There are countless facts that many people don’t know about homeowners insurance & claims. At Property Damage Consultants, we are public adjusting experts who understand the process of investigating and filing a claim. We also understand the little-known things that the general public typically doesn’t know about homeowners insurance & claims. 

#1 Your credit score can influence how much you paid for insurance. 

While this doesn’t directly pertain to insurance claims, it does pertain to the cost of the coverage you’re provided. Most companies use these scores, except those in Massachusetts, Maryland, and California where it is prohibited. They determine how you manage your money and how likely you will be to file an insurance claim with your score. 

#2 Your homeowner’s insurance probably covers more than you know. 

While most home insurance doesn’t include flood damage, it may protect you from other things that you didn’t know. This may include volcano and even meteor damage. The lesson here is to read your policy clearly and fully understand your coverage should you need to make a claim. This allows you to decide if you want to add additional coverage such as for earthquakes if you live where they are prominent. 

#3 You can sometimes reopen a claim even after you accept a settlement check. 

You may be able to reopen your insurance claim and file for an additional amount as long as it’s one year from the date of your claim. This may pertain to additional required repairs that weren’t clear before the work started. Your state’s department of insurance will be able to tell you if you’re able to reopen your claim or not. 

#4 Many insurance claims are denied because you failed to maintain your property. 

Ultimately, home insurance is for unexpected damage and not things that could be avoided with regular maintenance. Neglecting your home or commercial property like damage from a leaky pipe or a roof that required replacement can lead to claim denial. 

Have An Experienced Palm Beach Public Adjuster By Your Side

When you hire someone who specializes in the insurance claim process, you can be rest assured you’ll get the results you’re looking for. At Property Damage Consultants, we work diligently every step of the process to help you get much-needed compensation for your damages. When you want to learn more about what we can do for you, call our expert team to schedule a free consultation at 561-258-9387. We represent clients in a variety of states and U.S. territories.

November 16, 2022
Four Things Most People Don't Know About Homeowners Insurance & Claims

Four Things Most People Don’t Know About Homeowners Insurance & Claims

If your property loss or damage claim has been denied or determined to be “below deductible”, it may not be the end of the road for you. Peace of mind is still possible with the assistance of a Property Damage Consultants Licensed and Bonded Public Adjuster, granted you indeed have a valid claim.
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Will Your Insurance Company Do The Right Thing?

Will Your Insurance Company Do The Right Thing?

If your property loss or damage claim has been denied or determined to be “below deductible”, it may not be the end of the road for you. Peace of mind is still possible with the assistance of a Property Damage Consultants Licensed and Bonded Public Adjuster, granted you indeed have a valid claim.
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Should you file your own hurricane damage claim

Should You File Your Own Hurricane Damage Claim?

If your property loss or damage claim has been denied or determined to be “below deductible”, it may not be the end of the road for you. Peace of mind is still possible with the assistance of a Property Damage Consultants Licensed and Bonded Public Adjuster, granted you indeed have a valid claim.
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How to Solve Issues With Your Insurance Claim

How to Solve Issues With Your Insurance Claim

If your property loss or damage claim has been denied or determined to be “below deductible”, it may not be the end of the road for you. Peace of mind is still possible with the assistance of a Property Damage Consultants Licensed and Bonded Public Adjuster, granted you indeed have a valid claim.