The Claim Game A Homeowner S Guide To Avoiding An Insurance Catastrophe

In these troubled economic times a home is a precious commodity. Protecting that investment has never been more important for homeowners and property owners. When Mother Nature or good old fashion bad luck cause damage to a property, homeowners turn to their insurers to help them restore their property. Insurers, meanwhile, are as equally interested in enhancing their bottom lines as homeowners are in protecting their investment. When these interests collide, the claim game begins and the fight to protect your home and get what is owed you becomes a high stakes game of chance. Without the right guidance, without knowing the Rules of the Game--rules written by and for the insurers--you could find yourself on the losing end. The Claim Game levels the playing field between homeowners and insurers by giving homeowners the knowledge and tools needed to empower themselves so that they can get every penny owed them and claim victory. Discover the secrets to homeowner insurance settlement with the only step-by-step guide to property insurance claims written by an insurance insider. Exposing little-known methods that enable you to expedite your claim and get every penny owed you, The Claim Game is your comprehensive resource for homeowners insurance and property damage claims. The Claim Game will teach you how to: - Settle claims quickly and fairly. - Reduce or eliminate your deductible. - Decipher a policy so it makes sense. - Discover hidden coverages that protect you and save money. - Organize claim information to expedite your claim. - Get a denied claim covered. - Understand an estimate from a contractor or an insurer. - Select the right contractor to repair your home or property. Also included: - Claim-specific guidance for many types of losses including hurricane, tornado, earthquake, hail, fire and many others. - An in-depth exploration of the most common issues and concerns homeowners encounter. Don't let what you DON'T know cost you!

Is filing an insurance claim driving you crazy? This book can help. Insurance companies are supposed tobe here to help us, and in many cases, they do. Each year, insurance companies in the UK pay out over 32 billion to families who have faced burglary, fire damage, flooding, terrorism, and other tragedies. However, because they don't understand how to file properly, thousands of these households don't receive the value they deserve from their insurance company. You can't blame them: despite how important this knowledge is, we're never taught the right way to work with insurance companies. In "Win the Claim Game," insurance professional Joel Zimelstern breaks down everything you need to know to work with an insurance company. After reading this book, you'll understand how to quantify your true losses, which paperwork to file when, all the characters you'll deal with, and dozens of little tips and tricks to ensure that you get the pay out you deserve."

This book is intended to help homeowners who are going through the process of filing an insurance claim. You will learn how to dispute a denial of coverage from your insurer as well as how to get an insurer to pay your claim. This guide was written by an adjuster who knows all of the insurance company's tricks and who wants to help policyholders get what's owed to them.

The first complete, non-technical guide to insurance claims, written for homeowners, by an experienced, unbiased claims adjuster. Policyholders no longer have to rely on their insurance company for vital information about their policy or the claims process; it is all explained here, in plain language that anyone can understand. The claims process is described in detail from beginning to end, with emphasis on settling the claim quickly & fairly, & avoiding disputes. The homeowners policy is explained at length, & a complete standard policy is included in the appendix. A 200-word dictionary explains all the common insurance terms used in a claim. Several commonly-used blank forms are included, to aid the homeowner in completing their own claim calculations. A chapter on Building Contractors explains how to find, hire, & use a contractor, & to avoid the many problems that can arise (such as liens on your house!). Government aid programs are explained, including tax breaks for homeowners from the IRS. Order from Claim Publishing, 1219 Columbus Avenue, #109, Glendale, CA 91202 (818) 241-4314.

An expose of insurance injustice and a plan for consumers and lawmakers to fight it Over the last two decades, insurance has become less of a safety net and more of a spider's web: sticky and complicated, designed to ensnare as much as to aid. Insurance companies now often try to delay payment of justified claims, deny payment altogether, and defend these actions by forcing claimants to enter litigation. Jay M. Feinman, a legal scholar and insurance expert, explains how these trends developed, how the government ought to fix the system, and what the rest of us can do to protect ourselves. He shows that the denial of valid claims is not occasional or accidental or the fault of a few bad employees. It's the result of an increasing and systematic focus on maximizing profits by major companies such as Allstate and State Farm. Citing dozens of stories of victims who were unfairly denied payment, Feinman explains how people can be more cautious when shopping for policies and what to do when pursuing a disputed claim. He also lays out a plan for the legal reforms needed to prevent future abuses. This exposé will help drive the discussion of this increasingly hot- button issue.

Accompanying CD-ROM contains additional supporting materials, sample electronic slide presentations, and other resources.