The Ethics Of A Claims Management Company

After a disaster strikes your home or business how we react to what happen can be affected by the stress we are under

. For people that have insurance on their homes or business you might believe that your insurance company is trying to help you. Yet many times because of the emotional stress your under the insurance company is going to offer you much less then what your loses are for. Taking advantage of what is going on, pressuring you to sign paper work and hoping that you will blindly accept whatever payment if offered to you. Yes, an insurance companys job is to make money, this means they are going to offer you the least amount of money as they can for your claim.

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The shock has hardly worn off from something to everything your losses effect not only your money but your time as well. It could be a fire that wiped out everything or flood that destroyed everything in its path. Whatever the case is someone from your insurance company is going to show up and offer you the least amount of money for the most amount of damage. Youre going to be handed paperwork and told to sign something before they can go any further. This bait and switch tactic has worked for years. Many times, you just signed away your rights for something, and it was done in such a manner that you never saw it coming. Dont trust anything that is put in front of you until you have read it completely. If you have questions, ask, if you feel like the answers are misleading, then dont sign anything.

Who helps who?

One way to help you is by working with a claims management company. When the insurance company is telling you that you need to sign something, get multiple estimates or having to week weeks on end before anything can be done, this is when you need to step up and have someone on your side looking out for your best interests. Have a claims management company that can come in, look over your property, explain to you what needs to be done, give you a estimate of your loses and the costs of repairs to even making sure that the paperwork the insurance company is handing you is going to help or hurt you. Their job is making sure you know your options and get the most for your damages.

The Truth

You want a fair settlement with your insurance company. This many times means not taking the first offer giving to you, doing some legwork on your part and being ready to ask questions. Yes keeping your premiums up to date is important, but your insurance company is not out to be your friend. They want to make money, and they cannot make money by over paying claims. Find a claim management company that will deal with your insurance company directly and youre going to save yourself a world of issues.

by: Kurt Ross

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