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As licensed public claims adjusters, Americlaims is often called to answer questions about homeowner's claims, property damage and residential insurance coverage. A few interviews are listed below.
Home insurance: Heavy rain, heavy burden
With the increase of extreme weather in several states, extreme rain can cause expensive damage to your home and property. Insurance claims fallout can be tough for consumers to weather. In an interview with InsuranceQuotes.com, Bob Freitag, AmericClaims president, discusses storm damage coverage and exclusions issues.
The End is Near! Insuring a Bomb Shelter
Did you know that sales of luxury doomsday bunkers are up 1,000 percent for some builders since 2011? Underground "bomb shelters" or survival bunkers create their own class of insurance issues. InsureMe.com interviewed Bob Freitag, AmericClaims president, who represents policyholders in the claims-adjusting process discusses some of those challenges. Read more about some of these unusual challenges.
‘Spring cleaning’ for your auto insurance coverage
How many back copies of your insurance policies do you need to keep? What 4 steps should you take each year to make sure your insurance coverage is adequate? AutoInsuranceQuotes.com quotes Bob Freitag, AmericClaims president, in a must-read article to ensure that your insurance coverage is up to date.
Is it Time to Reassess Your Homeowner's Insurance Coverage?
No matter what type of home insurance you have, there are many ways to adjust your coverage. In an interview with BankRate.Com, AmeriClaims president Bob Freitag discusses how to determine whether you have a sufficient amount of home insurance coverage to replace rebuilding costs and your home's contents.
Seven Tips for Filing a Homeowner's Claim
Did you know there are certain steps you should follow to ensure your homeowner's claim gets the proper attention? Read more about the important role that proper documentation plays in filing a successful claim in an interview conducted by InsuranceQuotes.com with AmeriClaims president Bob Freitag.
Reviewing Your Automobile Insurance Coverage
Is it time to review your auto insurance coverage? Check out these four tips, including how many copies of your insurance policies that you should retain, as suggested byAmeriClaims president Bob Freitag.
Many common questions are listed below. Can't find the answer you need? Call us and we'd be happy to help! 1-866-310-0195
What is a Public Adjuster?
A public adjuster is an adjuster who only handles claims on behalf of the insured, not the insurance company. They are licensed and regulated by the state in which you reside.
Why do I need a Public Adjuster?
When you have a property damage claim, the policy states that you must “prove” your loss to the insurance company. Most insured’s do not know how to even begin assessing the damages that they have sustained. The insurance company only owes what you can prove.
The insurance company has many professionals who they will engage to look at the claim from their perspective. This may not be in the insured’s best interest. A Public Adjuster will work for oyu and ensure that you are being equally represented during the insurance claim process.
When should I retain a Public Adjuster?
You should retain a Public Adjuster “immediately” following a loss. Your insurance company representatives will try to steer your claim down a path that may not be advantageous to you. If we are on scene right away, we can route your claim back on a track that meets your objectives. It all is dependent on what you wish the outcome to be at the end. We explore all options with you, and as a team, we ensure that the outcome of your choice is attained.
What does a Public Adjuster charge for their services?
There is “never” any money due up front. We work on a very small percentage that is paid when you have been paid by the insurance company. In many instances, we have been able to increase recoveries by 40%-200% of the original offers from insurers.
What type of property damage claims do you handle?
We handle all first party property damage claims to homes and businesses. This includes fires, wind, water, explosion, vehicle impact, hurricanes and tornados.
Will I have to be involved in the daily activities of the claim?
No. We will attend and handle all meetings with insurance representatives, so you do not have to take time out of your hectic schedule for this. Many people do not realize how many hours it takes to prepare, submit and adjust a large property damage claim. We understand that you have jobs, families and businesses to run and cannot just drop everything to prepare a large claim or be involved in the daily activities that a large claim requires.
Do you handle the repairs to my property?
No. You select the contractor of your choice for your repairs. This is true during the entire claim process - you chose the vendors that you wish to work with, not the insurance company.
Is there a time limit to submit my claim?
Yes. Many policies state that your claim must be filed in full within a certain time period (usually 60 days). In addition there are statutes of limitations that spell out limitations. Time is of the essence.
Can I recover more than my policy limits?
In many policies there are additional coverages that if properly documented, will allow you to recover more than the policy limits where applicable.
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