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RESIDENTIAL CLAIMS
(Homeowners, including co-ops, condos, owner-occupied multi-family dwellings, etc.)
Appraisers specialize in all aspects of residential property insurance claim valuations. The insurance policy has a clause that allows you to involve an Appraiser that will assist with the proper valuation of your losses. CALL TODAY FOR A NO-OBLIGATION CONSULTATION!
This includes:
• Dwelling
• Other Structures (Unattached garage, shed, etc.)
• Contents / Personal Property
• Additional Living Expenses and Loss of Use• Debris Removal
• Local laws that require upgrades after the loss
• And many more
You may wish to consider the following as well:
a). It may not in your best interest, or your contractor's, for them to be negotiating with the insurance company about what will be repaired or replaced for reduced payments.
b). If you elect to take advantage of the appraisal process, you will not need to involve multiple contractors for estimates which can be a long and tedious endeavor and can delay your claim. The appraisal eliminates such efforts as it is intened to streamline the process.
c). You are entitled to the actual value of the loss, even if you are able to hire a contractor that will do the work for less. This can easily be one of the biggest benefits of invoking appraisal.
Some of the applicable terms that you may need to know if you go it alone:
ACV (actual cash value), RCV (replacement cost value), Guaranteed replacement cost, ALE (additional living expenses), LOU (Loss of Use), POL (proof of loss), Code Upgrade, Coinsurance, Period of Restoration, EUO (examination under oath), etc.
ARE YOU EQUIPPED TO GO IT ALONE?
The vast majority of homeowners are not sufficiently familiar with the insurance policy, let alone the related requirements and roles associated with filing a claim in the proper and/or most beneficial manner. An experienced and qualified appraiser is equipped with the knowledge needed to assist in the proper valuation of your losses.
Policies can have "endorsements", "floaters", "riders", etcetera, and, for example, coverage can be listed on one page and then excluded on another.
The claim process can be very confusing too.
The insurance company adjusters are hired to interpret the policy and the applicable laws according to guidelines which serve their best interests.
Appraisers understand what it takes to value your claim. Please call today for a consultation!
CALL: 518-382-8282
