When home or business owners sustain a property loss they think, “I’ll just call my insurance carrier and file a claim” “I’ve paid my premiums all these years now they can take care of me.” They don’t realize that when a claim is filed the carrier instantly erects defensive strategies to assess if they can have the opportunity to deny coverage.
This begins immediately with recording the phone conversation if the claim was filed over the phone. Next, the carrier may schedule a recorded statement to obtain the explanation of how in your words the damage occurred. Then, a field adjuster is commonly scheduled to go on-site to determine if the facts of the explanation match the appearance of the damage and their conclusion as to why the loss occurred. At any point in this early phase of the claim, if there are inconsistencies that appear even though they may have occurred innocently, the carrier could take the opportunity to deny the entire claim. If they deny the claim it is similar to having no coverage, then potentially exorbitant repair costs are entirely the responsibility of the policyholder.
Having ClaimMax Adjusters represent you from the beginning and file the claim for you can dramatically reduce the risk of a claim denial and underpayment.
