No. Our services are engaged exclusively by the policyholder and not the insurance company.

The insurance company adjuster is usually trained and employed by the insurance company – He must strike a balance between your interests and those of his company. We work for our client’s best interests exclusively.

We do, and we work for you. With our expertise, experience, and policy knowledge, we are far more capable of bringing about a complete and equitable payment for damages.

An agent or broker is well trained in determining your insurance needs, and placing or writing insurance programs, but they are not well trained in detailing insurance losses. You can’t expect an Agent, who is not paid to adjust losses, to try and “adjust” one. They generally don’t have the time, training or facilities to render the highly specialized service of insurance adjusting.

It should stand to reason that we, who are licensed and experienced in professionally investigating, handling, preparing estimates, and proving losses every day are best suited for this situation. Some of the best contractors in the U.S. hire us as their consultants.

To properly adjust an insurance claim, highly skilled professional insurance experts with vast knowledge of insurance policies, co-insurance, depreciation, inventories, building damage assessments, repair / replacement costs, and strong negotiation skills are imperative in securing the maximum recovery from your insurance policy. Only a licensed, full time, professional experienced in all areas of insurance claims has these qualifications, and I have them. With me, you are getting the expert that the experts use in order to prove and value their large losses. I am a former/current state licensed Industrial, Commercial, Residential General Contractor, licensed Public Insurance Adjuster, as well as a Certified Property Loss Appraiser and Umpire credentialed in multiple states and Puerto Rico. I am also an Associate Member of the American Adjuster Association that advocates for policyholder rights across the United States.

The typical insurance policy contains many provisions, complex details, and technical language about your duties or requirements; and the complicated procedures you must adhere to in case of loss. Many people do not know or understand these policy provisions, and do not realize that the burden of proof is on them, the policyholder. In fact, most insurance company representatives actually prefer to work with a professional adjuster rather than an inexperienced insured.

We not only have your confidence, but the insurance company adjuster’s as well because they recognize that they are working with a professional. We are well trained in what to look for in an insurance policy and fully understand the procedures necessary in preparing and filing a claim in accordance with policy requirements.

We properly identify, assess, and take a physical inventory of all of your storm related damages, prepare the estimate of damages to your building, and assist with other pertinent documentation to determine your business interruption or extra expense losses if applicable. We make certain that all provisions in your insurance policy are properly fulfilled. This often involves numerous steps of which you may know little or nothing about but they can definitely make a significant impact on the outcome of the amount for your final agreement with your carrier.

At the onset, the insurance company makes a dollar evaluation of your loss at the time they first inspect it. This is called a “reserve” and is an absolute requirement in most states. The adjuster bases the “reserve” solely upon his initial inspection, your knowledge of the loss, and additional information you may remember to tell him. He is hired and paid by the insurance company so his interest is how to best protect his employer. Unless some agreements are made initially regarding the scope of loss and what is to be done next (such as temporary repairs, temporary business or living quarters, cleaners, etc…), serious problems could arise that may jeopardize the final settlement figures. I will also help eliminate the
possibility of “forgotten items” that may have been overlooked by you. To avoid misunderstandings, long delays and reduced settlement figures, it is wise to hire a professional to deal with these possible problems before they occur. A professional should be hired immediately to protect your interests much like you would immediately hire an attorney after being involved in other types of claims, such as automobile or personal injury accidents.

The vast majority of building contractors do not have experience in interpreting insurance policies, carrier methods of denial, and how they apply to an actual loss. They are not knowledgeable in proving damage, calculating depreciation, coinsurance, actual cash value provisions of the policy, and other elements of your loss. Further, a contractor is competitive with his bid, attempting to provide his lowest bid to get the job. Hidden heat, smoke damage, and water damage could cause you problems even after you settle your loss. These items and many more are usually overlooked because many contractors are unfamiliar with the methods of preparing a detailed estimate in a format that the insurance company recognizes. In addition, a contractor can’t handle your contents inventories, prepare your additional living expense loss, or business interruption loss.

We use skilled, knowledgeable, experienced estimators, engineers, and/or loss experts to prepare highly detailed estimates of all aspects of your loss. The building estimate is in a form and content familiar to insurance company experts and is done in conjunction with examinations by both the company adjusters and our experts. Every item of reconstruction is accounted for and detailed. The estimate specifically details all aspects of damage repairs necessary to restore the dwelling/building to its original condition or evaluate it as to its current value.

We charge a small percentage of what the insured receives in settlement. We don’t receive any fee until the insurance company actually issues the check. It is to our benefit to get the most accurate settlement possible for you in as little time as possible. We also guarantee that the benefits gained from engaging our services will more than compensate the cost of our fee, at the very least. Our fees are “contingent”.

Expertise: Insurance comes with a lot of paperwork and fine print. A public adjuster can help you understand how your policy  works and can also guide you through the necessary steps to complete your claim.
Time: Managing your claim can easily become a full-time job. Your public adjuster will spare you from hours of correspondence, documentation and review, so you can focus on regaining a sense of normalcy.
Pace: The combination of expertise and availability makes a public adjuster more equipped to expedite the claim filing process. Insurance companies speak their own language, and if you don’t understand it, you might find yourself needing two or more attempts to complete each of their requests.
Representation: Without an expert by your side, your insurer will have no reason to believe that you could and would challenge an unjust settlement. Hire a public adjuster to show that you are serious about your claim, and to assist with next steps if your claim is denied.
Value: Lastly and most importantly, a public adjuster can recover a sum that truly indemnifies you and helps you move forward with rebuilding your life.