The First Step

The first action item is to help your customer learn about all the coverage they have, and there are many. It was amazing to find out how many people don’t know how much coverage or what is covered under their policy, even after talking with their adjuster. Right off the bat we would have each customer email a list of questions to their adjuster. Their adjuster is not their insurance agent, it should be noted, it is the initial representative of the insurance company assigned to their case that needs to receive these questions.

It is SO important that they email this list and request a response back in writing. Note some adjusters like to respond via a phone call, the problem being when a new adjuster is assigned the case and there will be multiple adjusters, there is no track record of what was said. The adjuster must respond in writing to the questions. There are multiple buckets of money that your customer has in their policy. They need to know what is in their policy and available to them. Once you get the list of different coverage’s, you will now know how much they have to rebuild their home, how much they have to clear their lot of fire debris.