Don't hesitate to contact us to answer any questions pertaining to a claim or damage. We can evaluate, notify, and meet with the insurance adjuster to negotiate your loss.
| Myths | Facts |
|---|---|
| A homeowner cannot reopen their claim. | Homeowners can reopen their insurance claims if the settlement is insufficient. |
| You have to call the insurance company first. | You can hire a public adjusters to assess your claim, notify your insurance company, negotiate with the insurance company and help maximize your settlement. |
| Homeowners can be singled out for an annual premium rate increase. | Rate increases must be approved by the Department of Insurance. |
| An insurance company can choose to not insure you based on where you live in your state. | It is illegal for insurance companies to discriminate or redline specific areas of your state. |
| You must use the insurance company’s preferred contractor. | You have the right to choose your own contractor to perform repairs or renovations after a covered loss. |
| You shouldn’t file a claim if the damage is minor. | Minor damage often leads to substantial settlements. |
| The insurance company will automatically pay the full claim amount. | There are many steps that need to be followed to receive maximum settlement for your claim. |
| Your insurance company will always act in your best interest. | Insurance companies have a vested interest in minimizing payouts to control costs and maintain profitability. |
| You must accept the first settlement offer. | You are not obligated to accept the first settlement offer. You may consider involving a public adjuster to assist. |
| Percentage deductibles are a good deal. | These are often misunderstood as they are a percentage of Coverage A and not a percentage of the claim. |
