FAQ 2017-11-14T05:34:40+00:00

FAQ’s

Frequently Asked Questions

FAQ’s

Frequently Asked Questions

INSURANCE FAQ’S

Because hail storms are considered a natural event that is beyond your control, IT IS AGAINST STATE LAW FOR YOUR INSURANCE CARRIER TO INCREASE YOUR PREMIUMS OR DROP YOU BECAUSE OF A PROPERTY LOSS CLAIM!

No. You have been paying your insurance for years and are entitled for replacement damage to your home regardless of age or prior condition. A storm like the one that affected your area is very rare and has forced most insurance companies to send Catastrophe Action Teams (CAT) to the area to take care of the overwhelming number of claims. They are obligated to cover your loss at a fair market value.Your Content Goes Here

No. Most of the insurance companies have sent CAT teams to handle the large amount of claims. the CAT teams are paid differently and are a lot easier to deal with than the local claims adjusters. Your chances of an approval increase greatly when dealing with the corporate office and CAT teams.

We are familiar with the parameters that insurance use to approve a claim. We will do a thorough inspection and will show you the results of our inspection. Since we will be meeting the insurance company for the adjuster meeting, we would be wasting our time, as well as yours, if we didn’t feel that you are going to get approved.

We require that all our hail damage employees take an extensive one-year class and become certified forensics hail damage experts. This will enable them to determine actual hail damage from normal wear and tear.

There is no catch! We make money when a job is approved. Then we ask you to put a sign in your yard to let the neighborhood know that we had an approval. Then we send our door to door guys back through your neighborhood to get more jobs.

PUBLIC ADJUSTERS FAQ’S

A Public Adjuster (PA) represents you and your interests when you have an insurance claim on your business or home. The PA works for you, not the insurance company. PA’s put together the details for and assign dollar values to the claim on your behalf, ensuring that every dollar is captured in the claim.

Until a disaster happens, claim issues are not something a person would pay attention to. Also, people are under the false impression that the adjuster for the insurance company is their advocate, ensuring a full, maximized pay-out from a claim. That is why PA’s are pro-active in reaching out to offer needed services to people suffering a recent property loss.

The adjuster, consultants, estimators, and engineers that the insurance company sends out all receive their paycheck from the insurance company. There is no one in that process advocating for you to maximize your claim. The PA protects your interests the way the Insurance Company adjuster represents the Insurance Company’s interests. The insurance company is in business to make money. The more they pay in claims, the less profit for them.

Your insurance policy requires you to present and prove your claim. You must justify and detail every dollar that you expect the insurance company to pay. It is not the responsibility of the insurance company’s adjuster to do this. Large claims are complex; there are many ways to value property, and also many decisions as to what should be included in the claim. The PA assembles the claim from your vantage point, capturing every dollar possible. The adjuster for the Insurance Company does not take this approach.

Commercial and Homeowners insurance is not like life insurance. Life insurance pays the policy amount in a claim. In a commercial or homeowner claim, the insurance company does not send you a check for the amount of coverage just because you report a loss. The building claim must be detailed and proven, and there is much that can be disputed. The contents must also be detailed and proper dollar values assigned. To do it right requires expertise and a lot of time. The PA maximizes these dollar values, and frees you from the burden of detailing the claim.

Most attorneys and CPAs are not specialists in this area. Public Adjusters are often brought in by attorneys and CPAs to provide the expertise required for policy interpretation and maximizing the dollar values of a claim. Without a PA involved, CPA’s and Attorneys typically use the dollar values provided by the insurance company.

A Public Adjuster (PA) represents you and your interests when you have an insurance claim on your business or home. The PA works for you, not the insurance company. PA’s put together the details for and assign dollar values to the claim on your behalf, ensuring that every dollar is captured in the claim.

Until a disaster happens, claim issues are not something a person would pay attention to. Also, people are under the false impression that the adjuster for the insurance company is their advocate, ensuring a full, maximized pay-out from a claim. That is why PA’s are pro-active in reaching out to offer needed services to people suffering a recent property loss.

If you are early in your claim, you are in the “honeymoon” period. You may not have run into anything to dispute yet. If you are later in the claim, you may not recognize that you really are entitled to more money in the settlement according to the insurance contract. A Public Adjuster, who is protecting you, will push the valuations on property to higher levels wherever possible. Without the expertise in claim settlement issues, you won’t know if you are leaving a lot of “money on the table”

If you are not experienced in the intricacies of insurance policies, this could be very expensive “on the job” training! Most people, when they go to court for example, would find it unthinkable not to have an attorney present. Most people have an accountant or CPA handle their tax matters. Insurance claims are every bit as complex. Quite often, not understanding the policy language completely or not applying the coverages properly results in costly errors.

A PA will control the direction of the claim and develop strategies with you to maximize your pay-out. If a PA is involved at the beginning, control of the process remains with you rather than the insurance company. You can bring in a PA late in the game, but that is similar to going to trial without a lawyer. Once you lose, you can bring in a lawyer, but it is a much different situation.

The fact that the insurance company offers you are a large sum of money does not mean you are receiving everything you are entitled to. Most people do not have the knowledge of insurance policies to know if all coverages have been “tapped” appropriately. You could easily walk away from a large amount of money you didn’t know was yours.

As much as they may want to help, they have no pull or control over the claims process. Also, they will not do the physical inventory for you that is required. They will not be involved with the building estimate details, business interruption insurance claim or assigning dollar values in any way. They have nothing to do with maximizing your claim. Bottom line, when a Public Adjuster is involved, insurance companies pay more in claims. They don’t like that.

No, to the contrary, because of the expertise and knowledge a Public Adjuster brings to the process, claims are expedited. Areas of disagreement with the insurance company which are inevitable in larger claims are dealt with efficiently, professional to professional.

Contractors are usually not experts in insurance claim settlement. The Public Adjuster will obtain the largest settlement possible. You may then use the contractor of your choice and spend the money as you choose.

Nobody likes someone second guessing their work. Public Adjusters typically make the insurance companies pay more. It is not realistic to expect them to welcome a Public Adjuster. Bottom line: The adjuster for the Insurance company will tell you what they want to pay you in your claim. PA’s tell the insurance company what the insurance company is obligated to pay. Then the PA fights to make it happen!

Public Adjusters are paid on performance. No up-front or hourly fees. The fee is a minimal percent of the claim, far less than the typical attorney fees of 30%

We have over 25 years of successful experience. Most of our business comes from repeat and referral clients. This would not happen if we had not been successful for our clients. Also, consider the learning curve to master the intricacies of all the component parts of insurance claims. It is more likely than not that with our expertise we would achieve a larger pay-out than a first time effort would produce.

We are the Industry Leader with over 25 years’ successful experience protecting the interests of and significantly increasing pay-outs for the insured. Expertise includes adjusting corporate multi-million dollar claims as well as family business property claims. Our in-house public adjusters average over 20 years’ experience each and come from the insurance industry leaders. Our resources also include contents valuation specialists, forensic accounting and legal expertise. We are your team of experts who will level the playing field and achieve excellent results!

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