As Irene pounds the east coast many people now remember how important it is to have a good insurance adjuster, whens there is hurricane or storm damage. Under the law, insurance companies have to send an adjuster such as http://www.benboothe.com within a short time framework, some within 15 days. Adjusters must be available to inspect the damage quickly. And most people don’t know, whatever settlement the adjuster gives, is binding upon the insurance companies. “Our average hurricaneresponse time is 2 days” reported Ben Boothe, who is a licensed insurance adjuster in several states, a broker, and a licensed appraiser. Boothe represents national insurance companies, banks and also does adjustment, valuationand appraisal consulting for special projects.
“It is very frustrating to people to have their commercial businesses, retail stores or homes a total mess, and the insurance company not respond. People want the insurance adjuster to be there and take photos and see how ba
http://www.benboothe.com Can offer quick response to inspect, adjust and appraise your damage. “Timing is critical” says Ben Boothed it really is. So we work day and night to help people out.”
For those thousands of property owners who have property destroyed by the storm, be sure your company does not have clauses that will allow them to avoid paying. Many distinguish “water damage” from storm damage, and will not pay for one or the other.
You do not have to accept the dollar amount that your insurance adjuster gives, indeed you can ask for another adjuster, or even hire a “public adjuster” to inspect your property. If the adjuster that you bring in allows $100,000 in damages and your insurance company adjuster allows $75,000 in damages, then they will negotiate a settlement that is fair and hopefully agreeable with you.
If you can find an adjuster that also has an appraisal license, then you have more credibility. Ben Boothe, President of Boothe and Associates (http://www.benboothe.com) is both a licensed insurance adjuster and a licensed appraiser. If there is a value dispute, then an appraiser will be called in. If you already have a report done by an appraiser and an adjuster, you have more credibility.
Did you know that 90% of the adjustments done by adjusters who are also licensed appraisers, stand up without alteration. So, our advice, is that if you can manage it, hire an adjuster with appraisal credentials.
See this video for helpful hints on how to get a fair insurance adjustment during storms such as Irene: