You pay your homeowners insurance every month to protect yourself from unexpected disasters. Most people assume they are covered from any and all damages and property loss. This is not the case and you always have to remember that the insurance company works to ensure the companies revenue continues to grow. As you likely know from car insurance, when you utilize your policy, your premiums increase. Worse yet, multiple small claims can result in your policy being cancelled altogether. The bottom line is, insurance companies offer protection, but you are not what is most important to them and they are ultimately out to protect themselves.
Since 2015, the property and casualty insurance industry collected over $600 billion in revenues from homeowners. They purposefully make it complex to understand the policy and it is often too late, when it comes times to actually use your policy. A public insurance adjuster works for you, not the insurance company. Public insurance adjusting is a regulated industry and they must be licensed in the state of CT. Public adjuster earn a percentage of your overall claim. It’s simple really, the more you receive in your claim, the more the public adjuster earns and a great public adjuster will work extremely hard to ensure your get every dollar you deserve for your claim. Not all CT public adjusters are created equal and it is important that they have the experience and knowledge to advise when you should and should not file an insurance claim.
As a general rule of thumb, when the following factors apply to you, you should not file an insurance claim:
- Smaller Claims
If the amount of the insurance claim is small, it is likely in your best interest to pay for the repairs yourself. - Neglected Home Maintenance Claims
If your claim is related to damage that is caused by your negligence, it may be better for you to handle the repairs on your own. - Your Deductible is Higher than Claim Amount
If the repairs of your claim do not exceed your deductible, you probably should not file a claim. As mentioned above, repeated small claims will drive up your monthly premium and that includes claims when you receive $0.00 dollars from the insurance company. - Several Claims Filed Within the Same Year
If you have filed several claims within the course of a year or two, there is always a chance that you could lose your coverage entirely when making too many claims. - Claims That Are Flat Out Not Covered
If an event occurs that is not covered by your insurance policy, you should not file a claim. First off, you will not get paid and we have seen insurance companies increase premiums for claims that were not covered.
Here is the Protocol, Call 911 and Then Call a Professional Public Insurance Adjuster Before You File! Call a Professional Public Adjuster To Advise You Before You File!
CT Public Insurance Adjusters are licensed by the State of Connecticut to represent homeowners/business owners/policyholders in the State of Connecticut. CT Public Adjusters have insider insurance and some even have legal experience which enables them to properly guide you through the insurance claims process and most importantly, make sure you get the most for your claim!
If it’s an emergency, call 911, then call a CT Public Adjuster! If it’s not an emergency, you always want to Call a CT Public Insurance Adjuster First! CT Public Adjusters will advise you from simple things like securing your home to prevent additional damage, where you should stay, if and when you should file a claim. If the event warrants proceeding with a claim, the CT Public Insurance Adjuster will contact the insurance company on your behalf, do a complex and thorough contents inventory of your property and represent you through the entire process up until you receive your check.
CT Public Insurance Adjusters handle all sorts of residential and commercial property damage claims, including, but not limited to; fire, water, mold, ice, storms, vandalism and theft. Public Insurance Adjusters in Connecticut will help you understand the complex insurance policy, regulations and state laws. Their sole focus is to represent you, advocate for you and help you get the best claim to help you today and well into the future.
If you experience damage to your home or business and are unsure if you should file a claim, contact a CT Public Insurance Adjuster Immediately!
