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Watch out for charlatans…

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Be in control…Signing paperwork could be devastating to your recovery…

Beware! There will be tons of unlicensed people claiming to be consultants, appraiser’s and damage evaluators. Only licensed Public Adjusters and Attorneys can represent policyholders! Remember there is way more to a claim than writing an estimate!!

We suggest not making decisions or signing contracts under duress. Make temporary repairs and protect your property from further damages. Then evaluate what to do and whom to hire.

Let us take the wheel to manage your claim and be your insurance claim resource. We like to think that everyone can benefit from our services, but the fact is our firm’s philosophy is for you to obtain the benefits you deserve. No more, no less.

When damages occur we suggest the following:

  • Claim Notification:
    • Contact both your insurance Company and Agent
    • Contact us (info@naicinc.com or  877-467-5677)
  • Claim Investigation – On your behalf we:
    • Meet and provide access to insurance company representatives
    • Respond to correspondence and requests
    • Determine claim values and scope of repairs
    • Provide accurate, detailed damage reports
    • Procure and provide access to experts
    • Provide support in alternative dispute resolutions (Mediation & Appraisal)
  • Claim Presentation- We are licensed to:
    • Provide the insurance company your insurance claim and Proof of Loss
    • Identify policy benefits and discuss disputed issues
    • Negotiate a fair and justifiable settlement
  • Protect Property and Temporary Repairs :
    • Hire contractors for emergency services
    • Preserve the damages and mitigate; make temporary repairs
  • Documentation:
    • Insurance Policy
    • Photographs
    • Receipts

Remember:

  • It is your obligation to: 
    • Report your claim
    • Protect the property from further damages
    • Prove your claim
    • Know your rights and duties
  • When in doubt:
    • Contact us at 877-467-5677 or info@naicinc.com

Stay informed with news and updates – NAIC ViewpointRegister Here!

Your area may be the next Texas!

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Yeah sure… I always review my insurance policy…

Paying the premium for your property is the first and last time anyone ever thinks of their insurance policy. However, understanding what you are paying for and how this will affect your claim is priority number one!

Texas should not only have us rethinking life and safety issues, but also how much insurance will participate when a loss occurs. It’s not how, but when will a claim happen to your property.

As Hurricane Irma churns in the Atlantic, it is too late to amend your policy or bind coverages, but it is perfect timing to stay in contact with us to navigate the claims process. We can make sure all your benefits and coverages are being applied to your specific loss.

NAIC is there for you – in identifying policy conditions, schedules, endorsements & advocating for property owners we excel.

Lets break the policy down to quickly review some of the vital areas you should consider:

  • Declaration Page
    • Property identified properly?
    • Amount Insured- Home or business adequately insured to value?
      • Structure: Can you rebuild it for that amount?
      • Contents: Is this enough to replace my belongings?
      • Loss of Use/ Business Interruption: Will this amount suffice?
    • Additional Insured- other than named insured that insurance benefits extend (IE: Mortgage Company)
      • Does this apply or must be amended?
  • Endorsements- Adding or taking away of coverage
    • Do you understand how this affects the policy, your damages and premium?
    • Do you need additional coverage?
    • Values increased?
  • Obligations in the event of a claim
    • What are my duties and rights?
  • Flood v Wind v Standard 
    • Do I need all 3 policies?
    • When do each pay?

Ask your agent about the following:

  • Insured to Value
  • Perishable Items
  • Article Floaters- Guns, jewelry, etc. 
  • Screen Enclosures
  • Upgrade to Code

Remember to Always:

  • Seek safety first
  • Locate your insurance policies
  • Protect your property
  • Take plenty of photographs (Pre- Loss & Post-Loss)
  • Retain all receipts- food, hotels, temporary repairs, etc.
  • Identify building plans and/or architectural drawings (if applicable)
  • Report claims within a reasonable time frame.

 

Stay informed with news and updates – NAIC ViewpointRegister Here!

Hurricane Harvey… Impacting beyond the Insurance Claim.

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The well being, safety and health of everyone impacted by this devastating hurricane has our prayers.

