Property Insurance Claims In California

Your home is one of your most valuable belongings, and the contents within are some of your most prized possessions. If your home has been subject to any type of property damage, such as a fire, vandalism, storm damage, or water damage, you are entitled to benefits from your insurance company. However, if you’ve never had to submit an insurance claim before, the task might seem daunting when you already have so many other things to deal with in the aftermath of your loss. The representation of a property damage insurance claim public adjuster ensures you can maximize your homeowner claim and get a settlement amount you will know is fair so you can restore your home to its pre-damaged state.

At ClaimMax Adjusters, we have assisted dozens of property owners over the years with their insurance claims, which has resulted in favorable outcomes that have exceeded our client’s expectations. We are California’s premier public adjusting firm which makes us the best choice to get your full property damage insurance claim in California. We base everything we do on our standard of superior customer service to ensure you not only get the settlement you deserve but also a pleasant and stress-free experience. As a part of our superior service, we can provide consulting for vendor selection guidance to dramatically lower your risk of poor repairs, claim denials, and or claim underpayments.

To learn more about filing a residential insurance claim, contact our team today to find out how we can help.

What Dangers is Your Residential Home in? 

In California, your home faces a variety of dangers from various sources. Due to its climate and geological location, Californians face a much higher risk of flooding, damages from high winds, fires along the northern border, and even sinkholes. Tens of thousands of homes across the state are greatly impacted by these natural events every year. 

Then, there are man-made problems that occur at a fairly staggering rate in California. Vandalism, from petty graffiti to shattered windows and destroyed structures, tends to be a major issue. 

When your home is damaged by any of these causes, making a property insurance claim is of the utmost importance to resolve the issue and get reimbursed appropriately.

Get the Real Worth of Your Insurance with Property Insurance Claims in California

Getting the real worth of your insurance policy is a difficult task. An insurance company is profitable because it takes your monthly or quarterly payments and tries to minimize paying out when you need something. To get your fair share, you need help. 

That’s where ClaimMax Adjusters comes in. 

ClaimMax Adjusters will not only help you file your claim, but we’ll take a look at your policy, the damage that has been done, and more to determine exactly what you’re owed. We help you approach the insurance company with fact-based evidence they simply can’t reject. 

However, for us to adjust your claim and help you get reimbursed properly, you have to start by calling us. Once you call the insurance company, it’s a lot harder to help you get what you deserve.

Insurance Denial Warning 

When property damage occurs most people want their insurance carrier to provide coverage in order to obtain reimbursement for the needed repairs as well as the usual collateral expenses that accompany the loss such as: 

• Dry out/Restoration services, 
• Contents-related expenses, 
• Temporary housing, 
• Food reimbursement, or 
• Business interruption expenses (if it is a commercial loss). 

Not all claims are covered just because they are filed and you obtain a claim number. As a rule of thumb, carriers have been reported to use the following general coverage rule: 20% of all reported losses should always be covered, 20% of all reported losses should never be covered, and 60% of all reported losses are up to the assigned adjuster to decide. Because the initial claim filing if done by you by phone is recorded by the carrier, there is a potentially higher risk of inadvertently triggering a delayed coverage or a denied claim if incorrect information is reported to the carrier by you.

To minimize your risk of a claim denial, first, contact ClaimMax Adjusters free of charge to discuss if you should file the claim yourself or if you should hire a public insurance adjuster to file the claim for you. Also, discuss with a ClaimMax Adjuster if you should have a public adjuster meet the assigned carrier’s adjuster at the initial on-site carrier inspection. Initial on-site inspections are usually performed by the carrier to help them make a claim coverage or denial decision.

How to Start the Insurance Claim Process

The property insurance claim isn’t as hard to file as it sounds. Especially when you work with a public adjuster such as ClaimMax. You do want to do things in the right order and make sure you do everything properly, though. 

First, call us. Not only can we fight to get you the right reimbursement, but we can also help you with the rest of the filing process. Before you call the insurance company, call ClaimMax. 

When you’re actually dealing with the insurance company, things are a little more complicated. First, you need to take photos of the damage regardless of what the source is. This will act as your evidence to prove that the damage occurred and show it in its original state before any 100% critical changes are made such as removing water or moving a tree to access your vehicle. 

Then, you call your insurance company and present your claim. You’ll offer all photo evidence, the adjustment provided by ClaimMax, your policy information, and the general personal information you need for any other paperwork. 

Within a few days to a couple of weeks, the insurance company will send its own assessor to look over the damage.

 The approval process can take a few weeks in most cases, but with a proper property damage insurance claim adjuster on your side, and an attorney in some cases, getting what you’re owed is just a matter of time.