Three Tips For Talking To The Insurance Adjuster

After an accident, there are many people you will have to talk to. This includes the police, medical personnel, your insurance agent, and the insurance adjuster. There are important things you should know about talking to each of these people. First, here are three important tips you should keep in mind when talking with the insurance adjuster.

Tip One           

The insurance adjuster works for the insurance company, not for you. One of the mistakes many people make when talking to the adjuster is assuming that he or she is on your side. This, unfortunately, is not the case. Insurance adjusters are hired by, and work for, insurance companies. Keep in mind that, yes you do pay the insurance company money to insure you, but the insurance company doesn’t really work for you, the company works for its shareholders. That means the adjuster works for the shareholders too. Keep this in mind when you are talking to the adjuster, he or she doesn’t work for you.

Tip Two

Because of this, the adjuster’s job is to save money whenever possible. If he pays on insurance claims, it’s money leaving the insurance company. So, his job is to find ways not to pay, or not to pay as much. One way he or she will try to do this is to get you to say things that make it seem like you were at fault for the accident that caused your injury or that you could have somehow avoided the accident. The adjuster is likely to ask questions like, what could you have done to avoid the accident? It seems clear that this is leading you to say you were at fault when you see it here, but it is much harder to avoid answering this question properly when the adjuster is there asking it. This tip then is to be very, very careful of what you say to the adjuster.

Tip Three

Protect yourself. The best way to protect yourself and get the money you deserve is to hire a professional who knows how to talk to insurance companies and insurance adjusters. The best person for this job is a lawyer. Lawyers who work with personal injury cases are pros at talking to insurance people and getting their clients the compensation they deserve.

Always keep in mind that insurance companies don’t want to pay you if they can avoid it. If they can’t, they want to pay as little as possible, so be prepared to protect you.

Five Ways a Home Insurance Claim can help you

Home insurance is the best way to insure and cover the various kinds of losses occurring to the home and possessions by natural disasters or external factors financially. Insurance can hold for both Commercial and Residential properties where the insurance policies and claiming process is different. Thus, it makes the fact of home to be insured and financially protected at any mishap cost. Home Insurance Claim is a complex and very confusing process. It is necessary to read and understand the Insurance Policies before you take any kind of step.  Examine which policy cover will be suitable for your home and pay the installment of the insurance in a prompt manner to get Home Insurance claim at the right opportunity.

The Home insurance has become a fact of life, as it helps in the crisis when the home is damaged. There are some reasons to state that having a Home Insurance Claim will be beneficial to your home and you.

1. Wind and Hail – Strong winds and hails have the tendency to cause damage to the home to an extent and in the US it is one of the most commonly seen issues to fill the Home insurance Claim. Strong Wind like tornadoes, tropical storms or hurricanes and Hail may tear up your home roof or make the objects in the backyard to fly and damage the home windows and the cars. So, one can claim the Home insurance for the Substantial damage by the wind and Hail.
2. Water Damage – There are two types of water Damages considered in the Insurance policies, one type is occurred by the Natural disaster like flood and another one is from water damage caused by some defect such as burst pipes and leakage. The Improper maintenance of home plumbing system will cause exceptional damage cost to the possession, which can be covered by the Home Insurance policy.
3. Fire Damage – The effect of the fire Damages are huge and incomparable than any other damages as it will destroy all the things which come in its way completely. Thus selecting a Fire Insurance policy which covers the fire damages is necessary.
4. Lighting – Lighting which travels 400 m/h and generates heat of about 90,032° F temp can severely damage the part of the house. A strike of Lighting on the home can create extensive harm to the home by damaging the electrical system and water system in the home.
5. Vandalism – Vandalism can also get covered under the Home Insurance Policy. If anyone is intentionally damaged your property through various acts, then one can seek the home Insurance policy coverage to get the Insurance Claim for the damaged items of the property, if it is on the cover of your policy.