Be Prepare Before Property Damage Strikes

There are many steps to the property damage insurance claim process, and it is important to have an experienced and knowledgeable public adjuster from PICC to guide you through the claims process and protect your interests along the way. 

1. Prior to a loss

Prior to a loss | PICC

To expedite the property damage claim process, preparations should begin before any potential damage occurs. Take the time to review your insurance policy and understand what it covers and what it does not.  Keep the policy in a safe place and keep a second copy outside of the property at another location. Shoot a video or take photographs of both the interior and exterior of the property to document its condition and to catalog personal belongings.

3. Call PICC to help

Call PICC to help | PICC

At this point you should call People’s Insurance Claim Center to hire an expert public adjuster to handle the property damage claim process.  Your public adjuster will inspect your property, estimate repair costs, file your claim to the insurance company and act on your behalf during every phase of the damage claim process.

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2. Should a loss occur

Should a loss occur | PICC

Once property damage has occurred it is time for damage control so you can limit your losses. This is the time to attempt to stop further damage and salvage anything possible. Depending on the damage experienced, this could include using tarps to stop roof leaks, boarding up broken windows to prevent the elements from entering, calling a plumber to fix a pipe from continuing to leak and calling a remediation company to remove accumulated water and moisture. Every attempt should be made to suppress any further damage as an insurance company may deny part of a claim if it determines the additional damage was avoidable.

4. Inspecting the loss

Inspecting the loss | PICC

Soon after property damage is reported to the insurance company, they will send an adjuster to inspect the property to meet with one of our professionals. Their adjuster will survey the damage with an eye toward protecting the insurance company’s financial interests by minimizing your claim. You want to have a public adjuster to advocate for you during this process. Your public adjuster will work hard to find all of the damage your property has suffered, including any hidden damage, and make sure that you are fairly compensated for it.

5. Final Step: Payment


Final Step: Payment | PICCWhen your insurance company issues you your payment it is important not to sign any release or other type of agreement that would prevent you from filing for a supplemental payment or re-opening the claim. This is not necessarily your final payment and if you have not hired a public adjuster by this point now is the time to call PICC. A public adjuster can still inspect your property on your behalf and re-file for additional compensation if further damage related to the initial loss is found. A recent study by the State of Florida found that when you use a public adjuster, you are likely to receive a payout 166% greater than if you do not use a public adjuster. 

If you are sent a denial letter for your property damage claim, PICC will work to get the denial reversed for a second look. Be sure to also keep all correspondence from your insurance regarding the denial as they will be helpful to your public adjuster in securing your claim