If you have an insurance claim, you have choices. Depending on the size of your claim you may choose to deal with the insurance company on your own or retain Rubin, Palache & Associates to assist you. There are many elements to evaluate before you decide on what approach to take. Although RPA makes its services available to anyone with a property claim, not all claims meet the criteria that will benefit a policyholder. Before you can make a reasonable decision, you need to know what is involved in processing a property insurance claim.
When you have a property claim it can create many situations that most families would never encounter in a lifetime. Depending on the magnitude of your claim, you may need to find temporary housing for you and your family. Settling an insurance claim will require meetings with adjusters and contractors, and hours of preparing inventories documenting your lost or damaged items. After you prepare your inventory, you must establish the cost to replace your lost items. These meetings and inventory documentation take hours away from work and your family. This is time better spent in dealing with the trauma associated with an insurance claim and putting your life back to normal.
There are also intangibles that a homeowner would not know how to deal with such as; depreciation, replacement of a damaged item versus repairing it, separating repairable items from the total loss items, preparing and submitting additional living expenses. There are situations where a damaged item is marginal and should be replaced and not cleaned. In these cases, the insurance company is entitled to attempt to clean a damaged item and may require this procedure prior to replacing the item. However, after the item is cleaned and it is not acceptable there may not be enough coverage to replace this item. RPA knows how to protect you in these situation even exceeding policy limits if necessary.
Before you make the decision to proceed with your claim check out your options. If you choose to process your claim yourself, we can provide you with the Do It Yourself forms necessary to prepare and submit your claim to your carrier.
Before you decide have RPA evaluate your claim. Contact us via our E-Mail address or call us at 818-728-0900
If you choose RPA to settle your claim you can rest assured that we will provide you with the most experienced licensed Public Insurance Adjusters to protect your interest throughout the claim and the finest professional customer service team in the industry to keep you informed during the process.