Delay
In 1988 McKinsey & Co was hired by Allstate to help Allstate conserve cash and cut expenses. The first tactic McKinsey recommended was to delay the process of filing and paying claims
Deny
The second tactic recommended was to deny claims to EVERY extent possible. This reduces carrier expenses further, but sometimes illicits immoral behavior.
Defend
The third and finaly tactic was to, if nothing else wokred, defend all of the failed methods witha lengthy and intentionally expensive civil suit. This bullying further discourages the policy holder and sometimes even intimidates them.
Don’t Get Left Stranded
Waiting to file an insurance claim only hurts yourself and your your family. It is your duty as a policy holder to promptly inform your insurance carrier of ANY damages or suspected damages to your property. DO NOT WAIT! Most states have time limits that allow carriers to deny claims that are not filed within a specific amount of time
How Can We Help?
Documentation
The first and most important part of any claim is documentation. This should occur beforehand if possible so that the original state of the property cannot be disputed. In EVERY case documentation should occur as soon as damage is realized so that there is a record of the scope and extent of the damage.
Investigation
Invesrigation requires an expert eye, and often times one is not enough. We retain experts in several fields ranging from Building and construction professionals, IICRC certified water loss technicians, Public adjusters, and an outstanding team of attorneys to whom we refer clients
Negotiation
Insurance companies have trained negotiators on salaray. It is their job to negotiate claims so that the carriers are paying out as little as possible. This can be intimidating for every day folks who are not trained, nor care to negotiate a complex insurance claim settlement
Settlement
The final step in the process is the settlement. Understandbly, this is the step most folks want to get to as quickly as possible so that they can resume normal life. Unfortunately, carriers and their employees make it as difficult as possible to get an equitable settlement.
Water and Ice
Hurricanes, Tornadoes, Wind and Hail
Fire and Smoke
SPEAK WITH AN EXPERT NOW
Don’t be intimidated by your insurance company or their scare tactics. They WILL try to dissuade you from doing what’s best for you. Let our team of experts guide you through the claims process and get paid what you deserve!
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