FIND OUT IF YOU HAVE A CLAIM BEFORE YOU FILE ONE
The time to find out if property damage will be covered by insurance is BEFORE a claim is filed, not after. Consumers are contacting the 1 800 # too soon and hurting themselves and their C.L.U.E. Report.
Here is an example of what your C.L.U.E. Report looks like when you file a claim.
If you make an inquiry to the 1 8000 # aside from actually filing a claim you are still labeling yourself as a risk. You just called your insurance and told them "I may cost you money". Though we pay premiums and expect our insurance company to be there in our time of need we need to think before we act. Is it worth it to file a claim?
This is where your insurance agent comes into play. Your insurance agent is there to do some of the strategic thinking for you. Because they know your coverage, deductible and claim history is it best to turn to the person who made sure you were protected before you turn to a stranger on the other end of the 1 800 #. Your agent has your best interest at heart because they want to keep you as a customer. They do not want to see your rates raised or even worse see that your policy is not up for renewal. If you have property damage contact your insurance agent before contacting the insurance company directly. Your agent is there to guide you and show you what is in your best interest.
Keep in mind that when an insurance adjuster is sent out to inspect your home they are often looking for more than when they were called out for. Your adjuster may find the following when inspecting:
- Maintenance - damage is the result of wear and tear.
- Damage that is less than the your deductible.
- Insurance scam - damage is self inflicted to scam the insurance company.
- Additional damage(s) - inspection may be to look into the siding but the adjuster finds that the roof is in need of repair and is now an issue before renewal.
- Additional things that the underwriter should be notified about: Examples trampoline, dog(s)
Rainbow International can help you avoid unpaid claims by inspecting your property damage...for FREE!
- Call Rainbow's 24/7 emergency service line at (708) 460-0911.
- Provide your information (name, number, address & damage) and how you came upon our company.
- A Rainbow representative will
set up an appointment to inspect your property damage that resulted in fire & smoke, water or mold damage. If we do not provide a service that is needed (water proofing) we would be happy to provide referrals for professionals that can address this damage for you. - During our inspection we will help determine what caused the damage, the cost to repair it and if we feel it would be covered by insurance. Your coverage ultimately determines if property damage claims are covered so knowing what your policy consists of is important.
- Verbal quotes are provided to restore your property damage to pre-loss condition.
Please note that Rainbow International DOES NOT operate as a public adjusting company. You can view more information about our company at http://rainbowintl.com/orland-park or at https://www.facebook.com/Rainbow-International-of-South-West-Suburbs-211496272371049/timeline/.
Why should you be taking advantage of this valuable service?
- Let's find out if you have a claim before one is filed. This will help you avoid a black mark on your C.L.U.E. Report.
- Rainbow's inspection service can help you avoid an unnecessary rate increase. The more claims you file the more likely you are to see an increase in your insurance premiums.
- Rainbow's inspection service can help you avoid being dropped by your insurance. Ever company has a max amount of claims that you are allowed to file. You can't expect to file a claim for every little thing that happens to your property and expect a company to want to retain you as a customer, you are a risk. If you allow Rainbow to inspect your property before you file a claim we determine if it is worth filing claim. If we find that it is not then you do not need to be on the hunt for a new insurance carrier.
- It is not always in your best interest to file a claim. Example: Our inspection finds that you indeed have water damage but it only amounts to $1,100. Your deductible is $1,000. You can can indeed file a claim but since you have a prior unpaid claim on your C.L.U.E. Report you may just want to pay the extra $100 to avoid an additional claim and avoid a rate increase or being dropped.
- We find that 3 out of the 5 inspections we perform result in finding damage(s) that are not covered by insurance. This means we help a majority of customers avoid filing unnecessary claims.
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