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DIY Insurance claim …. Really? Might as well Self-Medicate too!

Time and again property owners contact us after the fact. That’s not always a bad thing, but for the most part it’s a disaster within a disaster. The insurance company may have their service providers contacting you, or you may get contacted via direct solicitation, whether it be a restoration contractor, roofer, water mitigation company or the alike. Assess who you hire and the costs you incur.

I have seen an alarming increase in service providers swooping in while policyholders are under duress. You want help to stop the damages and do the right thing, but a contract is signed, some work begins, then you’re wondering how much will the carrier pay for the damages.

Here enters the problem – You want to be paid for the damages, not give your policy benefits and insurance proceeds to others or incur expenses that were unnecessary. It’s your policy and you should not entrust or rely upon unlicensed individuals to assist in the insurance claim process!

If you want to be in control of your insurance claim and receive payments for the damages, then be very careful what you sign and know your obligations, when entering into contracts. Contractors are to construct and rebuild, they are not licensed or in the business of insurance claims filing, negotiation, or settlements.

Engage my firm in the beginning to protect your interest and present your claim. If you want more information or wish to discuss further, please contact us.

A loss occurs consider the following:

  • Notify your Agent/Carrier:
    • Inquire as to your specific duties and have them send it to you in writing
      • Request an Electronic copy of your policy
    • Take photographs and videos
    • Only Hire contractors to Mitigate the Damages and Emergency Services
      • Restoration cannot happen until the loss is investigated and agreed to
  • Notify Us:
    • We are available 7 days a week and will respond to you immediately
      • Email: info@naicinc.com
      • Text: 813.363.2271
      • Voice Mail: Toll Free- 877.467.5677
    • Please send to my firm:
      • Insurance Declarations Page
      • Loss Address and Contact Information
  • Claim Investigation – On your behalf we:
    • Investigate the loss with the insurance company
    • Communicate directly with your insurance company
    • Identify policy benefits and present your claim
    • Negotiate a fair and justifiable settlement

Remember to always…

  • Keep an updated Insurance Policy;
  • Report claims within a reasonable time frame;
  • Protect your property & Retain all receipts; 
  • Take plenty of photographs (Pre-Loss & Post-Loss);
  • Do not sign contracts under Duress or if you’re unsure of its terms; and
  • We are here for you! 

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