Public Insurance Adjuster Services
What we do for you
Our public insurance adjuster services help to achieve an equitable insurance settlement for our clients.
- We support your claim with the extensive knowledge and the technical expertise necessary to effectively deal with your insurance carrier relative to all aspects of your insurance claim.
- We assess your damage in detail, prepare and present a comprehensive claim to the insurance company’s representative, and negotiate the best possible settlement on your behalf.
- We guide you through the claims process with professional, personalized service beginning to end.
Expertise in a wide range of areas:
- Single-Family Dwellings
- Multi-Family Properties
- Condominium Associations
- Commercial Properties
- Industrial Buildings
- Residential Personal Property
- Business Personal Property
- Business Inventories
- Machinery and Equipment
- Loss of Business Income
- Loss of Rental Income
- Extra Expense
Understanding the Cause and Extent of Your Loss
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Fire
Losing your home or business to fire damage is a devastating experience. A detailed professional assessment of your loss and damage by our Public Insurance Adjusters is critical to obtaining the proper settlement. While it is important to properly document the fire damage to your structure, it is equally important to document the fire damage to your personal belongings. Our building estimator will assess the damage to the structure of your home or business. Our Public Insurance Adjusters will also complete a thorough inventory of all your damaged business or personal property including items which may have been completely destroyed and burnt out of sight. The results of our efforts are to ensure that you receive a fair settlement allowing you to complete the necessary repairs to your home or business and to replace all of your damaged items.
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Water
Understanding the many different types of water damage is important when considering an insurance claim. Damage caused by a rainstorm is not the same as damage caused by a flood or a burst plumbing fixture. We are here to help you navigate through the claims process by reviewing your policy and determining the type of loss you have suffered, to also include the involvement of emergency restoration vendors when necessary. Following these initial steps we complete a detailed appraisal of the damages you have sustained to both your structure and personal property.
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Wind
Many homeowner policies provide coverage for acts of nature such as a windstorm, hurricane, or a tornado. Although wind damage is typically covered by your policy, there are many other factors that can impact your insurance claim. It is also important to be aware of and document further damage that can ensue from wind damage to your home such as water damage from rain entering a damaged roof or removing a fallen tree from your structure.
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Lightning
An act of nature such as a lightning strike can cause substantial damage to your property. Additional damages caused by an ensuing power surge can go undiscovered if not properly assessed by our Public Insurance Adjusters. Personal property items such as household electronics can also be damaged by lightning. It is important to have an expert in this area to help determine all structure and personal property damages you have sustained so that a fair and equitable settlement can be achieved with your insurance company.
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Flood
Property damage caused by a flood is not typically covered under the standard insurance policy. Coverage for flooding must be obtained separately through your carrier or the National Flood Insurance Program. Flooding can result from a wide range of conditions including storm surges, overflowing rivers, or heavy rain. Understanding your loss and the necessary mitigation steps requires the guidance of a professional public adjuster who recognizes the proper cause of your loss which may at times consist of two or more separate causes of loss.
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Smoke
Recovering from smoke damage is often not a simple matter of cleaning up the soot by removing it from your structure and affected textiles and furniture. Proper assessment by our public adjusters of all damage both superficial and hidden is necessary. Smoke can infiltrate and damage almost everything it touches in the most unsuspecting places. Damage to electronics, mechanical systems, and the structure of your building must be considered to achieve the proper settlement of any claim.
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Theft and Vandalism
When an unwanted party steals items or causes malicious damage to your property, proper documentation of the items stolen or damage sustained is necessary. Homeowners Insurance will typically cover your personal belongings stolen inside and outside of your home. However, there are important areas to be aware of when filing a claim for theft including coverage limitations for certain high-value items such as jewelry, antiques, artwork, and other personal property items. Additionally, we can help ensure that your theft claim includes structural damages resulting from forced entries and vandalism during the theft.
Four Key Steps to an Insurance Settlement
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Determine Policy Coverage
The first step is the analysis of your insurance policy’s terms and conditions to determine the rights and responsibility of the insured as well as the obligation of the insurance company.
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Documentation of the Claim
The insured is required to prove the full extent of their loss and support their insurance claim with appropriate documentation. Our professional team will recreate an exact picture of your property prior to the loss, which may include architectural drawings, detailed cost estimates, and a variety of other evaluations.
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Presentation of the Claim
After the full extent of the loss has been determined and documented, the appraisal of loss and damage is presented to the insurance carrier for their review and consideration.
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Negotiation of Settlement
Our in-depth knowledge of every aspect of your insurance claim allows us to successfully negotiate with your insurance carrier to ensure that you are fully compensated for your loss in accordance with your insurance policy.
Frequently Asked Questions
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Why hire a Public Insurance Adjuster?
You deserve the same experienced and skilled professional representation as your insurance company. A Public Adjuster provides you with extensive knowledge and the technical expertise necessary to effectively deal with your insurance company relative to all aspects of your claim. This includes: determining your policy coverage to make sure you claim all that you are entitled to; then properly documenting your loss to ensure that you receive the best possible settlement.
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What type of losses does a Public Insurance Adjuster handle?
A Public Adjuster is capable of handling many types of insurance claims for damages to your building and/or personal property, in both a residential and a commercial setting. Some examples are: fire losses; water damage; hurricane and other wind-related damages; smoke damage caused by furnace malfunction; vandalism damage; loss by theft; vehicle contact with a structure; as well as many other types of covered losses. We also handle loss of business income claims, loss of rental income claims, extra expense claims and additional living expense claims.
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When should I call a Public Insurance Adjuster?
A Public Adjuster should be contacted immediately following a loss. We will promptly arrange to meet with you to view your loss, review your insurance coverage, coordinate any necessary emergency services, and discuss with you the details of your claim.
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How and when is a Public Insurance Adjuster paid?
We charge a small percentage of the net settlement of your claim, which is established at the very beginning of the adjustment process and agreed to by you. We are paid once your claim is settled with your approval and you receive your insurance proceeds.
