If you are in the Atlanta area and having a problem with your home or commercial property insurance claim, Noble Public Adjusting Group wants you to call us at (850) 249-MY-PA. Noble is the #1 insurance appraiser in the US. We would like to think you discovered this blog post because we have done good work ranking above all of the Atlanta lawyers. That is pretty much all you find when you search using the words ‘problem with property insurance claim Atlanta.’
What you need to know is that you don’t need an attorney if you are having problems with a property insurance claim, you need an insurance appraiser. Hiring a lawyer to help with an insurance claim should always be your very last resort. It is the least desired decision, for you will end up paying the attorney’s upfront retainer and your court case could be drawn out for years, holding up any settlement you might receive, and that is if you win in court.
Problem With Atlanta Property Insurance Claim? You Need an Appraiser
By using an insurance appraiser to handle the problem with your Atlanta property insurance claim, you are saving yourself time, money, and headaches. With that said, maybe you are unfamiliar with what exactly an insurance appraiser does. Let us explain.
Many times home and commercial property owners find themselves in disagreement with the insurance company on the extent of damages or the amount of money it will cost to repair the damages they’ve experienced during a loss. When the insurance company refuses to bend, you have the option to demand appraisal. The Appraisal Clause, also known as The Appraisal Provision, allows you to have two third parties separate from the insurance company voice their opinion on your damages, and amount to be paid. It’s been described sort of like court arbitration, but without courtrooms, lawyers, or judges.
Most policies have an “Appraisal Clause”. You can usually find it in your policy under the “Conditions” or “What to do after a loss” segment. If you have trouble finding it, call one of our Noble Public Adjusting Group’s specialist, who can assist you. An Appraisal Clause will usually read something like this:
If you and we fail to agree on the amount of loss, either one can demand that the amount of the loss be set by appraisal. If either makes a written demand for appraisal, each shall select a competent, independent appraiser. Each shall notify the other of the appraiser’s identity within 20 days of receipt of the written demand. The two appraisers shall then select a competent, impartial umpire. If the two appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premises is located to select an umpire. The appraisers shall then set the amount of the loss. If the appraisers fail to agree within a reasonable time, they shall submit their differences to the umpire. A written agreement signed by any two of these three shall set the amount of the loss.
Coming to an agreement with the insurance company will save you some time if they are willing to be fair, and you are satisfied with the results of your own negotiating skills. If this doesn’t happen, and you feel defeated, don’t lose hope. Noble Public Adjusting Group offers a free insurance policy review to find out if an appraisal is an option. Don’t be afraid to invoke appraisal; it is your right. Your Noble hired appraiser will explain the appraisal process to you, and keep you informed of any and all changes.
Cost of Appraisal
Your insurance company is responsible for paying the appraiser that you choose. Noble Public Adjusting Group charges $500 per hour, not to exceed 3% of the RCV total or 10% of the total increase, whichever is more. This will include negotiation time (in person, over the phone, and by email), travel time, and time spent at your Atlanta property and time spent on paperwork. It is your responsibility as the policyholder to pay your appraiser, but the increase in funding to repair your damages counterbalances the expense; it comes out of money that you would never have had. Payment is not due until the appraisal is settled and all hours are tallied.
To learn more about Noble’s appraisal service in the Atlanta area and the appraisal process in general, visit this page of our website. That link also provides an RTA, (Right to Appraisal) form and a place to invoke an appraisal. There is also a section of that page to check the status of your current appraisal at any time.
You don’t have to take your insurance company’s word for how much your Atlanta home or commercial property damages are worth. If you feel that you need more money to get back to pre-loss condition, it’s best to use a public adjuster or to invoke your right to appraisal. Begin by finding your policy, and giving us a call. We have professional and experienced public adjusters and appraisers on staff ready to take on your claim!
Noble Public Adjusting Group