After your property is damaged and you file a claim, the insurance company will look at evidence provided and decide whether to pay you for your claim. If your claim is denied, the next step is to dispute their decision or hire a public adjuster to fight the insurance company for you. Either way, having a claim journal helps expedite the dispute process.
4 benefits of keeping a claim journal
Benefit 1
Having a claim journal can help you collect a higher payout.
Weeks or even months after your property damage claim is filed, your recollection of details may be fuzzy, and you may miss out on collecting compensation for items you are entitled payment for. If your property is damaged and your home is deemed uninhabitable, keep a detailed record of hotel or rent costs, groceries, and other expenses you incur as a result of leaving your property. Depending on your insurance policy, you may be able to receive compensation for these expenses and more.
Benefit 2
A claim journal helps keep your story consistent.
Your claim will be handled by several different parties within the insurance company, making it easy for vital details to be missed. Each of these parties may contact you, and asking them what information they have on hand and filling in the blanks or adding missing items can help your claim process move forward faster.
Benefit 3
A public adjuster will review your claim journal and take it from there.
If your claim is denied, hiring a public adjuster can help increase the likelihood of receiving a payout for your damage. Your public adjuster will ask you a few questions, but if you have a claim journal, then aside from a few basic questions, they will have everything they need to fight the insurance company for you.
Benefit 4
Claim journals contain every detail pertaining to your claim.
Your claim journal is a detailed record containing pictures, videos, names of insurance company representatives who’ve reached out to you, and so much more. A great claim journal is detailed. You can even add screenshots from your phone of calls made. This way phone numbers, call lengths, and call dates are all within one image.
Is it time to hire a public adjuster?
If you have a property damage claim and you want a stress-free process, a public adjuster will take on the burden of fighting the insurance company to help you receive the highest possible payout.
Call 954-669-4935 now for a free claim review, or go to WeGetYouPaid.com