Once you have made the decision to file an insurance claim the next step will be to get the damages inspected. This will be done in the presence of your public adjuster who will make sure the insurance carrier documents the full extent of the damage.
Once the inspection has been completed your public adjuster will submit a estimate encompassing the full extent of the damage and negotiate with your insurance carrier on your behalf for a full and fair settlement. If it is a late reported claim your insurance carrier may want to do something called a recorded statement. This is mainly routine and isn’t something to be overly concerned about.
Your insurance carrier has 90 days from the day of filing an insurance claim to make a coverage determination so you should have a answer within 3 month as to where the claim is heading.
