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About: Jeffrey Whitson

Name  :  Jeffrey Whitson
 
E-mail  :  test@gmail.com
 
Website  :  www.adjusteradvocate.com
 
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Posts by Jeffrey Whitson:

What to do with Your Personal Property Before an Insurance Claim

Your personal property is the most sentimental part of any insurance claim. Furthermore, the contents are also the most tedious to adjust. Typically, it’s stated in your policy that you, as the policyholder, are responsible to provide the contents damages to the insurance company. However, some insurance companies do aid in doing their own inventory of your home after a loss. In our experience, insurance companies miss many things and only pricing the high-priced items. By completing a few tasks before an insurance claim, the time saved and your likelihood of a higher compensation will dramatically increase.

Before a Loss

Hopefully, a large loss never happens to you. But, being prepared is crucial if this does occur. Most of these things can be done without professional help. Here is a list of things you can do to ease your personal property adjustment process.

Keep Your Receipts

Keeping your receipts is essential in proving the worth and date in which something was purchased. Luckily, most of us purchase things online and with credit cards that keep extensive records of these purchases. Obviously, smaller things that are purchased such as food and other quickly used things can go without a receipt. However, any expensive item you purchase should have a record either by you or the story for as long as you plan on keeping that item. Providing receipts if a large loss does occur will quickly prove the item’s ownership and expedite your compensation.

Keep Your Pictures

Pictures of you and your family are excellent ways to show proof of lost items. For some public adjusters, entire inventories are conducted based on the personal property visible in the background even though you and your family are the focal points. The pictures to keep include any birthday parties, family gatherings, holidays. Essentially, any picture of your home before the loss is important to keep. Lastly, try to keep these photos somewhere safe away from any potential damage such as a storage platform that can be accessed from any electronic device. If you have a photo album or flash drive, these can still be lost or damage during a disaster.

Taking Pictures/Video of Your Property

Keeping pictures, as stated above, is important in being prepared for a future insurance loss. However, if you want to take your reassurance a step further, you can take time and have a picture of every item in your home. This is easiest if you take general pictures of common items such as items in your kitchen. Note, do take the time to take more specific pictures of antique and high-value items. These pictures should include details of relative dimensions, price tags, or model numbers. You can expedite this process by taking a recording or several recordings of your personal property. Again, if you choose to do this, take extra time on the bigger ticket items documenting the dimensions, brand, model numbers, etc.

Pre-Loss Inventory

A pre-loss inventory can be done by you but can take up a significant amount of your time. If you choose to do this, be sure to have photos, ages, and accurate prices for your content. This is a very tedious endeavor but can save you months of heartache in the end. There are some companies that provide inventory services, but their prices can be quite high.

As your items are replaced in your home, be sure to repeat some of these processes periodically to ensure your personal property is up to date. Doing the latter two every few years will guarantee an easier and quicker compensation process in the event of an insurance claim. If you have more questions on how to prepare for an insurance claim or if you have an insurance claim and need help with the inventory contact Brown O’Haver.

What You Must do to Find a Good Public Insurance Adjuster

Perhaps you have found your insurance company is treating you unfairly. Or perhaps, the initial estimate was not as high as you expected it to be. Or also, you could simply be tired of the hassle that comes with an insurance claim. Either way, you are searching for an option that will both allow you to return to higher priorities while having your claim in better hands. That option comes in the form of a public insurance adjuster. However, making this substantial decision before or during an insurance claim can be difficult to make.

Certainly, the last thing you want to do is compromise the progress of your insurance claim or add an unnecessary expense. Therefore, finding a proper insurance adjuster to better your situation should not be a task that is taken lightly. There are many things to look for in a reputation of a public adjuster that can solidify your decision:

Ratings and Reviews

A quick google search can bring you up to speed on the public adjusters in your area. Many of these firms will have some reviews to search quickly from google or similar browsers. The ratings and comments left are a fast indication of the legitimacy of the firms you had in mind. Be sure to look at specific details and examples from the comments as many can be from employees or family members.

Availability

Many times, the quickest way to choose your public adjuster is to find out their availability. Even if you do not intend to, ask if they would be available to meet on the weekends or after common working hours. Typically, if the public adjuster is willing to meet on the weekends or after hours, this will give you insight into the motivation, sacrifice, and willingness towards their clients.

Specialization

Be sure to understand the specialization that your claim requires before continuing with a public adjuster. Many public insurance adjusters deal mainly in certain types of insurance claims and do not dabble in other aspects. This is important to understand because one insurance adjusting firm could specialize in commercial contents, while another does only residential roofs. Do your research to find which firm fits your particular situation.

Results

If the public adjusting company is proud of their work, they will be happy to provide you examples of their work upon your request. Ask to see how they have increased claims, especially ones that are similar to your situation. These companies should show you the increase from the initial estimate to their estimate or show you complete documentation of a roof, structure, and/or contents portion. This is yet another way to verify the firm’s work and give an example of its process to see if it fits your needs.