This is a catastrophic event that will resonate with all of us for a lifetime. Living along the Gulf Coast is a risk we take, the beautiful landscape has that minute chance of turning on us.

Those impacted are under a lot of pressure and stress just trying to maintain normalcy. Keep focused on your needs, family, friends, community, jobs, and/or business; that is always priority. Insurance claims are construction are secondary.

Property Damages and the insurance claim process is not going anywhere! The damage is done, and you have insurance; nothing to worry about. If you need us to advocate for you, please contact us. Engage my firm in the beginning to protect your interest and present your claim.

Tips to address your property damages:

  • Locate your policy and File your claim:
    • Agent Notification or,
    • Insurance Company Directly
  • Be careful who you hire:
    • Not all companies are looking out for your best interest
  • Do not sign contracts under duress:
    • if the Insurance Company has not seen it, we suggest waiting
    • Have a question, Contact Us
  • Mitigate and Protect your property :
    • To the best of your care, custody, and control
  • Collect and Protect your valuables
  • Request Advances
    • Additional Living Expenses( Temporary housing, food, and medical needs)
    • Personal Property (Clothes, furniture, and toiletries)

Remember:

  • It is your obligation to: 
    • Report your claim
    • Protect the property from further damages
    • Prove your claim
    • Know your rights and duties
  • When in doubt:
    • Contact us at 877-467-5677 or info@naicinc.com

Stay informed with news and updates – NAIC ViewpointRegister Here!

Predictions Increased for Hurricane Season

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Predictions Increased for Hurricane Season……Who will handle your insurance claim? Why not make it seamless for yourself?

Storm season is upon us and we have been fortunate enough not to have had a hurricane season like 2004. However, a lot has changed within the insurance industry in the past several years:

  • Policy language is more restricted;
  • Insurance companies are opting to repair your property; and
  • Service providers are getting Assignment of Benefits (AOB) of your entire claim- No Payments to You!

There are a lot more moving parts, so when a claim occurs be prepared to really “weather the storm”.

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Be in control of your Claim!

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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.

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After the Storm

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The hurricane hits… So why would anyone start construction without knowing the full extent of damages and how much they will be paid?

When a loss occurs you have certain duties that must be met. Navigating a catastrophic loss to multi-residential and commercial properties is much more complex than a homeowners claim.

Nonetheless, no matter the type of property damages you sustain there must be:

  • Acceptance of coverage by the insurance company
  • An agreement as to the amount and cost of repairs
  • Identify how the policy will pay

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A contractor and/or friend wrote me an Estimate, so are we good?

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No, it’s more than just a numbers game…

Writing an estimate is just one step in the claims process. Today’s technology has made everyone an acclaimed “expert”, but let’s really focus on the substantive issue – your property and recovery. Navigating the entire claims process takes skill, knowledge, professionalism and proper licensure.

The claims process is very complex. Complex by way of understanding the dynamics of each particular claim and knowing how to address and present the issues from start to finish.

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11 Years Since a Hurricane?

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Hurricane events will continue to occur throughout our lifetime; it’s important to be prepared to deal with the aftermath.

Looking back, 2004 & 2005 were traumatic years to Florida’s landscape. Floridians are resilient people and veterans to enduring storm damages, rebuilding and insurance. Some parts of our great state have not yet been affected in over 50 years, while others pray not to have a repeat of year’s past.

Hurricane season officially started on June 1st and ends November 3oth. The peak of the season is August through October. There is time to prepare, but if you find yourself a victim of severe weather damage, be proactive when you file your claim.

Insurance claims are a product of hurricanes, and NAIC is part of this process as well. Many policyholders rely solely upon the insurance company to direct them and value their damages; this is not the insurance company’s job! Your insurance policy states that you are to prove your claim. You are entitled to hire a public adjuster or plaintiff attorney to represent your interest. Property insurance claims need proper detailing, management and resources to obtain an equitable settlement. Gaining a settlement is the end result; let NAIC manage the heavy lifting to get you there – start to finish.

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