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Homeowners Insurance Claims - A Nightmare Waiting To Happen

March 30, 2012 | Comments: 0 | Views: 180

You should claim all that you are entitled to when making Homeowners Insurance Claims. You need to know how to beat the tricks and schemes dreamed up by Unscrupulous Claims Handlers. You need to know how to defend the value of everything you own.

"There has never been a better time to do the best thing you ever do". The insurance industry is part of the financial services industry which is tightening it's purse strings. Premiums are increasing and more claims are being rejected. You need to take control of your insurance policy and ensure that you are not going to suffer because of the economic downturn which is set to last for many years.

Because of natural disasters happening on a global scale you cannot be sure that disaster will not happen in your life.

Severe flooding is testing the management of homeowners insurance claims worldwide. Fires are raging out of control and wiping out property in whole communities.

Enough of the 'scary stuff', let's just consider you as a homeowner just wanting to get on with the life that you have planned for yourself and your family.

Protect yourself and your family by getting expert advice that can fully explain the very best route to take with Insurers, Loss Adjusters and Contractors. Don't be disadvantaged just because you have a disaster!

I used to own a business that supplied insurers with restoration and repair services and for 11 years I saw people getting a very poor deal because they did not know how to succeed with Homeowners Insurance Claims. There is no science to it or even common sense. You may ask how that can be but let me assure you that when disaster strikes, no amount of science or common sense can kick in. There is just too much shock and emotion coursing through your mind.

Never forget that it is not your fault. More than anything else you need to take control, you need to absolutely understand what to do, you need a friend, someone who knows what to do.

Here Is Your Initial Checklist.

· Make sure you know where everyone is and that they are OK

· Call your insurer's emergency service

· Call the Fire Service

· If it is safe to do so save your Portable valuables.

· If you can, get hold of your insurance policy. This is not a life or death issue.

· Homeowners Insurance Claims are commonplace: you are not alone.

· Do whatever your insurers advise at this stage because they have your welfare at heart.

· Be very sure to be there when the first person representing your insurers arrives on site.

· Have a witness with you and confirm all understanding.

· Remember that it your property and nothing can happen until and unless you agree. This is your greatest benefit.

OK. So that is the easy part, now you have all manner of decisions to make on all manner of subjects. But if you take things as they come you will not worry too much about little unimportant things.

Now, your insurers will send all manner of people to start the claims restoration process and be sure to QUALIFY ALL CONTRACTORS. There is advice that tells you how.

To take and keep control is extremely difficult in very trying circumstances so you will need "friends" in the supply chain. Your adviser should tell you how to go about that too.

Homeowner Insurance claims procedures are the same throughout Europe, the USA and Canada. It is just the people who are different. The rules apply equally across the "pond".

Your advisers should know how to keep matters in balance, you know, how to give and take and with whom. It is unlikely that you will profit from disaster but if you follow my guide you most certainly will not lose out. You just have know how to keep the scales balanced in your favour.

So many people are caught out by not being prepared when making homeowners insurance claims. They just needed a bit of help to prepare for what we all hope and pray will never happen to them. Unfortunately disasters are ever more likely and insurers know it. They are not making it easy for us as they used to. Making a claim and having full repayment is getting more difficult by the day.

Don't allow yourself to be bamboozled by 'jargon and protocols'. Take control and I use the advice you are given. Knowledge and experience are great strengths and you can get both from the good advice.

There is no point in waiting for something bad to happen, get the knowledge now and sleep well in the knowledge that at least you have the ammunition to ensure that your disaster claim will be successful. Lord knows that nobody wants a disaster in their life but if it happens you can win through by using my experience of insurance claims management.

Invest in your future and do it now!!

All the questions and facts above are answered or remarked upon in my book which takes you from start to finish of a major claim. All in logical steps that are easy to follow. There is more information about homeowners insurance claims on my website. Go Here

Source: EzineArticles
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