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else{cls='aqi-haz';lbl='Hazardous';} document.getElementById('ci-aqi').innerHTML='\\uD83C\\uDF2C\\uFE0FAir '+aqi+' '+lbl+'\\u25B8';}).catch(function(){document.getElementById('ci-aqi').innerHTML='\\uD83C\\uDF2C\\uFE0FAir Quality\\u25B8';});fetch('https://marine-api.open-meteo.com/v1/marine?latitude='+LAT+'&longitude='+LNG+'¤t=wave_height&length_unit=imperial&timezone=America/New_York').then(function(r){return r.json();}).then(function(d){if(d.current&&d.current.wave_height!=null){document.getElementById('ci-surf').innerHTML='\\uD83C\\uDFC4Surf ~'+d.current.wave\_height.toFixed(1)+' ft';}else{document.getElementById('ci-surf').style.display='none';}}).catch(function(){document.getElementById('ci-surf').style.display='none';});function ymd(dt){return dt.getFullYear()+String(dt.getMonth()+1).padStart(2,'0')+String(dt.getDate()).padStart(2,'0');} var td=new Date();fetch('https://api.tidesandcurrents.noaa.gov/api/prod/datagetter?product=predictions&application=palmcoastlocal&begin_date='+ymd(td)+'&end_date='+ymd(td)+'&datum=MLLW&station=8720833&time_zone=lst_ldt&units=english&interval=hilo&format=json').then(function(r){return r.json();}).then(function(d){if(!d.predictions||!d.predictions.length)throw 0;var now=new Date(),next=null;d.predictions.forEach(function(p){var t=new Date(p.t.replace(' ','T'));if(!next&&t>now)next=p;});if(!next)next=d.predictions[d.predictions.length-1];var t=new Date(next.t.replace(' ','T'));var ts=t.toLocaleTimeString('en-US',{hour:'numeric',minute:'2-digit',hour12:true});document.getElementById('ci-tide').innerHTML='\\uD83C\\uDF0A'+(next.type==='H'?'High':'Low')+' tide '+ts+'';}).catch(function(){document.getElementById('ci-tide').innerHTML='\\uD83C\\uDF0ATide n/a';});document.addEventListener('DOMContentLoaded',function(){var here=window.location.href;document.querySelectorAll('#pclh-nav a').forEach(function(a){a.classList.remove('pclh-active');var h=a.getAttribute('href');if(h&&here.indexOf(h)!==-1&&h!=='https://palmcoastlocal.com')a.classList.add('pclh-active');});});})(); Details ![One phrase to avoid when making an insurance claim](https://palmcoastlocal.net/images/BusinessBlog/making-an-insurance-claim.jpg) One phrase to avoid when making an insurance claim Avoid uttering this one phrase *when initiating* an [*insurance claim*](https://www.investopedia.com/terms/i/insurance_claim.asp#:~:text=Key%20Takeaways-,An%20insurance%20claim%20is%20a%20formal%20request%20by%20a%20policyholder,on%20behalf%20of%20the%20insured.), whether it pertains to your home, automobile, boat, or RV. Navigating the intricacies of an insurance claim can be bewildering once the process is underway. Insurance companies, with decades of expertise, dedicate substantial resources to adeptly handling claims ranging from individual payouts to addressing fire, storm, or vehicular damages. Avoid uttering this one phrase *when initiating* an [*insurance claim*](https://www.investopedia.com/terms/i/insurance_claim.asp#:~:text=Key%20Takeaways-,An%20insurance%20claim%20is%20a%20formal%20request%20by%20a%20policyholder,on%20behalf%20of%20the%20insured.), whether it pertains to your home, automobile, boat, or RV. Navigating the intricacies of an insurance claim can be bewildering once the process is underway. Insurance companies, with decades of expertise, dedicate substantial resources to adeptly handling claims ranging from individual payouts to addressing fire, storm, or vehicular damages. When interacting with an insurance company's appointed inspector or *[claims adjuster](https://www.investopedia.com/terms/c/claims-adjuster.asp)*, refrain from expressing the desire to expedite the claim with these words or phrase; ***'I would like to get this over with as soon as possible'.*** This seemingly innocuous statement can inadvertently signal a willingness to accept or negotiate on the insurer's terms due to a sense of urgency. It is crucial to remember that these representatives primarily serve the interests of the insurance company, not yours. This statement implies a readiness to swiftly conclude the process, potentially compromising your ability to negotiate a fair outcome, especially for claims of significant value based on incurred damages. While you may assume that your insurance company provides backing and protection, particularly in cases involving a third party, their commitment is contingent on your lack of fault or willingness to settle for less. Your insurer's responsibility is to restore you to pre-loss conditions and then seek reimbursement from the responsible party's insurance, or pay what is due to you per the contract. However, it's essential to recognize that insurance companies operate to maximize profits and minimize payouts. In the aftermath of an incident, such as a small kitchen fire causing extensive damage ranging in the thousand that trigger the claim process may now involve inspectors and adjusters scrutinizing the details and engaging in negotiations. In this situation, it's imperative to adhere strictly to factual information, as emotions can cloud judgment, leaving you vulnerable to tactics designed to elicit fear or guilt. Instances of delays, copious paperwork, and intimidating strategies, like one-on-one interviews or repeated questioning, may arise. During this challenging period, maintain composure and stick to the facts when dealing with insurance representatives. Take the necessary time to collect yourself before participating in interviews or phone discussions. If the process becomes overwhelming or seems unfair, considering the engagement of a professional claims adjuster or attorney to represent your interests. An independent claims adjuster can advocate on your behalf, elevating negotiations to a more assertive stance. This shift signals to the insurance company that merely playing along is no longer acceptable, setting the stage for a more equitable resolution. [Other things never to say when making and insurance claim here from MMA LAW Firm](https://www.mma-pllc.com/legal-tips/what-not-to-say-to-insurance-adjuster/) Palmcoastlocal.com does not sell insurance nor make any claims of expertise. 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