Insurance Claim Consultants
Fire, Theft, Wind, Water, Sinkhole
Property (Contents, Building and Building related) losses
only
When you suffered a covered insurance loss, the insurance company will send
out their adjuster, who represents their interests. Why go it alone? When it
comes to the handling of your claim, we represent your interests
exclusively!
We are professional public adjusters,
protecting the covered "public". We
have represented our valued clients throughout the United States, including
New York, Florida, Louisiana and Mississippi for many different types of
losses.
Our valued services
are outlined below in detail for your benefit. These services, combined with
our knowledge and experience, will ensure that our clients will not only
receive the maximum insurance recovery, but an expedited recovery as well.
WE WILL INTERPRET
YOUR INDIVIDUAL INSURANCE POLICY COVERAGE AND APPLY IT ACCORDINGLY TO
EACH FACET OF YOUR CLAIM, I.E.:
RESIDENTIAL:
COVERAGE A: BUILDING
COVERAGE B:
APPURTENANT STRUCTURES
COVERAGE C: PERSONAL
PROPERTY
COVERAGE D:
ADDITIONAL LIVING EXPENSE, LOSS OF USE AND RENTAL LOSS
EXTRA EXPENSE:
COSTS ASSOCIATED WITH TEMPORARY AND PERMANENT RELOCATION
BOILER & MACHINERY:
DAMAGE CAUSED BY EXPLOSION OR IMPLOSION OF EQUIPMENT
BUILDERS RISK:
PROPERTY UNDER CONSTRUCTION
MARINE:
WATERCRAFT –
PLEASURE BOATS
YACHTS – POWER &
SAIL
COMMERCIAL OCEAN
MARINE – FISHING VESSELS, TRAWLERS, LARGE
VESSELS, OIL RIGS,
ETC.
INLAND MARINE:
TRANSPORTATION, CARGO, BRIDGES, TUNNELS, ETC.
Expert Coverage
Interpretation Of Your Insurance Policy is important:
The proper
interpretation and analysis of your insurance policy is crucial in any loss
recovery. We utilize our vast knowledge of "contract" and "insurance
contract" law to understand the strengths and weaknesses of your insurance
policy as it relates to your current property loss.
We have found that
the insurance policy language can be difficult to understand or interpret
for many. If you are not well versed in insurance contract
law you may find it difficult to understand the rights and coverage
available to you, under your specific insurance contract and how this
coverage relates to your specific insurance loss. In addition our analysis
of your insurance contract will also identify your obligations to the
insurance company as well. This is usually defined under the condition
portion of the insurance contract “ Your Duties After Loss”.
We help
ensure that your insurance company will fulfill all of its obligations
to you under your specific insurance contract.
Compliance and
Assistance of “Your Duties After Loss”:
Once we have been
engaged, we will not only inform you, but also assist you in the compliance
of all of your obligations under your insurance contract. This valued
service ensures that our client’s responsibilities under their insurance
contract are fully met, and that there is no breach of the insurance
contract, which could jeopardize or limit our client’s recovery.
Each insurance
policy includes a section which lists the duties and responsibilities of the
insured after a property loss. If these obligations are not completed or
fulfilled by the insured or met in their entirety, it may possibly
jeopardize a portion of the claim payment, or even void coverage in some
extreme instances. The insured has a contractual responsibility to fulfill
these obligations to the insurance company completely.
By engaging us to
represent your interests, you not only get the confidence of working with an
experienced seasoned professional, but piece of mind that your settlement
will not be jeopardized or limited in any way by any act, error or omission
of you, the insured.
Initial Inspection
and Loss Valuations/ Reserves:
It is imperative
that we gain access to the loss location to complete a preliminary
assessment on all facets of your loss immediately,
prior to the insurance adjusters initial inspection.
By allowing us the
opportunity to get an in depth knowledge of your damage and loss exposure,
prior to your insurance company, it benefit’s you, our client, greatly. In
addition it also allows our firm and our experts the time necessary to
process our initial findings into report form and gather the necessary
supporting documentation to confirm the values included in these initial
reports.
A request for
advanced payment will be made upon our initial inspection of the risk with
the insurance company adjuster. These advanced payments will be necessary to
offset additional expenditures our clients incur as result of their loss,
such as Temporary Repairs to Building, Cleanup, Personal Property and
Business Property Repairs and Replenishments, Relocation, Business Income
Loss, Etc.
Detailed Loss
Valuations:
We pride ourselves
on having developed a long list of experts and/or associates that excel in
their specific fields and professions throughout the nation. The combination
of a professional public adjuster and our associates expertise in
documenting and establishing maximum loss values guarantees our clients will
recover the maximum value of their insurance claim.
