Under-paid or Denied claim?
Insurance adjusters typically undervalue your claim.
As public insurance adjusters we are licensed by the state to help policyholders maximize their claim. Starting with the estimate to handling your claim, we will negotiate with your carrier so that you can get what you are owed. Let us take a look at your policy and book a free property inspection to get started.
What is a Public Insurance Adjuster?
A Public Insurance Adjuster is licensed and governed by Texas as an insurance professional with the goal of indemnifying you when it comes to property loss/damage. Public Insurance Adjusters have a fiduciary responsibility to you, the insured to help return you to your financial position prior to your loss.
Why should I use a public insurance adjuster?
There are many cases where the insurance company acts unfairly to the policyholder. They may deny your claim, under-pay your claim, or delay it for a long period of time. Why? They are in business to make money so the longer they can hold on to the premiums you pay, the more money they make. A Public Insurance Adjuster can get involved in the claim at any point but it is most beneficial to involve him/her at the beginning.
Speed is critical when a storm hits
Our process gets you to a claim that is paid out quicker post hurricane. As you may know, the insurance companies don't have the capacity to service every customer during a catastrophe. By hiring us, we stay on top of them to ensure you get treated fairly and you're not left months without a resolution.
Step 1 - We evaluate your loss via a property inspection and have you sign a letter-of-representation so that we may represent your claim to your insurance company.
Step 2 - We will devel0p an extensive report and analyze the language of your insurance policy so that we may effectively negotiate the terms and value of the claim.
Step 3 - Once we are satisfied with the settlement offer the insurance company will distribute payment.
DON'T LET YOUR INSURANCE DENY YOU BECAUSE OF "FLOOD" EXCLUSIONS.
Water damage from a hurricane can easily be labeled as flood damage by your insurance company. Especially when it is in the best interest of the insurance company since most homeowners do not carry flood insurance.
Be aware! They will try to deny you based on flood and other exclusions. Do not get taken advantage of during this storm. Don't use the word "flood damage" when opening a claim.
Insurance companies do not always play fair when it comes to making you whole after a property loss has occurred.
Smart Claims makes sure that you are treated fairly.
BE AWWARE OF ROOFING AND RESTORATION CONTRACTORS
According to Texas Department of Insurance, contractors cannot:
Investigate, appraise, evaluate, give advice, advocate on behalf of or assist their customer in adjusting a claim.
Prepare the insurance claim for their customer. Negotiate the claim with the insurance company on their customer’s behalf.
Offer to review the insurance policy or advise their customer on the insurance policy’s coverage.
Advertise or provide written materials that they can negotiate or investigate a claim on their customer’s behalf. This includes advertising to be “claim specialists” or “claim analysts” or any other similar terms, or advertising or claiming that they can “deal with insurance companies” or in any way increase the claim settlement amount for the policyholder.