Property Damage?
If your property has been damaged by Fire, water, storm, mold, or smoke the public adjuster will file the claim, assess and document the damage, produce the estimates, deal with the insurance company and get you the funds you deserve!
Is It Covered?
Majority of property owners are not aware that most damage that occurs is actually covered by their insurance. Insurance policies have varying degrees of coverage and without an examination of your particular policy and property there is no way to determine the extent of your coverage.
It is up to you to prove the extent of your loss to the Insurance Company. A typical insurance policy is dozens of pages long and contains numerous provisions and stipulations written in technical and legal terms. Additionally, it contains various forms and endorsements which are constantly changing from year to year. Most policy holders have difficulty in understanding all of them. To be compensated for your loss, there are certain conditions which must be satisfied and failure to do so could reduce your settlement amount or even cause your claim to be denied. Processing an insurance claim is never a simple matter. No two claims are the same and all require active experienced management to obtain a fair settlement.
What public adjuster will do for you
•Complete a detailed estimate of what is required to repair or rebuild your premises.
•United Claims Specialists will assist in the preparation of inventories on your damaged personal or business property, contents, and related items. With your help in providing correct documentation, and determining ages and descriptions, Our Public Adjusters can evaluate and determine the approximate current values.
•Prepare your Time Element Losses, such as Business Interruption, Loss of Rents, or Additional Living Expenses.
•Establish a professional line of communications with the insurance adjuster.
•Present estimates, inventories, and other valuations to the insurance adjuster.
•Meet at the site of the loss with the insurance company to adjust your claim.
•Provide experts, if needed, to support the claim.
•Negotiate the best possible settlement.
•Keep you updated of the claims status and ongoing efforts.
•Relieve you of the stress and hardship of having to do it alone.
•Coverage Review of all Insurance Policy Coverage’s, Request certified copy of policy if current one is not available.
•Prepare documentation for Advance Payment Request
•Assemble Claim Preparation Team, Estimator, Engineers, Appraisers, and Umpires.
•Prepare Valuation of Replacement Cost / Depreciation
•Communicate with Emergency Services
•Evaluate Building Damage
•Access Microbial Contamination and compliance protocols.
•Investigate, Scope Photograph and measure the extent of the loss and impact it will have on insured.
•Monitor and expedite the claims process with the insurance carrier to negotiate final recovery to the insured’s satisfaction.
Types of Losses
Fire:
Public adjusters have a wealth of experience in representing clients who have been the victim of home fires and floods. They will personally peruse your insurance policy in order to determine exactly how much you are owed. They will then document the damage and make reasonable and informed repair estimates. Only then will they file a claim and begin negotiations with your insurance provider.
Smoke Damage:
Public adjusters have a wealth of experience in representing clients who have been the victim of home fires and floods. They will personally peruse your insurance policy in order to determine exactly how much you are owed. They will then document the damage and make reasonable and informed repair estimates. Only then will they file a claim and begin negotiations with your insurance provider.
Mold:
The first thing public adjuster will do is look over your policy and determine if mold damage is covered. If it is, we will send an experienced professional to your home to document and assess the damage. They can then begin preparing a claim that contains all of the pertinent evidence. Once the claim is received by your insurance provider and they contact us, they can begin negotiations. Because they work on a contingency basis, his motivation is always to push for the highest possible settlement
Water:
As flood waters rise the first thing a homeowner has to do is get to high ground, once the waters are gone the real impact of the flood is only just beginning. Public adjuster represents you, the policy holder, If you have any question about your insurance policy, it is always best to err on the side of caution. Never submit an insurance claim unless you are absolutely certain you deserve remuneration. Our staff of talented and experienced public adjusters will review your policy and perform an initial investigation.
Information Needed When Filing A Claim.
Try to have as much of the following information as possible available when calling us to file a claim.
To start the claims process, we will need the following information:
Policyholder information: Name of insured, address, phone number, e-mail and policy number Description of loss: Time and date of loss, location of incident, detailed description of damages Authority notification: Please note all authorities notified (fire dept., police, etc.) Emergency Service Companies & Damage Mitigation: Please let us know if you have already contacted any emergency service companies or performed any sort of damage mitigation.