Contractors & Roofing Contractors
Insurance Claim Help for Contractors
Contractors and Public Adjusters both play a critical role in the claims process. However, that doesn’t mean it is always best to handle claims on your own. One of the benefits to you, as a contractor, is that by joining efforts with a public adjuster it makes it very difficult for the insurance company to fight a united front.
Our team is experienced with policy language, we stay up to date on state statutes and regulations, are used to working with insurance carriers and know what the carrier will be looking for in regards to documentation, delivery and line items. All of these things help to run a more efficient claim process.
As the contractor, we will keep you informed during the process but work directly with the home/business-owner so you can focus on the work at hand. You’re the property expert, so let us compliment you as the policy expert, thus creating a unique front that leaves the policyholder feeling confident—confident that they have people working for them with their best interest at hand. Keeping them informed will help build this confidence so the stress of rebuilding their property, submitting a claim and navigating the settlement is kept to a minimum.
Underpaid or Denied Claim?
Do you have an underpaid or denied claim you would like to revisit? In most states, within a certain period of time, the claim can be reopened. In these circumstances, we would first ask for a copy of the policy, any documents relative to the claim (from start to finish) and any photos or videos of the property. Once we are able to review the claim in full, we can discuss the options at hand and pursue the opportunity to receive a full and proper settlement.
Common reasons for denials:
- Not filing in a timely manner. In accordance with the conditions of most policies, many insurance companies demand that you report the damages as quickly as possible.
- Non-payment of premiums. If you do not consistently pay your insurance premiums, your claims may be rejected.
- False or “questionable” information. It is unacceptable to lie when applying for insurance or submitting a claim and will probably result in denial.
- Not providing sufficient information. It is your responsibility to provide enough detail, proper documentation and precise information to your insurance company when submitting a claim.
- Exclusion clauses. Understanding the exclusions in your insurance policy is crucial.
- Not taking preventative measures. It is your duty as a policyholder to mitigate your loss so that no further damage will occur.
Compensation arrangements and services offered may differ as required by applicable state law.