Property Claims Myths – Debunked

Property Claims Myths – Debunked


Property damage can be a stressful and overwhelming experience. And dealing with insurance claims can add to it. With all the myths surrounding property claims, it's essential to know the truth so that you don't end up with a denied claim. If you're dealing with a property claim in Orlando, FL, and need expert advice, Ultra Property Damage is here to help. In this blog post, we debunk some common property claims myths to help set the record straight and guide you through the claims process.

Myth #1: You Have to Use the Insurance Company's Preferred Contractor

It's a common misconception that you have to use the contractor suggested by the insurance company and that they're the only ones who can do the work. However, you have the right to choose your preferred contractor for your property repairs. You should research contractors in your area, get estimates, and choose the one you feel comfortable working with. Keep in mind that you're the policyholder, and you have the right to make decisions about your property.

Myth #2: You Have to Accept the First Settlement Offer

Another significant myth is that you have to accept the first offer that the insurance company provides. The first offer isn't always the final one. You can negotiate with the insurance company to get a better settlement. Make sure to document all your damage, gather estimates, and be assertive. A public adjuster can also help you negotiate with the insurance company on your behalf.

Myth #3: Your Premiums Will Go Up if You File a Claim

Some people believe that filing a property claim will automatically lead to a rate increase in their insurance premiums. While rates can go up after a claim, it depends on the type and frequency of claims filed. If the damage is beyond your control, such as natural disasters, your rates shouldn't be affected.

Myth #4: You Can't File a Claim if the Damage is Old

There's also a misconception that you can't file a claim if the damage is old. However, you can file a claim regardless of how long ago the damage occurred. It's best to file the claim as soon as possible, so it doesn't get worse and becomes more difficult to adjust.

Myth #5: You Don't Need a Public Adjuster

Some people try to handle their property claims on their own. However, hiring a public adjuster can help you get a better settlement. Public adjusters are licensed professionals who can help with your claim negotiations and ensure you get fair compensation for your losses.


Property Claims Myths can be daunting, but it's essential to know the truth so you can make informed decisions about your policy. Debunking these myths can help you navigate through the property claims process and get the compensation you deserve. For assistance with your property claims in Orlando, FL, contact Ultra Property Damage, where our experts can guide you through the process and assist you in getting a fair settlement.

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