It’s possible that a homeowners insurance company will deny a claim or only offer less than the policyholder expects. Having an insurance agent working on the customer’s behalf is advantageous since it can be difficult for policyholders to convince claims adjusters to change a decision. Representatives of an independent insurance agency in Rancho Cucamonga CA help their clients with these problems.
Rough Estimates and Disputes
Sometimes, a claims adjuster is only able to make a rough estimate for the policyholder. This tends to happen when a large number of claims are made at the same time, which is common after severe storms, earthquakes, and wildfires. The amount may seem quite low to the homeowners and prevent them from proceeding with repair work and reconstruction. However, the adjusters are incredibly busy after a natural disaster strikes. In other cases, the adjuster disputes the amount of money required to pay for repair work.
Insurance agents are trained to handle these situations, acting as a go-between for the policyholder and the company. In contrast, an individual who tries persuading an insurer to reconsider a claim denial or low settlement offer typically has no experience in doing so.
The agent from an organization like Barranca Insurance Services Inc. goes over the estimates the policyholder has received from contractors who will do the repair work. This may be for one particular problem, such as a damaged roof, or for multiple issues that may require the work of more than one contractor. Comparisons are made with the amount the insurance adjuster is offering.
One possibility that can be arranged by an insurance agency in Rancho Cucamonga CA is an appraisal of the damage. Both sides have appraisers who might be public insurance adjusters. They evaluate the damage to the building and each provides an independent decision about the amount the insurer should pay.
The agent may arrange for mediation sessions so a discussion can take place between the two sides. Fortunately, this process usually is not lengthy. The policyholder and the insurance company may have to split the cost to pay the mediator, but in some instances, the policy states that the insurer will pay. You can also connect them on Facebook.
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