After receiving lots of inspiring feedback from blog readers after my last post encouraging a call to action, I felt confident in continuing the series. Little did I know the next entry was right around the corner and originating from a similar scenario.

This Week’s Issue

I helped a client reach resolution this week in a case filed in a Northeastern state. Again, we achieved a six-figure settlement for a commercial property loss occurring a few years ago. Again, the carrier issued a claim denial (claim amount less than deductible this time) until we were in the middle of court-ordered mediation.

After a long day back and forth, again, we reached resolution. This time, though, I was somewhat thrilled and the client was not as happy as it seemed they should have been. The difference, you might ask? The client’s claim preparation and presentation to the carrier.

Just like a few weeks ago, the client netted a not-insignificant six-figure claim payment. The claim payment, though, was two years late and still less than the client spent replacing the damaged property. This time—no matter how vehemently the client disagreed—all fault could not be laid at the carrier’s feet.

How Could This Happen?

Unfortunately, the policyholder made several missteps prior to finally consulting a professional that represents policyholder interests regarding property damage insurance claims:

  1. After the carrier inspected the property and found minimal roof damage, the policyholder replaced the roof. Without giving the carrier notice. Without giving the carrier an opportunity to re-inspect. Without an estimate with pictures showing the damage requiring full replacement.
  2. After the carrier inspected the property and found minimal window damage, the policyholder replaced all the windows. Without giving the carrier notice. Without giving the carrier an opportunity to re-inspect. Without an estimate with pictures showing the damage requiring full replacement.
  3. After the carrier inspected the property and found minimal fence and other structures damage, the policyholder replaced the fence and other structure. Without giving the carrier notice. Without giving the carrier an opportunity to re-inspect. Without an estimate with pictures showing the damage requiring full replacement.

After the carrier refused to pay the invoices the client submitted for these repairs, the policyholder finally sought professional assistance. Through a series of re-inspections and carrier conduct discovered after Merlin Law Group was hired, we were able to help reach the resolution discussed above.

What Does This Mean For Me?

From the policyholder perspective, we would encourage you to seek professional help as soon as reasonably possible after suffering a property damage loss. Public adjusters and policyholder attorneys know the best actions to take—and not take—to set your claim for success.

From the public adjuster perspective, we would encourage you to call on us to help figure out challenging aspects of any claim you are handling. My colleagues and I are happy to discuss the issues to help you bring your claims across the finish line.

Whatever the issue may be and from whichever perspective it comes, get the right claim assistance.

Motivational Poster Of The Day

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