See part 1 at https://rumble.com/vdzmzx-a-video-explaining-how-to-deal-with-catastrophes-like-the-polar-vortex-part.html and at https://youtu.be/gyF99pbVB-w
See part 2 at https://rumble.com/vdzoct-a-video-explaining-how-to-deal-with-catastrophes-like-the -polar-vortex-part.html and https://youtu.be/c3SOcm5JImg  See part 3 at https://rumble.com/vdzpuf-a-video-explaining-how-to-deal-with-catastrophes -like-the-polar-vortex-part.html and at https://youtu.be/gb4SDBP9hPI  See part 4 at https://rumble.com/vdzqy5-a-video-explaining-how-to- deal-with-disasters-like-the-polar-vortex-part.html and at https://youtu.be/Jgl9ltCdoGU  Check out the article that this series of videos was based on https: //www.cpajournal .com / 2017/09/26 / claims-in-a-catastrophe /
I  f your house was damaged or destroyed by the actions of the polar vortex, a wildfire, unintentional fire, windstorm, flood, hurricane or earthquake, as a result If the state declared disasters and you had a fire, homeowner, flood insurance, tenant homeowner or condominium policy, you will have to deal with an insurance adjuster to get compensation for your losses. You should realize that it is quite easy to deal with an insurance adjuster in a disaster. The adjuster and insurer are under pressure from local, state and federal governments to quickly resolve the many claims arising from the disaster.
Insurers dealing with a disaster will usually be in a very generous mood. They will seek good publicity by caring for the victims of the disaster quickly and fairly. In order to make the damage process easy, the insured must understand that both the insured and the adjuster have information when damage caused by fire, windstorm, flood or other insured hazards is discovered. , the insured. You and the adjuster should meet in person. If the requirement is to be resolved quickly and fairly, both you and the adjuster should work to establish a personal relationship and solve, if there is coverage, the problems caused by the damage to the home or business structure.
You are entitled to have the damaged property replaced with "similar kind and quality." This means that you should insist that the amount determined to be the amount of the loss is sufficient to replace the property with property of the same type and quality to the damaged property. When you cannot match the remaining undamaged tiles, wallpaper, carpets or other parts of undamaged property, you usually have the right to have the entire "field of view" match. For example, if a broken water pipe destroys the wooden floor in a kitchen and does not damage the adjacent wooden floor in the adjacent family room, the insurer is obliged to replace both the damaged and undamaged floors so that they match as long as they are in a continuous field of view.
© 2021 – Barry Zalma
Barry Zalma, Esq., CFE, now limits his practice to working as an insurance consultant specializing in insurance coverage, insurance management, insurance sentiment and insurance fraud almost equally for policyholders and policyholders. He also acts as an arbitrator or mediator for insurance-related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims lawyer and more than 52 years in the insurance industry. He is available at http://www.zalma.com and firstname.lastname@example.org.
Mr. Zalma is the first recipient of the first annual Claims Magazine / ACE Legend Award.
For the past 53 years, Barry Zalma has devoted his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to enable insurers and their claims staff to become insurers.
Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma; Follow Zalma on Twitter at https://twitter.com/bzalma ; Go to Barry Zalma videos on Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ Read posts from Barry Zalma at https://parler.com/profile/Zalma/ posts; and Read the last two issues of ZIFL here.