Select Adjusters: Top 5 Homeowner Mistakes When Filing Insurance Claims

Select Adjusters, a firm representing policyholders in insurance claims, has outlined the five primary mistakes homeowners make when seeking compensation for property damage. The company states that failing to adhere to these recommendations can result in lower settlements.

A key error highlighted is the failure to immediately document damages. Select Adjusters emphasizes the importance of taking photos and videos of all damage as soon as it is safe, to accurately represent the scope and timing to insurers. Another common pitfall is accepting the insurance company's first offer, which is often significantly lower than the claim's actual value. The firm notes that homeowners using a public adjuster typically receive four times more than those who accept initial offers.

Other mistakes identified include not fully understanding the insurance policy's terms and conditions, making permanent repairs before the insurer's inspection, and attempting to navigate the claims process without professional assistance. Select Adjusters advises policyholders to thoroughly review their coverage to avoid unexpected costs. Delaying permanent repairs allows the insurance company to properly assess the damage.

The company stresses the benefit of hiring a licensed public adjuster. They argue the claims process is inherently complex and favors insurance companies. A public adjuster works solely for the policyholder, managing documentation and negotiations. Their fee structure is typically contingency-based, meaning they are only paid if a settlement is reached.

Select Adjusters offers its services to homeowners in Arizona and Nevada, aiming to help them secure fair compensation for their losses.