Tip Of The Day: Good Record Keeping Can Help Your Claims Go Through

First, start with a reliable insurance company from the very beginning, not some fly by night operation that’s been in business a short time.

The strongest claims have the most documents, so keep good records.

Give the adjuster a deadline for their response, a month is a good amount of time.

If you are not happy with their decision, you can go above the adjuster’s head by asking to talk to a supervisor.

If you’re still not happy with their decision, consider getting outside help. First, file a complaint against your insurer with your state’s Department of

Insurance. You may need a lawyer or public adjuster for help here. Try www.napia.com to find a public adjuster. NAPIA is the National Association of Public Insurance Adjusters. Public Adjusters are experts on property loss adjustments who are retained by policy holders to assist in preparing, filing and adjusting insurance claims.

Finally, if the amount you receive is less then you were expecting, DO NOT CASH IT until you have exhausted all other avenues. Cashing the check means you have accepted the claim.