Help With Claim Adjustment
Help With Insurance Claim Adjustments
Public Adjusters For Fire, Smoke, Hail, Wind, Water, Hurricane, Tornadoes, & Theft!
As if having a destructive homeowner’s property claim or business claim that causes severe damage isn’t enough, the second catastrophe can be dealing with your insurance company or the company’s insurance adjuster. Most insurance claims can be very complex due to the large amounts of property that is damaged.
For the most part, your insurance company wants you to believe that they will live up to their end of the policy and pay for all property damages you have incurred. However, more and more policyholders are finding themselves fighting with insurance company representatives that act like the policyholder is trying to take “their personal money.” It’s not the adjuster’s money or the insurance company’s money, it’s your money. You are entitled to the full “amount of loss,” for the damages your home or business have suffered.
One thing is for certain, you should never attempt to fight your claim alone without professional assistance. Think about it. The insurance company hires, trains and sends a claims adjuster (their hired gun) who is on their payroll to assess your damage. Their adjuster will calculate how much they will pay. Worse yet, is how much they are even willing to pay out. Which is actually lower than what the claim should pay. How do you know if they are being truthful or did not make any mistakes? How do you know if they missed items or purposely omitted others? Can you see how the entire process revolves around them?
Services – Public Insurance Adjusters
Fire claims are particularly complex for the insured and usually expensive for the insurance companies. Do not expect the insurance company to be very accommodating. For most fire claims, the insurer will thoroughly investigate the circumstances of the fire to prevent fire claim fraud, and take measures to minimize their losses.
The days following the fire are crucial for the positive outcome of your insurance claim. Missing important deadlines, not understanding the terms of your insurance policy, making errors when completing the forms, or relying just on the appraisal put forth by your insurance company, may result in a smaller settlement, even a denied claim.
By working with a public claim adjuster from the start, to help discover and thoroughly appraise all the fire losses, file the insurance claim properly and on time, and negotiate with the insurance company, you will secure the best chances for a successful fire claim settlement. It will also leave you more time to deal with the other important aspects of your situation post-fire, and bring relief and peace of mind, knowing your claim is handled by qualified professionals.
Water damage (from broken pipes, appliances, rainstorms, etc.) is one of the most common type of property damage claim. The damages associated with reconstruction and remediation of water infiltration are very costly. There are many ways a property can suffer from water damage. Water can affect a home or building from a ruptured water heater, sewage backup, toilet, sink or tub overflows, leaky dishwasher, washing machines and hoses, frozen or ruptured pipes, and even wind-driven rain from a storm event. Whichever cause of the loss that may have occurred at your property, most water damage is covered by your policy.
A common mistake by policyholders is that they are under the impression that flood damage is considered water damage. However, they are totally different claim types. Water damage claims are covered by your policy where “flood” damage claims are excluded. Never call your insurance company and claim that you have a flood when you do not. Always say you have water damage.
To make matters worse, there are many instances when the insurance company will attempt not to cover a water damage claim. Many times carriers will also apply your mold coverage incorrectly, costing you tens of thousands of dollars out of your own pocket. Either way, For The Public Adjusters is here to assist you in maximizing your water damage insurance claim payout.
Wind damage issues can be very costly if neglected. Small, unseen damages can cost significantly more if left unattended. A strong wind storm can displace, rip, and totally tear off all types of roof coverings, siding, gutters, fencing, etc., which leaves your property compromised and ineffective at repelling water. Exterior roofing and siding that has been damaged by high winds loses its ability to effectively shed water and protect your building from water intrusion.
On the other hand, when major wind damage strikes, you may feel that, along with your property, your life has also been blown away. Although your primary goal may be to get back to normal as soon as possible, you quickly find yourself at the mercy of your insurance company and their claim adjustments schedule.
Hail damage and hailstorms in North Carolina (NC), South Carolina (SC), and Virginia (VA) are a way of life. For most policyholders, it’s not whether a hailstorm will hit, but rather when a damaging hailstorm is going to hit. Many times in these states hail will strike six or more times a year. This causes severe damage to homes and commercial buildings every year. By definition, hail damage is any damage resulting from hailstones and hailstorms. Hailstones that are 0.75 inches or greater are large enough to cause substantial damage to homes, automobiles, and property. For comparison, 0.75 inches is the diameter of a penny.
You may feel that if you can’t see any signs of hail damage, or there are no signs of roof leaks, you don’t have damage. This is so far from the truth as damage from hail can be very difficult to identify. Many policyholders discover major hail damage to roofing, siding, and other parts of their property years down the road. Unfortunately, such discoveries are found after it’s too late to file a claim with their insurance company.
As with most claim adjustment situations, many insurance companies wrongfully deny hail claims on a daily basis. Industry biased engineers and uneducated adjusters can cost you tens of thousands of dollars. Tricks such as denied claims, damage does not exceed deductible, or only half the roof is covered, are just a few of the shortcomings that put the financial burden directly on your shoulders. Fortunately, we provide detailed storm damage inspections at no cost.
Hurricane damage can cause major issues to your property. The damage caused by hurricanes can be either moderate or downright destructive. Some of the damages associated with hurricanes will be covered under your policy. However, some associated damages will not be covered. Of course, wind, wind-driven rain, and water that enters your home or building from the roof, doors, or windows are covered by your policy. On the other hand, rising water from a stream, lake, river, or ocean is excluded from coverage unless you have a separate flood policy. (see more details about flood coverage at The National Flood Insurance Program website).
After a hurricane, when homeowners and business owners see their buildings intact or without obvious signs of damage, they feel they have dodged a bullet and have no damage. In most cases, a closer look will reveal unseen damages that, if left alone, could lead to very costly repairs later on down the road. After any storm, you should consider having a storm damage inspection of your property. Roof, siding, windows, doors, fencing, sheds, foundations, etc. should all be inspected. Call 919-400-6440 for more details.
Take action today! At the very least speak to someone to get expert advice. It does not cost anything to speak to a claim adjustment specialist.
Get your property claim damage questions answered at no cost. No sales pitch, no pressure, just answers.
Call 919-400-6440 to speak with a state licensed public insurance adjuster who is there for your interests. Not your insurance company’s!
The most important thing is to not go it alone. Don’t take our word for it. Visit our customer reviews page to see how others feel about hiring For The Public Adjusters, Inc to represent them against their insurance company. If you wish to speak with any of them, we will provide their contact information upon request after your fill out the form here.