When your home or business suffers fire or water damage, one of the first things you need to do is consult with an experienced fire and water restoration company about your damages and what it will take to restore your property. You most likely have insurance on your home or business, which likely contains coverage for fire and water damage events. But just because you have an insurance policy with the kind of coverage you need, does not mean that the insurance company is going to happily pay out your claim. Many people often find that their insurance company is reluctant to pay out their fire or water damage property claim.
Insurance companies are notorious for being difficult when it comes to paying out property damage claims. While generally most insurance companies are helpful and cooperative when a policyholder files a property damage claim, there are some difficult insurance companies that delay and dispute home and business owner’s claims for property damage because they want to conduct their own investigation into your claim, assess the damage for themselves, and have one of their own appraisers assess the claim. The point of all of this is for the insurance company to justify why it is going to pay your claim and to identify any reason why they can deny your claim if possible.
For instance, many insurance policies have specific provisions in them that free the insurance company from liability on your property damage claim if you were responsible for intentionally causing the property damage. It is possible that the insurance company might try to claim that they will not pay your claim because there is evidence that you were involved in causing the property damage in the first place. This is uncommon, but it does happen.
More often than not, the insurance company simply tries to delay paying your claim, or disputes the amount of your property damage claim so that you can enter into settlement negotiations with the insurance company. Insurance companies like to enter into settlements because they usually pay less than what your claim might have been assessed at. This translates to the insurance company’s bottom line and saves them money on your claim.
Get A Restoration Company That Can Help You With Your Insurance Claim
If your property has suffered fire or water damage, there is no reason that you should suffer through the insurance claim process alone, especially if you are unfamiliar with the claims process. The professionals at Dason Fire & Water Restoration have lots of experience helping clients to deal with their insurance company during the claims process, and we would be more than happy to help you as well.
The aftermath of a fire or water damage event can be trying enough without having to battle with an insurance company of claim coverage. Let us help you with your restoration efforts and your insurance claim. At Dason Fire & Water Restoration we work hard to restore your loss. We can be contacted either online or by calling 918-379-0390.