Insurance Tips

• Insurance is a tool to get you back where you were before a loss, but it won’t drive itself…you need to be pro-active in the claim process.

• Recovering from a large loss is a marathon, not a sprint. Pace yourself.

• You’re not on a level playing field when you’re dealing with an insurance claim while recovering from a traumatic loss.

• You’re not alone. Take advantage of the free help and info provided by New Image & Design.

• Think of your insurance claim as a business negotiation. You’re not dealing with your "good neighbor”—you’re dealing with a for-profit company.

• Give your insurance company a chance to do the right thing, but don’t mistake a friendly adjuster for a friend.

• Remember that adjusters are trained to gain your trust but strictly limit payouts.

• You may have to deal with multiple adjusters; some may have very little expertise in estimating losses and/or the laws and regulations in your state.

• Use a politely assertive tone when communicating with adjusters and higher- ups at the insurance company.

• Document and support your claim with proof, details and estimates to repair and replace everything that was damaged or destroyed.

• Present clear requests in writing that explain what you need, when you need it, and why you’re entitled to it.

• Don’t pad your claim or exaggerate your losses.

• Don’t be rushed or pressured into signing checks, releases, waivers or contracts.

• Don’t sign legal documents without consulting with a credible firm.

• Try to resolve problems informally but complain in writing, go up the chain of command and/or use government agency help when necessary.

• Check references and licenses before hiring clean-up, construction or claim help.

• Yes it is unfair for insurers to sell peace of mind then become your adversary when large dollars are at stake, but that’s the reality we’re working to change.