Month: April 2017

Nobody wants to have to file an insurance claim. In Colorado, there are various hazards that can cause damage to your home, like flooding, wind, and extreme cold. Even if you are as prepared as possible for these things, you could undergo some damage. Your insurance is on your side overall in this situation, but they are still going to protect their bottom line as much as possible. If you want to get the highest amount possible for your insurance claim, here are two tips to help you. 

Make Temporary Repairs – While you are waiting on the settlement amount on your home, make the necessary temporary repairs. The small fixes could be things like patching the roof, replacing a window, or fixing something in your HVAC system. If you don’t make these repairs, your insurance company could say that these things being ignored caused extended damage to your home and not the incident itself. 

Hire a Public Adjuster – An adjuster is who decides the damage value during a claim. Your insurance company will send one of their own, but you should hire a public adjuster, an adjuster who is hired directly the claimant. The insurer’s adjuster will have their best interests in mind and will offer you the lowest amount that they think you will accept. Your public adjuster understands the strategies implements by insurance companies and can counter them to get you the best deal. The cost of a public adjuster is usually covered by the increased amount that they get for you. 

By following these two tips, you will greatly help your chances of maximizing your home insurance claim. One provider of home insurance in Fort Collins, CO, Alliance Insurance Services, provides home insurance in that area. Call an insurance company today to ensure that you have the appropriate amount of insurance.