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To Get More Money Sooner
The process is imperfect and rarely results in an equitable outcome because the parties are negotiating in a “zero-sum environment,” i.e. one party wins at the expense of the other. Winning or losing cannot be defined in absolute dollar terms but rather by how little money the insured leaves on the table, and how much money the insurance company saves.
There is no such thing as a “perfect” settlement. Just an “acceptable” settlement. Sometimes it benefits the insured. Most often it benefits the insurance company.
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To Be Informed, Get a Second Opinion and Make the Right Decisions
Most insurance loss estimates reports are vague, grouping and combining work that they propose be done to repair the damage. When you review these documents it’s very difficult to know what they cover and what they don’t.
MySmartClaims provides a clear detailed report which breaks down each and every activity that must be carried out, by room, and indemnify the homeowner. You will be able to follow exactly what work is to be done and where and have a clear understanding of their cost.
Why wouldn’t you get a second opinion?
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Get all Documentation Necessary to Get the Right Amount
In order for the insurance company to process your request for more money, they need two documents – one, your estimate of damage; and the Proof of Loss. Both these are automatically generated by MySmartClaims when you complete the process. Simply click on a button and each is generated with all of the necessary information already filled in.
The Estimate becomes your documented request for funds. The Proof of Loss is an affidavit putting the carrier on notice that you do not agree with their initial estimate.
By the way, it doesn’t matter whether you have or have not collected money on the claim. You cannot give up your right for additional funds on repairs to which you were ignorant to and which you failed to collect on.
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It’s Easy and Straightforward and You Don’t Have Long to Wait
If you can read, use a mouse and follow instructions you can benefit from using MySmartClaims.
We will provide you with step by step instructions on how to process your request for additional money. There are no tricks, hidden charges or hidden agendas. When you insurance adjuster receives your completed package, which includes the specific details as to why you are requesting a review of their estimate and additional funds they will contact you.
Typically, the insurance adjuster will review your revised estimate and advise you of what they agree with. They are bound by the Proof of Loss to carry this process out within the terms of the insurance policy (usually 30 days). At that time, you can accept their revised offer or negotiate for additional funds. But now you know, so now you are in control.
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