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5 Insider Tips you must know before choosing a Chicago Insurance Damage Adjuster
The Chicago Insurance Damage Adjuster and State Licensing and Bonding
This first one may seem basic, but it is critical. The Chicago Insurance Damage Adjuster you select must have a valid state license and be bonded. Do NOT just take their word for it! You can verify this on the Illinois Department of Insurance website. You only want to deal with a qualified local public adjuster who can prove they are properly licensed and bonded.
Evaluating a Policy Based on Coverage and Endorsements
Your Chicago Insurance Damage Adjuster has to know the policy language inside and out, meaning they have to know how to read it and understand it. They have to be able to evaluate the policy based on coverage/endorsements, etc. Considering insurance policies are contracts and exclude more and more these days, you almost need a lawyer to make sense of the fine print in your insurance policy. That is where your qualified Chicago Insurance Damage Adjuster comes in to represent you and to protect your interests.
Insurance Law, the Claim Process and your Chicago Insurance Damage Adjuster
In addition to knowing the policy language, your Insurance Damage Adjuster must know insurance law. They must understand insurance law and be well versed in it; in addition, they must understand how it reads and be very clear on it. Not only that, but since insurance law changes every year, they must continually be diligent on keeping up with all changes, because they can directly affect your policy every year.
Construction Background, Does your Chicago Insurance Damage Adjuster have one?
Having a construction background is a must. Your Insurance Damage Adjuster must know building construction including framing, and structural elements very well. They must be knowledgeable about all exterior components including siding, brick, roofing and gutters, windows, doors and insulation. They must be knowledgeable about the proper amount of ventilation per code for your home to ensure your house is ventilatedproperly. Regarding the interior systems, make sure they have a good background in plumbing, electrical and HVAC (Heating Ventilation and Air Conditioning).
Illinois Insurance Department Approved Documentation Paperwork
This little known tip has to do with submitting documentation and paperwork to the Illinois Department of Insurance. Does the Chicago Insurance Damage Adjuster you are considering have Illinois Department of Insurance approved documentation/paperwork certification? This is very important because it proves the Insurance Damage Adjuster submits the proper and properly filled out documentation and paperwork. The last thing you would want is to have your claim held up due to sloppy paperwork and documentation submittals. After all, you have been through enough already and that is the last thing you want to have happen. All you have to do is see some proof to be assured.