Dealing with your insurance company can be challenging. At the end of the day, the insurance agent represents the company, and they are incentivized to save the company money, which means denying claims. If you want to persuade your insurer to give you the biggest payout, then you will need to make a strong case in your insurance claim negotiation sessions.
Our team at Santex Public Adjusters has extensive experience in the negotiation process, and we’re here to shed some more light onto the insurance claim negotiation process. Below, we’ve provided three key tips to help you navigate insurance claim negotiations.
- Know your policy. Our first tip for insurance claim negotiation is to study your policy. Insurance companies often count on their policyholders not being familiar with the text of their policy agreements to pressure them into accepting an offer that is worth less than the full value of their coverage. Our team can help you become familiar with your policy so that you won’t fall for this trick.
- Document everything. Our second tip for insurance claim negotiation is to document everything about the damage and the claims process. We can help you collect photos and text to document the damage to your property so your insurer can’t later claim the damage was less severe than you are claiming.
- Enlist professional help. Our third tip for insurance claim negotiation is to call for backup—in other words, enlist help from public insurance adjusters like us. Our job is to work on your behalf to fight for the most favorable possible outcome.