Accepting a cash settlement for home insurance claims without a full assessment, is not a good idea!
Some insurance companies are trying a new approach to save money on processing insurance claims. They are doing this by, settling claims based on just a few pictures of the damage.
Unbelievably, insurers are now asking customers to send them pictures of the damage to their home. Then they offer a cash settlement based on what they can see in the pictures!
Cutting costs by settling claims with office based Claims Handlers, is an awful way to deal with a claim. Instead, your insurance company should send a Loss Adjuster out to actually assess the damage.
Pictures do not show the full extent of the damage – especially if there is any water damage.
In our experience, Claims Handlers don’t have the same knowledge and experience to settle a claim as a Loss Adjuster. In addition, what’s really worrying, is that pictures will not show any damage beneath the surface. With water damaged properties in particular, this is a big problem. As, if a Loss Adjuster doesn’t actually see the damage, how can they be sure there is no damage beneath?
Let IC Assist assess the damage to your home, to ensure your insurer doesn’t overlook any necessary repairs.
If you’ve been asked you to send them pictures of the damage, then please give us a call before you do. As part of our FREE Claims Management Service, we will forward high quality pictures to your insurer. But only after we have completed a full assessment of the damage to your property. If there is any water damage, we will also take moisture meter readings. These reading determine what building materials we can dry and what we will need to remove and replace. In addition, we can also install our drying equipment to prevent any further damage to your property.