References

The final test of finding a quality adjuster to fit your needs comes in the form of references. If you are at all interested in an adjuster’s services, immediately ask for references for past clients that are similar to your claim. The adjuster should be happy to provide details about the past claim(s). Ask who is referenced about their claims experience, how the adjuster helped them specifically, and if they would recommend this firm. If the adjuster is unable to provide references, then that should be a clear indicator of their service quality.

Closing

If you find yourself in the midst of an insurance claim and you are interested in hiring a public insurance adjuster, following these steps will ensure that you find an adjuster that will fit your needs. For further information on public insurance adjusters, visit unitedpolicyholder.org or contact Brown O’Haver, Adjusters for the Insured at 405-735-5510, or visit www.brownohaver.com, www.facebook.com/BrownOHaver.

Top 10 Reasons You Should Hire a Public Adjuster

Many people do not know all of the highlights of hiring a public adjuster. The best way to find out is to hire one for yourself if you have an insurance claim. Hopefully, you do not suffer a loss, however, statistically, everyone goes through a large loss at least once in their lifetime. Learning of the benefits of a Public Adjuster beforehand may make your insurance claim experience that much smoother. Who knows! Maybe after reading this, you’ll hire us before filing your claim.

1. Greater Compensation

Perhaps the biggest benefit of all for hiring a public insurance adjuster is that of greater compensation. In almost every instance, public adjusters have increased the insurance companies’ estimates. On average, Brown O’Haver receives about 40% more for their clients than what the insurance company offers. A larger reimbursement can give you more freedom and options after the insurance claim has been settled.

2. No Out-of-Pocket Expenses

One of the biggest reasons for hiring a Public Adjuster is that there are no out-of-pocket expenses. All of the adjuster’s payments come from an agreed-upon percentage of the final estimate. Furthermore, if you have received any sort of estimate from the insurance company, you can hire a public adjuster to work for the increase of the estimate. Then, they are only paid on the increase of the claim with no expenses of your own and nothing taken from the first estimates.

3. Communication

One of the hardest things about going through an insurance claim is being present and available for the insurance company. It can be very difficult as the typical insured has a full career to manage and a family. Luckily for you, a public adjuster is there to receive all communication from the insurance company, schedule, and attend meetings on the insured’s behalf. Usually, this takes the pressure, obligation, and emotion of the insurance process.

4. Accelerated Insurance Process

Depending on the claim, the entire insurance process can take several months to conclude. On average, public adjusters speed up the claims process by at least three months. Insurance companies are notorious for being slow in their dealings. Speeding up the process is done by continuously contacting and urging the insurance company for updates, meetings, and payments. This means that the money is in your pocket sooner, the stress of the ordeal is over faster, and you can restart your life sooner.

5. No Lost Expense for ALE

Additional living expenses are sometimes the most underappreciated part of the insurance claim. ALE covers anything that alters your normal life and routine. Things such as a rental property expense, extra expenses for eating out, property maintenance, and mileage are all things that ALE covers. This coverage is vital to ensuring no out-of-pocket expenses. Furthermore, ALE is the cost incurred, meaning you must show proof of spending before receiving reimbursement. Public adjusters typically handle this part for free which means no lost coverage from ALE, no heartache from organizing it, and use in all areas for which reimbursement is needed.

6. More Time for Your Own Life

As mentioned above, an insurance claim takes time away from your daily life. Public adjusters handle every insurance claim dealing so that you can spend more time on your family and career. Without a public adjuster, you would be required to handle all communication and attend meetings with the insurance company or have them proceed with various parts of the claim process without representation. Having someone representing you puts your private life as a priority.

7. Responsiveness

In many instances, contacting the insurance company and its adjusters might be difficult and frustrating. You may want to receive updates on checks, results of meetings, and the general progress of the claim. Therefore, easily contacting your representative is simpler, faster, and more comfortable. At Brown O’Haver, we have had clients in the past that want to be more involved in the claims process, while we have had some clients who simply ask us to text them when we have a check for them. This responsiveness has been comforting for many of our clients in the past.

8. Full Count Inventory

Your policy states that you must provide a list of the damaged contents for compensation of your personal property along with prices for each item. Accumulating this list can be time-consuming and tedious. Documenting the entire contents of your home takes roughly 32 hours, not including the pricing and aging of each item. Public adjusters who work contents claims specialize in creating an inventory that will maximize your compensation quickly. This inventory process is the main way public adjusters increase your estimate so substantially.

9. Connections to Other Vendors

Public insurance adjusters work closely with many other companies and people related to the insurance realm. During the insurance claim, we can refer many companies including temporary housing accommodation companies, restoration companies, contractors, attorneys, insurance agents, etc. These are all valuable resources for you to use in and out of an insurance claim.

10. Further Free Advice

Lastly, the public insurance adjuster can offer free advice during and far after the conclusion of the insurance claim. Our advice can stretch from rebuilding your home vs. relocating your home to a second opinion when shopping for a new policy. Hiring a public adjuster opens the window to all kinds of professional help in regard to the insurance industry.