{"id":960,"date":"2020-11-12T00:02:03","date_gmt":"2020-11-12T00:02:03","guid":{"rendered":"https:\/\/www.claimally.com\/?p=960"},"modified":"2020-11-12T00:02:07","modified_gmt":"2020-11-12T00:02:07","slug":"do-public-adjusters-handle-auto-claims","status":"publish","type":"post","link":"https:\/\/www.claimally.com\/es\/do-public-adjusters-handle-auto-claims\/","title":{"rendered":"\u00bfLos ajustadores p\u00fablicos manejan reclamos de autom\u00f3viles?"},"content":{"rendered":"

Si eres como la mayor\u00eda de las personas, probablemente no hayas memorizado los detalles de tu p\u00f3liza de seguro de hogar. Pero estos detalles son importantes en caso de que su propiedad sufra da\u00f1os importantes como resultado de un incendio, una inundaci\u00f3n u otro desastre.<\/p>\n\n\n\n

Probablemente no necesite contratar a un ajustador p\u00fablico si su hogar sufre un peque\u00f1o percance, como da\u00f1os menores por humo de un incendio en la estufa. Pero es posible que desee considerar contratar a un ajustador de seguros p\u00fablico si su hogar experimenta da\u00f1os m\u00e1s graves, como da\u00f1os por inundaci\u00f3n debido a la explosi\u00f3n de una tuber\u00eda. Un ajustador de seguros p\u00fablico puede organizar una inspecci\u00f3n de los da\u00f1os, estimar su costo y ayudarlo a presentar un reclamo complejo. \u00c9l o ella har\u00e1 un seguimiento de las innumerables llamadas telef\u00f3nicas con su aseguradora y asistir\u00e1 a las reuniones. \u00c9l o ella tambi\u00e9n pueden ayudarlo a encontrar nuevos arreglos de vivienda si su hogar es inhabitable.<\/p>\n\n\n\n

De acuerdo con la Asociaci\u00f3n Nacional de Ajustadores de Seguros P\u00fablicos (NAPIA), la mayor\u00eda de los estados requieren que los ajustadores p\u00fablicos sean evaluados y autorizados. Adem\u00e1s, los ajustadores p\u00fablicos deben seguir las pautas estatales que describen sus deberes laborales y el proceso de reclamos. Los Tasadores P\u00fablicos no pueden manejar reclamos por lesiones corporales, reclamos de seguros de autom\u00f3viles o reclamos de terceros (como un fideicomiso o un patrimonio).<\/p>\n\n\n\n

Los ajustadores de seguros p\u00fablicos son los \u00fanicos profesionales de p\u00e9rdida de propiedad que trabajan en nombre de los asegurados. Las personas y las empresas contratan ajustadores de seguros p\u00fablicos cuando necesitan asistencia inicialmente para presentar un reclamo o sienten que el monto del reclamo ofrecido por una compa\u00f1\u00eda de seguros es incorrecto. Por lo general, tienen experiencia previa en construcci\u00f3n (y otros campos relacionados) y utilizan software sofisticado para someterse a una evaluaci\u00f3n independiente de la p\u00e9rdida de propiedad de un cliente. Los ajustadores p\u00fablicos no solo est\u00e1n mejor equipados que el asegurado promedio para estimar los costos incurridos por una p\u00e9rdida de propiedad, sino que saben exactamente c\u00f3mo registrar y presentar reclamos iniciales y complementarios y hacerlo en nombre del asegurado.<\/p>\n\n\n\n

El proceso de evaluar, completar y presentar un reclamo para un titular de p\u00f3liza es notablemente exhaustivo. En la siguiente tabla se encuentran las descripciones de los art\u00edculos, las cantidades y los costos extra\u00eddos de un ejemplo de un formulario de reclamo de seguro de propiedad. Es poco probable que un asegurado pueda completar un formulario con precisi\u00f3n y con un nivel de detalle similar, especialmente porque cada propiedad y reclamo son diferentes.<\/p>\n\n\n\n

