What you don't know CAN hurt you....

That is ESPECIALLY true in the home insurance industry. What many people fail to realize is the massive conflict of interest that is going on in most companies.

 

On the one hand insurance companies take on investors. These investors are promised profits from future gains. This promise is real and there is even a legal term for this, “Fiduciary responsibility.”

 

Yet,  at the same time, insurance companies take on clients promising to make them whole in the event of an accident or catastrophe. How can investors show a profit, while clients are legitimately made whole?

 

Under normal circumstances this would seem quite a daunting task. But, leave it to the insurance companies to figure it all out. Their genius solution is in the fact that they write there own policies. And in writing their policies they specifically require that you (policy holder) prove your damages.

 

And make no mistake about it, there is a very specific way in which you  must articulate the damage in order to get paid. Measurements, material cost, labor cost, hours involved in repairs or replacements, that and more has to be prepared in a report form and presented to the insurance company in order to get paid properly.

 

This is why you need a home insurance advocate. All the home insurance advocates listed on this site are licensed and bonded public adjusters in their respective states. Each has many years of experience dealing with home insurance claims. Most of all, our public adjusters are passionate about helping home owners recover the highest possible settlements.