Owning property — whether residential or commercial — comes with risks, and filing an insurance claim after damage isn’t always as simple as expected. Insurance companies have strict processes, complex policies, and a tendency to protect their bottom line — not yours.

Here are the most common challenges property owners face when filing a claim — and how a public adjuster like Claim Kings can help overcome them.

1. Understanding Complex Insurance Policies

Insurance policies are full of confusing language, fine print, and exclusions. Many property owners struggle to understand their rights or coverage. Public adjusters review your policy, explain your coverage, and identify all benefits you’re entitled to.

2. Underpaid or Denied Claims

Insurance companies often undervalue damage or deny claims altogether. Without proper documentation and representation, policyholders risk leaving thousands of dollars on the table. A public adjuster fights to reopen underpaid or denied claims.

3. Insufficient Damage Documentation

Accurate documentation is critical in getting a fair settlement. Many claims get delayed or denied due to missing photos, reports, or estimates. Public adjusters provide detailed inspections, photos, reports, and proof of loss to strengthen your claim.

4. Business Interruption Challenges

For commercial property owners, business interruption claims are complex and often disputed. Calculating lost income and extra expenses requires expertise — which a public adjuster can provide.

5. Navigating Policy Exclusions

Insurance policies often exclude certain types of damage — such as flood, mold, or wear and tear. Public adjusters help interpret your policy, avoid coverage pitfalls, and fight for every covered loss.

6. Delays in Claim Processing

Insurance companies may delay processing claims with requests for additional documents or inspections. Public adjusters manage the entire process to avoid unnecessary delays and push for faster resolutions.

7. Lowball Repair Estimates

Insurance companies often use their own vendors or software to produce low estimates for repairs. Public adjusters provide independent repair estimates to ensure you receive full compensation.

8. Disputes Over Cause of Damage

Was the damage from a storm or wear and tear? Insurance companies may dispute the cause of loss to avoid paying. Public adjusters gather evidence to prove your damage was caused by a covered event.

9. Multiple Parties Involved

Claims for condos, multi-family units, or commercial properties may involve tenants, landlords, or associations. Public adjusters coordinate all parties and streamline the claims process.

10. Stress & Time Management

Handling a claim on your own is stressful and time-consuming — especially after a disaster. Public adjusters manage the paperwork, negotiations, and inspections — allowing you to focus on recovery.

Final Thoughts

Insurance claims are rarely simple — and property owners often face unnecessary challenges when filing on their own. Hiring a public adjuster like Claim Kings ensures you have a licensed expert protecting your property, fighting for your rights, and maximizing your settlement.

Contact Claim Kings today for a free claim review and let us handle the hard part.