Q: My policy says I’m supposed to make some temporary repairs to protect my damaged property. How do I know what to repair now and what to wait till later to repair?

A: The Baldwin Company can help you with this decision, as this is one of the many services we provide for our clients. In general, our advice after a loss is that you should protect your property as you would if you had no insurance. Still, this is an area where our familiarity with how insurance companies might view your good intentions will definitely be of use to you. Call The Baldwin Company now so we can help you from the very beginning.

Q: We have a lot of building contractors and cleaning/restoration companies knocking on our door, wanting to do our work and help us file out insurance claim. Why should I hire a Public Adjuster to do this for us, instead?

A: This fairly recent development is causing confusion for many policyholders: Salesmen and building contractors are presenting themselves as being qualified to help you understand the intricacies of your insurance policy as well as purporting to have the expertise to help you get your insurance company to pay for all your repairs and clean-up. However, for the most part, these people are not licensed by any state’s insurance department to act as claims adjusters of any sort, nor do they have the training to do so. Additionally, they are treading on the fine line which, for ethical reasons, usually separates adjusters from builders. Your best bet is to contact us at The Baldwin Company: we are licensed to represent you in documenting and settling your claim, and we can help you find ethical, bonded contractors to complete your repairs when the time comes.

For a statement from The North Carolina Department of Insurance regarding the above topic, click here.

Q: Isn’t it a good idea to go ahead and get everything cleaned now by a professional restoration service instead of waiting until I have settled my claim?

A: Absolutely not! This is probably the single biggest mistake a policyholder can make. This is because, once this process is started, the cleaning bill reduces the amount of coverage you have left to replace the destroyed and other damaged items in your loss. It is just this sort of well-meaning mistake that clearly illustrates why policyholders need a professional like the Public Adjusters at The Baldwin Company on their side, to prevent such costly errors in judgment.

Q: Who decides if an item needs to be repaired or replaced? My insurance company and I are disagreeing on just about everything.

A: The terms of your insurance policy – which is a contract between you and your insurance company – require you to prove your loss. As your representatives, The Baldwin Company will document your loss to help you prove your claim and will also negotiate, on your behalf, with the insurance company’s representatives to try to get them to agree with our decisions on such issues as these. However, if no agreement can be reached between you and with the insurance company, the Appraisal Clause of your policy may be considered. Please see the Appraisal Clause section of this website, for further information on this important option.