By SPJ Adjusting Services | Insurance Appraisals
Claims for property damages in El Paso, Texas, rarely ever go as smoothly as they should. Whether it is roof damages due to strong winds or hail storms, fire-related smoke damages or flash flooding in the region, claimants tend to be in for a surprise when they learn that filing a claim is only the starting point of a struggle. This is because insurance policies promise much more than what they actually deliver in practice.
At SPJ Adjusting, we hear often about the question that Texas homeowner or business owners pose: Do I need an insurance attorney to handle my property damage claim, or is there another alternative?
“When Claims Begin to Go Sideways”
No property owner raises a claim expecting a dispute. But banner indicators emerge from the start, which include:
Long periods without understandable reason
Continued inspections without settlement movement
Repair quotes that are significantly lower than what the contractors are charging
Roof damage claims, code improvements, and disputes
In El Paso, for example, where roofs are often old and prone to the elements from the wind, the insurance companies often claim that the damage is probably “wear and tear,” and not from the storm.
“Attorney” vs. “Public Adjuster”: Understanding the Difference
The insurance attorney generally gets engaged once a claim turns into a legal dispute, which could include bad faith claims or lawsuits. Nonetheless, most claims never advance to this area of concern.
A public adjuster company, such as SPJ Adjusting, involves the process even earlier before litigation with:
Examining policy wording
Recording covered damage
Doing Estimates Correctly
Negotiating with the insurance company directly
It should be our goal to resolve claims efficiently and justly, often preventing the necessity of costly lawsuits from ever being filed.
When An Attorney May Be Necessary
In most situations involving foster
However, there are occasions where hiring an insurance lawyer is warranted, and these include:
Denial in absence of facts
Continued underpayment despite various disputes
Misrepresentation of policy coverage
Proof of Bad Faith in Dealing
In such situations, the role of SPJ Adjusting could prove to be invaluable for support in insurance appraisal and/or for support in technical documentation and analysis of claims for the concerned attorneys.
Claims for property damages in El Paso, Texas, rarely ever go as smoothly as they should. Whether it is roof damages or property damage due to strong winds or hail storms, fire-related smoke damages or flash flooding in the region, claimants tend to be in for a surprise when they learn that filing a claim is only the starting point of a struggle. This is because insurance policies promise much more than what they actually deliver in practice.
Claims of Complexity in El Paso
In El Paso claims, overlaps in losses may include:
Roof damage, accompanied by either hail or wind
Fire Suppression Water Damage
Business interruption losses
High deductibles related to named storms
They may even unknowingly forego their rights under the coverage when they are attempting to handle these matters on their own.
SPJ Adjusting ’ s Knowledge of
SPJ Adjusting offers public adjusting services, insurance appraisal, and umpire work in Texas and across the United States. We recognize how insurance companies assess risks in West Texas and how you can contest improper claim processing on evidence not on guesswork. Before you assume you need a lawyer, you may want to contact a professional, or “public” adjuster, who has an understanding of insurance policy language and claim processes.
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