Descripci\u00f3n del Art\u00edculo<\/strong><\/td>Cantidad<\/strong><\/td>Costo unitario<\/strong><\/td>Coste total<\/strong><\/td><\/tr><\/thead>
Reemplace el techo de yeso<\/td>165.00 SF@<\/td>$14.50<\/td>$2,392.50<\/td><\/tr>
Reemplace las paredes de yeso<\/td>111.00 SF@<\/td>$14.50<\/td>$1,609.50<\/td><\/tr>
Reemplazo de aislamiento de pared parcial<\/td>206.00 SF@<\/td>$1.25<\/td>$257.00<\/td><\/tr>
Reemplace las paredes de paneles de yeso<\/td>328.00 SF@<\/td>$3.00<\/td>$984.00<\/td><\/tr>
Reemplazar base y moldura<\/td>52.00 SF@<\/td>$7.50<\/td>$390.00<\/td><\/tr>
Reemplace el piso de madera<\/td>165.00 SF@<\/td>$10.50<\/td>$1,732.00<\/td><\/tr>
Reemplazar alfombras<\/td>22.00 SY@<\/td>$36.00<\/td>$792.00<\/td><\/tr>
Reemplazar ventana<\/td>2.00 EA@<\/td>$575.00<\/td>$1,150.00<\/td><\/tr>
Reemplazar abertura enmarcada<\/td>1.00 EA@<\/td>$225.00<\/td>$225.00<\/td><\/tr>
Reemplazar radiador<\/td>1.00 EA@<\/td>$825.00<\/td>$825.00<\/td><\/tr>
Reemplace el accesorio de sombrero alto el\u00e9ctrico<\/td>4.00 EA@<\/td>$190.00<\/td>$760.00<\/td><\/tr>
Reemplace el tomacorriente el\u00e9ctrico<\/td>9.00 EA@<\/td>$90.00<\/td>$810.00<\/td><\/tr>
Pulverizar y sellar paredes<\/td>437 SF@<\/td>$0.75<\/td>$327.75<\/td><\/tr>
Techo y paredes de primera pintura<\/td>601.00 SF@<\/td>$0.55<\/td>$330.55<\/td><\/tr>
Pintar techo y paredes<\/td>601.00 SF@<\/td>$1.00<\/td>$601.00<\/td><\/tr>
Recorte de pintura<\/td>1.00 LS@<\/td>$249.00<\/td>$249.00<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Si decide contratar a un ajustador p\u00fablico de seguros, deber\u00e1 firmar un contrato con \u00e9l o ella. Definir\u00e1 qu\u00e9 porcentaje pagar\u00e1 al ajustador de su liquidaci\u00f3n total. Si tiene dudas, puede rescindir el acuerdo dentro de un per\u00edodo determinado, generalmente 72 horas despu\u00e9s de la firma.<\/p>\n\n\n\n

El mejor momento para contratar a un ajustador p\u00fablico es al comienzo de un gran reclamo. Eso le permitir\u00e1 al ajustador p\u00fablico la mejor oportunidad para acelerar su reclamo. Si no contrat\u00f3 a un ajustador p\u00fablico de reclamos y luego se encuentra en medio de una pesadilla de reclamos, a\u00fan tiene la opci\u00f3n de contratar a un ajustador p\u00fablico en medio de un reclamo.<\/p>\n\n\n\n

Los ejemplos y la perspectiva de este art\u00edculo son la opini\u00f3n de Claim Ally. Claim Ally no ejerce la abogac\u00eda ni brinda asesoramiento legal.<\/em><\/p>","protected":false},"excerpt":{"rendered":"

If you are like most people, you probably haven\u2019t memorized the details of your home insurance policy. But these details are important in case your property ever suffers major damage as a result of a fire, flood or other disaster. 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