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Many people describe their experience with an insurance claim after a large loss as a full-time job. The claim process involves legwork, paper work, math, insurance rules, and negotiation. Listing, describing and valuing everything that was damaged or destroyed, meeting with adjusters, inspectors and contractors and reviewing reports and estimates is time-consuming and labor-intensive.

As a property owner, manager, HOA, or REIT, the insurance protection you paid for should include good claim service. In reality, insurance is big business and the average person is not on a level playing field with a big insurance company. You may find that learning the lingo, doing the math and making sure your claim is being fully investigated and fairly paid is too much to handle on your own. With no one to answer your specific questions, it can be worrying not knowing what to expect. You want your damages covered and your policy to cover it. Do you have everything required to file your claim correctly?

Each person’s experience and situation is a little different, so when it comes to making the decision whether or not to hire a professional to take on the challenges of filing a property damage claim the only “right” choice is the one that works for your personal situation. If you are having problems with your insurer after unexpected property loss or damage, or your personal or professional life is making it hard for you to deal with all the details, hiring an independent property claim professional can bring peace-of-mind. They will be part of your insurance recovery process for as long as it takes to settle the claim and recover all the financial benefits you are entitled to under the terms and conditions of your policy and the laws in your state. Industry data shows that insurance claim professionals get claims filed, expedited and settled in the least amount of time and with the biggest payouts to property owners.

Our team of advisors offer policy reviews and consultations free of charge for homeowners, property owners, managers, contractors, HOAs, and REITs. Ally Property Claim Advisors are here to to answer all of your policy questions, carefully review your insurance policy and help you determine which damages are covered and which are not. Depending on the length and complexity of your policy, or whether you own residential or commercial property will determine how long it takes to conduct a policy review. Typically Ally PCA can perform a free policy review immediately; we have a team of property claim experts ready to answer your questions.

After we review your insurance policy, the next step is a site inspection. Your insurance company will normally require an inspection of the damaged property to determine the validity of the insurance claim and a repair estimate if applicable. The site inspectors at Ally PCA can professionally determine the extent of your property damage and conduct an impartial and independent site inspection for residential and commercial properties immediately.

You must make certain that you present your property loss accurately when you call your insurance company. The best time to hire a property claim expert is before you file your property damage claim or at the very beginning of the claim process. A simple mistake could cost you significantly, using inaccurate wording can hinder your ability to move the claim process forward. For example, if you call your insurance company and describe a toilet overflow as a “flood” on the first floor, it is inaccurate and would cause your claim to be denied,
as your insurance policy did not cover flood damage. A property claim expert “speaks insurance”, ensures your claim is prepared correctly the first time around so that no damage has been overlooked before you file the claim.

Many homeowners, property owners, managers, HOAs, REITs and contractors wait and hire a Public Adjuster after receiving a recommended claim payout from their insurance company’s adjuster that is lower than expected on their property damage claim. At that point, hiring a Public Adjuster could add weeks to the claim handling process. When there is a real sense of urgency to repair damages to the property as quickly as possible and no guarantee of a higher settlement, they often take the initial, smaller payout just to begin repairs immediately.