Expert Negotiations:
We have developed
unique skills, as well as a finely tuned expertise in negotiating the
maximum settlement on behalf of our clients. Our firm’s expert negotiations
start from the minute we are engaged by our client, these negotiations
continue on a daily basis until the conclusion and final settlement. We have
successfully negotiated property claims of all types and sizes, caused by
all types of weather and non-weather events, on behalf of our clients
nationally and internationally, by all types of insurance entities national
and international.
Our expert
negotiations start immediately, with our first meeting with your insurance
companies claim personnel our company representatives). We quickly establish
a solid foundation of professionalism..
The next level of
negotiation and equally as important as the above, immediately establishing
our in-depth knowledge of your insurance contract and the rights available
to you under that contract as well as preliminary recoveries available,
under that contract.
FREQUENTLY ASKED
QUESTIONS AND OUR ANSWERS:
Q. WHY SHOULD I USE
A PUBLIC ADJUSTER?
A.
To properly adjust an insurance claim, highly skilled professional insurance
experts with a vast knowledge of Insurance Policies, Co- Insurance,
Replacement Cost, Depreciation, Inventory, Current Building Repair and
Replacement Cost, Damage Assessments and Negotiation are necessary to secure
the Maximum Recovery from your insurance policy.
Only an experienced
professional can meet and exceed these qualifications.
Q. WHY SHOULD I
CONSIDER HIRING AN EXPERT PUBLIC ADJUSTER TO HANDLE MY CLAIM?
A. We have the
knowledge of fire, heat, smoke, water, wind and other types of damage,
including “Hidden Damage”.
We have the latest
in construction knowledge and value analysis information, deprecation and
other elements to expertly develop an insurance loss. Consider when you have
a legal situation where you are attempting to get paid for an injury or
other loss. You hire a Lawyer, usually even in the case where only a few
thousand dollars are involved. You trust his professional experience to best
protect your financial interests. Shouldn’t you have that kind of expert
protection in a loss involving several thousands of dollars in a property
loss? You know the insurance company hired a professional adjuster to
represent their interest.
Q. WHY SHOULDN’T I
WAIT TO GET AN OFFER FROM MY INSURANCE COMPANY, BEFORE ENGAGING US?
A. The
insurance company makes a dollar evaluation (an estimated “reserve”) on your
loss almost immediately upon first inspecting your loss. In most states, it
is an absolute requirement. The adjuster bases his decision on what you know
about the loss and what you tell him (and what you don’t tell him). He
certainly is hired by and paid by the insurance company therefore his
interest is to best protect the company. Unless some agreements are made
initially about the scope of the loss, what is to be done next (temporary
repairs, temporary business or living quarters, etc.), serious problems
arise that could jeopardize the final settlement figures. To avoid
misunderstandings, long delays and reduced settlement figures, it is wise to
hire a Public Adjuster to deal with possible problems before they occur. You
certainly are much better off hiring a lawyer immediately when you are first
involved in another type of claim, not when you lose the case and go to
appeal. Shouldn’t you hire your Public Adjuster immediately to be sure you
are protected? Certainly!
Q. WHY WILL MY LOSS
BE HANDLED QUICKER WHEN I UTILIZE YOUR SERVICES?
A.
We know exactly what is necessary to provide to the insurance company in
order to expedite the settlement of your claim. A great deal of time can be
saved by having our Professional Public Adjusters, who have experience as
full time loss experts, handle your loss. With accumulation of evidence and
substantiation of your loss through inspections, inventories and building
estimates. We are able to quickly have your claim filed and the settlement
process under way.
Q. WHY IS A BUILDING
CONTRACTORS ESTIMATE NOT ENOUGH TO HAVE THE COMPANY ADJUSTERS MAKE A
SETTLEMENT?
A. Building
contractors do not have experience in interpreting insurance policies and
how they apply to a loss. They are not knowledgeable in computing
Depreciation, Co- Insurance, Actual Cash Values Divisions of the policy and
other elements of your loss. Further, a contractor is competitive with his
bid, attempting to provide his lowest bid so as to get the job. Hidden heat,
smoke and water damage could cause you problems after you settle your loss.
If the job is given to competitive bid, it usually means the lowest bid will
get the job. It is certainly much better for you to have control of your
money, to hire who you choose, and pay them as you see fit for the quality
of the work performed to your satisfaction.
You then control
what and how repairs are made. Further, a contractor cannot handle your
Contents, Business Interruption or Additional Living Expense loss or other
losses related to the policy.
Q. HOW DO YOU GET PAID?
A. We charge a
small percentage of what the insured receives in settlement. We do not
receive any fee until the insurance company actually issues the check to
you. Secondly, because we do work on a percentage of the recovery, we will
endeavor the greatest amount in settlement for you. We will advise you of
any offer, and it will be your final decision to accept or reject the offers
of the settlement. This “Contingent Fee” is very similar to how many
Attorneys and Realtors charge their
