WHAT WE DO
INSURANCE CLAIM PROCESS
There are many steps to the property damage insurance claim process, and it is important to have an experienced and knowledgeable public adjuster from PICC to guide you through the claims process and protect your interests along the way.
Prior to a loss
Should a loss occur
Inspecting the loss
Final Step: Payment
1.PRIOR TO A LOSS
To expedite the property damage claim process, preparations should begin before any potential damage occurs. Take the time to review your insurance policy and understand what it covers and what it does not. Keep the policy in a safe place and keep a second copy outside of the property at another location. Shoot a video or take photographs of both the interior and exterior of the property to document its condition and to catalog personal belongings.
3. CALL PICC TO HELP
At this point you should call People’s Insurance Claim Center to hire an expert public adjuster to handle the property damage claim process. Your public adjuster will inspect your property, estimate repair costs, file your claim to the insurance company and act on your behalf during every phase of the damage claim process.
2. SHOULD A LOSS OCCUR
Once property damage has occurred it is time for damage control so you can limit your losses. This is the time to attempt to stop further damage and salvage anything possible. Depending on the damage experienced, this could include using tarps to stop roof leaks, boarding up broken windows to prevent the elements from entering, calling a plumber to fix a pipe from continuing to leak and calling a remediation company to remove accumulated water and moisture. Every attempt should be made to suppress any further damage as an insurance company may deny part of a claim if it determines the additional damage was avoidable.
4. INSPECTING THE LOSS
Soon after property damage is reported to the insurance company, they will send an adjuster to inspect the property to meet with one of our professionals. Their adjuster will survey the damage with an eye toward protecting the insurance company’s financial interests by minimizing your claim. You want to have a public adjuster to advocate for you during this process. Your public adjuster will work hard to find all of the damage your property has suffered, including any hidden damage, and make sure that you are fairly compensated for it.
5. FINAL STEP:GETTING PAYMENT
When your insurance company issues you your payment it is important not to sign any release or other type of agreement that would prevent you from filing for a supplemental payment or re-opening the claim. This is not necessarily your final payment and if you have not hired a public adjuster by this point now is the time to call PICC. A public adjuster can still inspect your property on your behalf and re-file for additional compensation if further damage related to the initial loss is found. A recent study by the State of Florida found that when you use a public adjuster, you are likely to receive a payout 166% greater than if you do not use a public adjuster.
If you are sent a denial letter for your property damage claim, PICC will work to get the denial reversed for a second look. Be sure to also keep all correspondence from your insurance regarding the denial as they will be helpful to your public adjuster in securing your claim
Years in Business
Successfully Settled Claims
Years of Experience
Water damage is one of the most commonly filed insurance claims. Water damage includes pipe bursts, dishwasher leaks, icemaker lines, AC leaks, etc. These types of claims are often current issues that happen unexpectedly and need to be mitigated right away.
Hurricane and Tropical Storm force winds are extremely destructive to our homes and businesses. Insurance companies usually underpay Hurricane Claims. It is highly recommended that property and business owners purchase coverage for Hurricane damage to protect their assets.
Many homeowners are confused about what exactly is covered by their property insurance policies when it is a roof leak. If, for instance, water leaks through their ceilings during a heavy rainstorm and damages their interior walls, furniture and personal belongs, most of the time it is covered loss.
Flood is regulated by NFIP and has to have a 2 mile radius and be considered a “conditional flood”. Flood coverage provides a great amount of protection that is not provided by a typical homeowner’s policy and is highly recommended to have.
Damage from the fire’s flames, smoke damage, is very dangerous and damaging. The resulting damage from a fire must be professionally evaluated by an experienced loss consultant and estimator to ensure that the homeowner is properly indemnified.
Walking into your home or business after it has been damaged by a break-in, vandals or prior tenants’ is devastating. At PICC, our job is to ensure that your damages are properly reported and your claim is filed immediately, so we can recover what you deserve.
Mold damage is one of the most commonly filed insurance claims. These types of claims are often current issues that happen unexpectedly and need to be mitigated right away.
LOSS OF INCOME DUE TO PROPERTY DAMAGE
Depending on how long you’ll be unable to live in your home, there are different options available. A PICC representative can help you find temporary housing and explain your coverage for Additional Living Expenses.
LOSS OF RENT DUE TO PROPERTY DAMAGE
Loss of use coverage may provide reimbursement for the loss of rental property income. Call PICC so we can discuss this coverage with you further.