Tag Archives: Insurance Claims in Chicago

How To Prepare For Settling Water Damage Claim In Skokie & Chicago IL

Dissolving in histrionics is certainly not the right way to react after your property has been destroyed by a devastating fire, flooding or a natural calamity of enormous proportion. Going over the damaged portions of your property and then restoring them ASAP may prove to be too much of a responsibility when you have to deal with the shock and wellbeing of your loved ones too. It makes sense therefore to pass the onus on to a professional adjuster who will be able to deal with insurance claims in Chicago competently. Contacting your insurance company and answering their queries correctly is yet another way to claim compensation for water damage claim in Skokie & Chicago IL. Allow a professional adjuster to gauge the entire damage and consult with your insurance company in order to help you make good your loss.

Meeting an adjuster from your insurance company indicates that the negotiation for your claim is about to begin. Do not be carried away by emotions though. Check out the procedures involved and handle them to the best of your ability.

Initial Offer– The insurance company will no doubt discuss the pros and cons of your claim at first. Be prepared for an initial settlement that is sure to be considerably less than the amount you had requested. It is not going to help your cause, if you haggle without checking the facts. It is always advisable to contact the best adjuster in the city who can act on your behalf.

Reservation of Rights– Do not be unduly alarmed to receive a ‘reservation of rights’ letter from your insurance company. It is just a convention by which the company is trying to protect itself. While the letter will tell you that the insurance company will reserve its rights not to honor your claim, if the cause of damage was not covered by your policy.

The Amount– While it is necessary to demand a certain amount as part of your settlement, you should be prepared to negotiate with the adjuster. Having a lower amount in mind even as the negotiations go on happens to be a great way to stick to your points. Remember, however, that the figure may have to be tweaked, if you are unable to justify your stand.

Negotiation– Do not accept the very first offer that the insurance adjuster makes though. Try to bargain a bit with and be guided by your own appointed adjuster, if you do not feel that you are equipped to handle the bargaining in a befitting manner.

Upper hand– Put the ball in the insurance adjuster’s court by asking him to justify the abysmally low amount he/she has been offering as settlement. Do note the replies and make a counter offer. Feel free to carry on with the negotiations until an amount considered to be fair by both parties is arrived at.

Written Statement – It is imperative to have the final settlement in writing. You need to send a letter to the concerned insurance company confirming the agreement. Do not forget to mention the amount and state the injuries/damages covered along with a date/period by which you hope to receive the settlement needs to be included as well.


Avail by the Affordable Insurance Claims in Chicago to Protect Properties from Disasters

Fire damage restoration can be an arduous process, and calls for proper industrial equipment to be used with modern techniques applied by industry experts. Many have the idea that using the vacuum cleaners is enough, but that is not what the ideal scenario says. Along with it, time is of the greatest essence. When the fire breaks out within a household, the victims are more concerned about saving their life along with their personal belongings. But while this is being done, making the insurance claims in Chicago is an important step to do, since the restoration companies would like to work on your property only after having the papers.

There might be serious consequences of delaying the restoration projects, and this is what the experts in the field have got to say. Apart from the obvious damage to belongings that the heat, flames, soot and smoke causes, the powerful contaminators carry out their destruction according to their rights. The exposure to the damaging agents needs to be immediately dealt with, to limit the restoration cost, which otherwise might surge to a completely new level. The various chances of destruction within include the discoloration of the plastics, marble, and alabaster within few minutes of the blaze resulting in a marred outlook of the floors and objects. The moment the fire breaks out, there are a good amount of acidic soot that is spread all over, and within just a couple of hours, it starts reacting, changing the color of the bathing fixtures, countertop and the furniture completely yellowish.

Apart from all the structural destruction solely caused by the flames, the acidic soot alone is capable enough to cause irreparable harm to the interior belongings of the home. Some might be thinking of the damage section ending with it, but odor removal peeps out right at this point to add up to the list of the challenges that being faced. Obviously, one tries to put off the fire with water, but such methods applied for extinguishing the inferno just adds up to the already existing huge pile of complications.

When surveying an incidence of fire damage, be it a residential or commercial structure, it is highly essential to search for all the areas within the property, including places which might not be expected for the smoke to travel. Areas like the closets, drawers, and cabinets might appear to be intact externally, but their contents have high chances of being affected. Hence it makes complete sense to work with reputed companies like Musick Loss Management Inc who delivers efficient fire damage restoration in Chicago, carrying out the inspection not just accurately, but also adequately maintaining the structural integrity of the property, without overlooking any of the damages that might turn out to be problematic down the road.

While the owners of the properties are already in knee deep trouble with the fire and smoke attack ruining a major portion of the buildings, it makes sense to abide by the expert restoration companies in the market. That to some extent decreases the hassle and promises to carry out the restoration project efficiently.