WHERE AND WHO SHOULD AN INSURED TURN TO AFTER A FIRE LOSS OR OTHER INSURANCE DISASTER?
After a fire or other loss it is common for one’s instinct to turn to their insurance agent. Many agents believe that they simply owe an obligation to sell you insurance and nothing more. In fact direct agents owe a duty to the insurance company and not you in most situations. In other words the agent is aligned with the insurance company and not you the property owner. Insurance Agents do NOT understand all the terms of the policy. They don’t explain what replacement cost, depreciation and actual cash value mean when having a claim paid. Agents do NOT counsel and do not prepare estimates or take part in the insurance claim. They are like the car salesmen who sold you the car. Once out the door their job is done. Any repairs have to be dealt with in the repair shop. Remember who butters the agent’s bread. Who pays for all the advertising that steers the business to the agent? Insurance agents and insurance companies have long standing relationships. These relationships most often create a conflict between providing the consumer with the best possible service and earning the highest commission. Agents often resolve the conflict in favor of the insurance company and not you the insured. Attorneys and Public Adjusters like those at Harris Claims Services understand the process and how handle these conflicts. We have very extensive understanding and experience when it comes to interpreting insurance policies. We also understand how the litigation process works and prepare each file with that understanding. We of course hope it does not come down to that, but again we prepare such for the benefit of our client’s peace of mind.
Since 1989 Harris has focused on only representing property owners. The firm has worked against insurance companies for over two decades. We prepare and negotiate claims on a daily basis. Our office understands the process and what needs to be done. We don’t simply inform. We counsel our clients in controlling and handling the loss so they can focus on their business or family. We have the knowledge, the skills and the leverage necessary to establish the claim, maximize the claim and resolve coverage issues. We work night and day to assists policyholders in recovering the full benefits available to them. Consider getting the Harris Advantage if you have suffered a loss. Think of us as your insurance against insurance disputes. Harris Claims Services. 847-329-8444. Call for a no obligation consultation.