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Working with a claims adjuster  

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Do you need a home insurance claim lawyer?

If your home has been involved in a natural disaster or unforeseen damage, chances are that you’ll need to file a claim. Before you file that claim, it’s important to be prepared and know the process.

Here’s what should happen:

  • Review your coverage

You need to understand what your policy covers and what it doesn’t. If you need to get a home insurance claim lawyer in Port St. Lucie, FL to do it for you, then go that route. The language in home insurance policies can be confusing, so there’s nothing wrong with having a professional take a look

  • Document

Take pictures and videos of your damage. If there is an impending storm, do it prior to the storm so you will have adequate proof to compare. For big ticket items, make sure you have receipts, or a log of the item, when you purchased it and for how much. This will be very helpful in your negotiation process.

  • Repairs

If you need to make temporary repairs to make your home livable, do so and keep the receipts. Insurance companies try to dismiss little things because you waited too long to get the work done. Protect yourself.

These are three important steps to take prior to making the claim. Once the claim has been made, a claims adjuster should contact you to come and view the property. There are instances where your claim will be rejected, when you know you should be covered. This is when you need to defer to a professional who will fight for your rights.

Getting a home insurance claim lawyer in Port St. Lucie, FL

While most people do not think having an insurance claim lawyer on speed dial is a necessity, it could be one of the best things you could do. Insurance adjusters may try to give you an automatic quote or reimbursement, even when the assessment has been quoted too low.

Do not accept the first offer. Do your homework. If there are any inconsistencies with what is being offered, your home insurance claim lawyer in Port St. Lucie, FL will be able to step in and negotiate on your behalf to make sure you are represented and compensated the right way.

It’s important to make sure your rights are covered when filing a home insurance claim. By taking the proper steps and knowing the process, you will be confident when filing a claim. For more information on working with an insurance adjuster and home insurance claim lawyer in Port St. Lucie, FL, give us a call today!