This book provides information about property insurance claim process by Licensed Public Adjuster who has first hand knowledge and experience by helping the home and business owners in the claim process. Insurance claim is difficult process to follow. Many factors come to play : the policy, type of damage , presentation and restoration. Dealing with insurance adjusters who trained to underpay or denied homeowners claim can be time consuming and frustrating experience. I have try to forward some essential information for homeowners to be prepared by having correct policy's, coverage's and claim process.
This book should be on the shelf in EVERY home. This book should be in EVERY automobile glove box. Do you carry a spare tire in the trunk of your car? Do you have jumper cables in your car? Do you have a toolbox at home? Ever bought a book that showed you how to fix something? Do you own a first aid kit? Do you have a fire extinguisher or smoke alarms in your home? Why would you do ANY of those things? ANSWER: So you are prepared BEFORE something happens to you. READ THIS BOOK BEFORE SOMETHING BAD HAPPENS TO YOU!! READ THIS BOOK AFTER SOMETHING BAD HAPPENS TO YOU TO KEEP IT FROM GETTING WORSE!!
This book details key property and casualty concepts rarely discussed or found in print; rather they are often left to be "discovered" over time. These important concepts are now written down for all insurance practitioners to easily access. Examples of the topics and concepts found in this book include rules for reading ANY insurance policy; why losses are excluded; contractual risk transfer; legal liability theories; "COPE" details; and the proper explanation of coinsurance concepts. Also included is a rather extensive glossary of insurance and insurance-related terms. Readers will: 1) Gain a deeper understanding of insurance theories; 2) Be better prepared to explain insurance concepts to their clients; and 3) Develop a greater appreciation and understanding of the claims valuation process.
Congratulations on your decision to gain the skills that will enable you to become a top insurance claims adjuster. The position of an insurance adjuster requires attention to detail, critical thinking skills, exceptional judgment, decision-making capability, and an understanding of your responsibility to both the homeowner and the insurance company. As a property claims adjuster, you will apply the knowledge, tools, and skills necessary to ensure that property claims settlements are processed speedily and that settlement is fair to all parties. You will assist people in navigating the many responsibilities relating to a personal property claim while providing the support necessary to assist the insured in recovering from a difficult period in their lives. The professionalism you will bring to the field helps to ensure that the insurer is protected from false, expanded, and fraudulent claims. Positions within the field of insurance claims are stable, challenging, and present an exceptional opportunity for personal and career growth. Individuals and business owners purchase insurance to help protect them against losses that may occur due to events beyond their control. When a loss occurs, the policyholder will seek monetary assistance from the insurance company that has issued a policy that protects their home or business. When a loss occurs, the insurance claims adjuster's primary duties are to investigate and evaluate each element of the claim, negotiate claim payment settlements and ensure that the claim process is closed in a manner that is fair and just for all parties. This course provides the fundamental knowledge, tools, and skills that you need to start on the path to adjusting career success.
The first complete, non-technical guide to insurance claims, written for homeowners, by an experienced, unbiased claims adjuster. Policyholders no longer have to rely on their insurance company for vital information about their policy or the claims process; it is all explained here, in plain language that anyone can understand. The claims process is described in detail from beginning to end, with emphasis on settling the claim quickly & fairly, & avoiding disputes. The homeowners policy is explained at length, & a complete standard policy is included in the appendix. A 200-word dictionary explains all the common insurance terms used in a claim. Several commonly-used blank forms are included, to aid the homeowner in completing their own claim calculations. A chapter on Building Contractors explains how to find, hire, & use a contractor, & to avoid the many problems that can arise (such as liens on your house!). Government aid programs are explained, including tax breaks for homeowners from the IRS. Order from Claim Publishing, 1219 Columbus Avenue, #109, Glendale, CA 91202 (818) 241-4314.
In these troubled economic times a home is a precious commodity. Protecting that investment has never been more important for homeowners and property owners. When Mother Nature or good old fashion bad luck cause damage to a property, homeowners turn to their insurers to help them restore their property. Insurers, meanwhile, are as equally interested in enhancing their bottom lines as homeowners are in protecting their investment. When these interests collide, the claim game begins and the fight to protect your home and get what is owed you becomes a high stakes game of chance. Without the right guidance, without knowing the Rules of the Game--rules written by and for the insurers--you could find yourself on the losing end. The Claim Game levels the playing field between homeowners and insurers by giving homeowners the knowledge and tools needed to empower themselves so that they can get every penny owed them and claim victory. Discover the secrets to homeowner insurance settlement with the only step-by-step guide to property insurance claims written by an insurance insider. Exposing little-known methods that enable you to expedite your claim and get every penny owed you, The Claim Game is your comprehensive resource for homeowners insurance and property damage claims. The Claim Game will teach you how to: - Settle claims quickly and fairly. - Reduce or eliminate your deductible. - Decipher a policy so it makes sense. - Discover hidden coverages that protect you and save money. - Organize claim information to expedite your claim. - Get a denied claim covered. - Understand an estimate from a contractor or an insurer. - Select the right contractor to repair your home or property. Also included: - Claim-specific guidance for many types of losses including hurricane, tornado, earthquake, hail, fire and many others. - An in-depth exploration of the most common issues and concerns homeowners encounter. Don't let what you DON'T know cost you!
Every year, millions of Americans are faced with having to file a property insurance claim. This book is an informative, simple guide to help you better understand the property insurance claim process.
