Hi, my name is Stephanie (s t eh-f uh-n ee), I'm a certified Texas Public Adjuster. Go ahead, look me up, I dare you. What that means, in relatable terms, is that I'm kind of like the insurance adjuster your insurance company sends out when you file a claim. The main difference is that, I don't work for the insurance company! I'm not bound by bureaucratic red tape or have a manager breathing down my neck about company policy because, I'm a free agent! I really work for the likes of you, policy holders! My main goal here is to provide you with invaluable information and assistance in things insurance related because, well, no one likes insurance. Having to translate policy language is yucky. Not knowing what you can call your insurance company out on, if you're being treated fairly, the list goes on and at the end of it all you may feel like you've gotten yourself into a snake pit. Nay, no more pits! View this as a sign from above. My team and I are here for you!
Today, I'm going to talk to you about Supplemental Claims. Look, I know it sounds very boring but I'm going to make it quick. What's a supplemental claim, you might ask? My insurance company or their representatives never mentioned this to me before! (If they have, you're a lucky bird). If they haven't mentioned supplemental claims, that's not very good. In my personal opinion, insurance companies will sometimes not offer information like this unless expressly asked and/or you'll have to dig for it in the fine print of any documentation they have provided you. Even then, it's hard to interpret. At any rate, that's why I'm here, to get people in the know.
Moving on to supplemental claims, what are they and how can they help insureds? Well, let’s start from the beginning. Typically, starting off, a claimant will call their insurance company, file their claim, if the damage is covered, the insurance company issues payment for the estimated damage. Depending on the policy, a claimant will be able to submit confirmation of the work done for Recoverable Depreciation and then call it a day. Whew!
But, sometimes, and this is where supplemental claims come in, things happen and people will find additional (hidden) damages to their home while repairs are being done. Or, down the road, claimants find damage that is a result of the original damage or loss covered under the claim.
Hold the phone! Insurance companies have to cover these types of damages, you might ask? HO HO HO, you bet your sweet dinner buns they do!
Look, at the end of the day, everything, and I mean everything is circumstantial and largely dependent on your individual policy and what's happened with your claim, if there is one. It's hard, difficult and just plain awful to deal with insurance, policy, and just thinking of filing a claim. I know, I work in this industry every day! I don't like the way it's run. So, I'm here to help bring some sort of normalcy and order back into this realm of legal jargon and general hoopla.
If you have any question, ask us! We give free (yes, you read that right, free) consultations! Just send us a copy of your policy and a few words describing what's going on in your situation and we'll help you! Promise. We are a large team of certified, bonded, and licensed public adjusters!!
Disclaimer: Any similarities to actual attitudes and/or practices of insurance companies are purely coincidental...but if the shoe fits... you may want to re-think your business practices. All content provided on this blog is for informational purposes only. The owner of this blog or Morgan Elite Specialist Services, LLC will not be liable for any errors or omissions in this information nor for the availability of this information. The owner will not be liable for any losses, injuries, or damages from the display or use of this information
RELATED LINKS: www.messtx.com
© 2016 MESSTX.com
The team of Public Adjusters at Morgan Elite Specialist Services have over 25 years of experience in the insurance industry. All of our adjusters are licensed and bonded by the Department of Insurance and are required to take continuing education courses annually.