have just taken on the entire neighborhood’s claim–can you be sure your claim will get the attention you require?
6. If I hire you as my public adjuster, can I still contact my insurance company?
Sometimes you may want to still communicate with your insurer/insurance company on your own. You should discuss this with any potential adjuster you are looking to hire to see if they are comfortable with this request. Some adjusters prefer to be the middleman and handle everything needed to file and settle your claim.
When an insurance claim seems too much, your next call should be Maximum Public Adjusters Inc. A public adjuster will take the burden of handling your settlement off your shoulders. We are on a mission to ensure our clients get fair and full claim payments from their insurance companies. We will respond to your calls or emails within 15 minutes and offer same-day appointments! Contact us today at 516-385-2422.