Hurricane Damage Claims

Hurricanes are among the most destructive natural calamities in the U.S. and, depending on the category a hurricane would fall into, effects can range from damages to frame homes, snapping tree branches and power outages to total collapse of frame homes, weeks of power blackout, and inhabitability of affected areas for months.

In repairing or replacing property damages, people depend on their specific insurance companies as the source of adequate finances. Insurance firms, on their part, would send independent adjusters to claimants’ homes to assess property damages, sometimes a day or two after the disaster, not giving a property owner enough time to  correctly asses his/her own losses.

Though independent, these adjusters are hired by insurance firms and so are trained to represent the interests of their employers. Due to this, the result of assessment to property damages is undervalued. In some cases, claims are denied for reasons claimants never understand or, if a claim is approved, release of payment is delayed.

For a property owner to get an accurate estimate and inventory of the damages to his or her personal or commercial property, hiring his own appraiser is often necessary, whether this be an independent or a public appraiser. An appraiser is expected to act in the best interest of property owners, not of insurance firms. According to the U.S Department of Labor – Bureau of Labor Statistics, claims adjusters, appraisers, examiners, and investigators evaluate insurance claims. They decide whether an insurance company must pay a claim, and if so, how much.

Much of the value of your appraisal will come from the knowledge and assessment of the appraiser, so it is essential to work with an appraiser who has an eye for detail, knows the insurance process, and is looking out for your best interests.

In the state of Texas, for example, getting an accurate and fair evaluation of the damages to properties is highly important to make sure that property owners get the fair amount they are owed for an insurance claim. This is why Texas insurance appraisal is always entrusted to consulting & services firms that look for details, are familiar with the insurance process, and have owners’ best interests first and foremost.

Whether you have suffered damage to your personal or commercial property, an appraiser can help you. Some of the most common claims that appraisers deal with include damage from hurricanes, floods, fires, explosions, ice storms, and wind. Some appraisers also deal with claims of business losses due to property damage.

 

 

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