4 Myths in Claiming Insurance - Claims Delegates

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What I noticed is that some potential clients have decided that they know best, and that they are smarter than everyone else who have experienced an insurance loss. This very same theme is why Home Depot is a multi-billion dollar company and TurboTax is a household name: there are a lot of things that you can truly do yourself and potentially save money.

But there is a difference between using a CPA vs taxes-in-a-box. This phenomenon is not new. There have always been

those who look for a cheaper way to do things, or shortcuts to their goals. Here are 4 myths people are most guilty when in

comes to claiming their insurance.

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Myth 1. I can handle my own insurance claim, I think it is easy

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We have electricians, plumbers, CPAs and doctors because their trades are sufficiently complicated to be regulated and licensed by cities, states and the Fed. Yes, there are simple things that we can all do for ourselves. Beyond the simple things, we are all better off leaving it to the real professionals.

The Truth: If it were easy (and safe) enough for laymen to do,

there wouldn’t be specialty trades. Workplace Safety

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Myth 2: I can always ask advice without cost. I know some close

lawyers friends

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The Truth 2:Advice given freely doesn’t equal a

specifically tailored solution.

When someone asks me a “general” question about insurance claims or Xactimate estimates, I give an equally general answer. My advice does not speak to the person’s individual situation, policy language or claim circumstances. And, as I’ve learned from my dad’s experience, if someone does ask me to speak about their specific circumstance, I (usually) ask them to sign a service contract. Which leads to…

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Myth 3. I thinks I can live with my friend’s advise

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TRUTH 3. Action taken on free advice, which ends poorly, provides the recipient

with ZERO recourse on the one who gave the advice.

OathLiability policies, Errors & Ommissions policies, malpractice and contractor bonds are all things that exist to protect clients from mistakes that people make. That is why some trades like lawyers have strict policies against providing ANY consultation or specific advice without compensation or retainer.

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Myth 4. I’ll cross the bridge when I get there, I think I know how to claim my insurance even

without experience yet.

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This brings me to the heart of the matter. If you believe that you are smarter than me, why are you asking me for advice and information? If you believe that you can do my job

better than me, if only you can get a couple “pointers”, then why are you doing something else for a living?

The Truth 4: The world is full of smarter, more

experienced people

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What really gets me is those people who think they can outsmart industries and companies that have

been around for HUNDREDS of years.

Do you really think that the IRS hasn’t already figured out the “trick” you’re about to try? What

makes you think that your insurance company doesn’t know that people are constantly looking for

a way to take advantage of their property claim?

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The reality is that most trades have more potential pitfalls than jackpots. Professionals make their livings by

knowing the rules and playing by them day after day. Getting rich quick just doesn’t happen (very often). St

Paddy's Day

For every story about finding the tax loophole or insurance claim trick that landed someone thousands of dollars, there are hundreds of people that found out the

hard way that messing around with trillion-dollar industries is a bad idea.

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I make my living the hard way: going to work every day and fighting for my clients. The fact that there are so few

companies like mine out there is a testament to how difficult my industry is. Truth is, the insurance claims industry is downright hostile to new players with new ideas about how things can be done. Dima and Toma

I continue to do my work because I believe that I DO have a better way, and I want to change my industry. Yet my approach is measured, in a “better mousetrap” kind of

way, NOT in a “card up my sleeve” way.

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So, to all of you out there who fight the good fight every day in their chosen profession, who put the best of

themselves into everything they do because it’s the right thing to do, I say, “Carry on men (and women)!”

We are the light (or something like that). For those of you with a problem that needs solving, find a quality

professional to help you out. Ask people you trust for referrals, and take the advice of friends. And to everyone

looking for a shortcut via free advice, be warned. You WILL get what you pay for.

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When you are ready to stake your claim, just call: 888.745.7568Claims Delegates is your resource, advocate, and knowledge center

on the front line of the insurance claims process. We support contractors, homeowners, and property managers, giving our clients

insider knowledge, management, and estimating services so they can make the most out of the claims and restoration process.

When it’s time to talk to your insurer, talk to a Claim Delegate first.Claims Delegates is ready to serve and support you through the

process, whether you’re looking to expand your restoration business or recover from a catastrophy. CONTACT US, We make insurance

WORK.

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