| FAQs ON RESIDENTIAL CLAIMS |
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Will my insurance company pay for me to live elsewhere? Yes. As long as you have Additional Living Expense (ALE) coverage, Maximum Insurance Adjusters can get you advance payment of ALE funds to help you pay for alternate living arrangements while your house is being repaired or rebuilt. If your house was not fully damaged, you may be entitled to Additional Living Expense (ALE) payments if you were ordered out of your house by the fire department, city, code enforcement, or any governmental agency. Remember, Additional Living Expense coverage does not pay all of your post-peril expenses, only those over and above your normal expenses. How should I document my loss and prepare my content list? Documenting your loss and preparing a content list after a loss can be extremely overwhelming and difficult to perform. At Maximum Insurance Adjusters we will prepare your content list with you, review the damages, document it, and photograph the damages. Having a complete and accurate content list and accompanying documentation will help us put an accurate dollar value on your claim. This will help us negotiate your claim for the highest settlement amount under your policy with your insurance company. How long will it take to receive money on my claim? It depends on each claim, the amount of supporting documentation available, previous payout amounts (if any), and how the claim has been handled. A claim, whether large or small, can take anywhere from 60 days up to a year to generate payment. Some claims can take longer if there are complicating factors. Maximum Insurance Adjusters constantly strives to get payment issued to our clients as soon as possible, whether through an initial partial payment or full payment of the settlement. If partial payment is issued, Maximum Insurance Adjusters will pursue re-inspection, mediation, or even appraisal to ensure our clients get the maximum settlement under the policy for their loss. Do I have to accept the payment offered by my insurance company? No. If the money offered is less then what you need to complete your repairs, Maximum Insurance Adjusters can always file a supplemental claim and get you the money that you are entitled to under your policy. If your insurance company has issued you a check it is important to consult with Maximum Insurance Adjusters, or legal counsel, before depositing the check. Deposit of checks from your insurance company can prevent you from re-opening the claim or pursuing additional money from the insurance company. Should I sign any documents the insurance company gives me? No. Do not sign any release or waivers of any kind until you speak with a Public Adjuster or legal counsel. You do not want to waive any rights that would otherwise increase your settlement. At Maximum Insurance Adjusters, we only represent you, the police holder, and we look out for your best interests. We will carefully review any and all documents from your insurance company with you to help you make a decision that will be in your best interests. |