Emergency restoration services, and subsequent reconstruction, are typically covered by property insurance. The sole purpose of an insurance adjuster is to protect the interests of the insurance company, which are diametrically opposed to those of the insured. Fair compensation governed by the tenets of an insurance policy are twisted with half-truths and doublespeak to devalue or deny claims.
Insurance adjusters are painstakingly trained in a variety of techniques to obfuscate insurance company contractual obligations as per the policy. The following essay explores some of the tactics used to refuse coverage for emergency restoration services.
BLITZING THE INSURED
Following a traumatic event requiring emergency restoration services, insurance adjusters are trained to capitalize on vulnerability. Such behavior harnesses the sense of loss and ensuing confusion of the insured. The adjusters end goal will be cloaked in a caring demeanor, lacking any sincerity. This approach is a tactic the insurance adjuster employs to get victims of disaster to let their guard down and provide information that can be used against them later. While it may be tempting to want to trust and engage with him, it is important to remember the insurance adjuster is not your friend.
From the initial telephone call to report an emergency restoration services claim, the insurance company will be recording. Insurance adjusters will ask you to provide information regarding the origin, scope and duration of the event requiring emergency restoration services. Insurance adjusters do not record statements as a tool to fairly compensate for emergency restoration services, and subsequent reconstruction. They use recorded statements to gather information that can be used as a tool to devalue or deny emergency restoration services claims. Insurance company adjusters follow a script, designed to lead the insured into recorded speculation that would trigger a denial. It should be noted that if the insured requests to record the conversation, the insurance company adjuster will refuse and typically disconnect the call.
Following an event requiring emergency restoration services, insurance company adjusters routinely attempt to quickly settle a claim. This tactic is designed to leave the insured grossly underpaid and improperly indemnified. Many insurance consumers do not realize that they have recourse to obtain proper compensation after receiving an anemic settlement and seek no additional monies.
Insurance company adjusters often falsely deny coverage of an emergency restoration services claim. This approach tests the willingness of the insured to pursue the claim after receiving an erroneous denial. Confused and frustrated insurance consumers often abandon a legitimate claim when faced with this tactic.
Insurance companies routinely delay processing emergency restoration services claims to frustrate claimants and exacerbate the financial difficulties associated with the loss. This tactic is designed to take advantage of the insurance consumers vulnerability by magnifying the stress associated with a disaster recovery claim. Delaying the claim is intended to instill a sense of desperation in the claimant, who will often settle for far less than the insurance companies’ contractual obligation demands. Rigid determination is advised when faced with such behavior.
MISREPRESENTING THE POLICY
Some insurance adjusters may try to limit or deny emergency restoration services coverage by willfully misinterpreting policy language. They often attempt to provide limited coverage when an addendum to the policy can be misconstrued as the relevant clause. Additionally, insurance adjusters often limit or deny a claim as a matter of semantics rather than the reality of the loss.
EMERGENCY RESTORATION SERVICES
Property Recovery 911 specializes in emergency restoration services that include water damage restoration, fire damage restoration, mold remediation, biohazard cleanup and a variety of ancillary services. Our certified specialists are committed to assisting victims of disaster protect their interests by quickly removing the source of damage and starting the recovery. Serving residential, commercial, municipal, and industrial clients in Philadelphia as well as the surrounding counties; we are constantly striving to provide the highest level of professionalism, exemplary customer service and rapid response time when called upon to assist in an urgent situation. Contact Us at 267-808-7200 to dispatch a rapid response team, our emergency restoration specialists available and on call 24/7.