Most people brought up to respect authority and rules to follow. For example, the bank official, said that if the rate on six months CD is 3%, we accept that. Similarly, if the teacher tells you that the child needs to work on how to write, you help the child to clean his writings. If the Security Ministry said that the claim is worth $ 5000, you smile and a look at the bank regulation.
But wait! That the solution will probably not be enoughcover your loss! Many of your things are not represented, and hidden damage can not yet discovered.
First, realize that your insurance company wants:
• Settle your claim as soon as possible
• minimize losses
Although it is perfect for rapid development, has the speed, not suitable for completeness. If hinges ministry of security through your home is damaged, it is less likely to see all losses covered. As the Ministry is representedthe insurer who work for him – not you. His loyalty lies with the employer wishing to save money for a profit.
You can respect authority but you do not have to settle for less than they are entitled. Actually you can not even respect your security operations and to ensure a fair offer solution.
It is about doing the work of your hands. You can not just say 'I want more money. " Instead, you must demonstrate why you need more money, and this requirementinformation to the Ministry. Can be alone or with the help of other professionals, entrepreneurs and public safety of fit can be done.
When the evidence of damage by themselves, you need a good digital camera with lots of storage, a notebook, a dedicated folder for receipts and estimates, and a complete view of your wounds. Start taking pictures of everything related to your loss. Taking notes documenting all the conversations you had with insurers, treksdiagrams, and keep everything. Hang on all receipts, even for emergency repairs, temporary living expenses, and anything else related to your loss.
Get your own estimate for repairs and replacements, so real world testing to compare with estimates of the Ministry of Security has done. For example, if the insurance operations, said it would cost $ 70 a flooded bathroom floor, repair, and you have the wealth in the hands of a reliable contractorsaid that the repair would cost $ 500, you'll be in a good position to ensure that these solutions have been fully paid.
In this scenario, the ministry has said everything that needed a blanket, while the contractor's discretion to deny the will that point to further damage that requires repair, such as chalk and replacing wallpaper, new floors, and electrical repairs. If possible, ask the contractor to be present at the Ministry of Security.
Doboredom and you can have the last word.