Our Public Adjusting Services
Disaster Adjusting has experienced public adjusters, licensed by the Department of Insurance to assist homeowners and business owners settle their claims by assessing, estimating, inventorying and documenting every detail of an insurance loss from Fire, Water, Storm or Other insurance related disasters. We work for you and not the insurance company having your best interest in mind. Preparing and Processing your claim takes many years of experience and training in order to submit it to your insurance company properly. We work closely with you making sure that all your paperwork such as estimates, documentations, duties and deadlines are completed properly without leaving you exposed to future issues such as denials, limited coverages or settlement amounts.
Disaster Adjusting vs The Insurance Company
It is your responsibility to prove your claim (burden of proof). However, after a loss your insurance company will generally send out a staff or independent adjuster employed by them to assess the damages on their behalf. They claim they are there for you, but they are there on behalf of the company that is paying for your loss. This is nothing less than a conflict of interest. They are teamed with engineers, adjusters, managers, accountants and a legal team to back and represent them. Who do you have? Disaster Adjusting works and fights for you while you attempt to get your life and/or business stabilized.
Avoiding Mistakes Early
The earlier Disaster Adjusting is brought in the better the opportunities are for helping the policy holder obtain the best settlement possible. Mistakes will be made, evidence will be contaminated, moved, or disposed of. Most of all the wrong thing will be said (innocently) during a conversation or recorded statement that you cannot retract or change that may negatively affect your settlement or even cause a denial of your claim.
Disaster Adjusting Will…
Review and Identify all of the coverage’s that may be applicable to your claim
Assist in any immediate damage containment of your properties
Thoroughly review your loss and damaged items, in order to provide a detailed scope of repairs, and inventory of damaged personal property/contents
Provide you with handouts, pamphlets, or information to help you help us obtain necessary information about your loss, expenses, business interruption, and other items nessessary to obtain your settlement
Setting up and attending all meetings with your adjuster, the owner or representative of the loss regularly
Walk you through this process every step of the way
Public Adjusting Fee or compensation
Property insurance claims are complicated and very time consuming. The mistakes made during this process are very costly. Our services in just one of the coverage’s we handle in your loss generally covers the total expense of your fee. It is generally a small percentage of your loss or sometimes a set fee is determined. It is minimal in relation to your claim settlement and is offset by the increased settlement we historically collect. In addition to the time saved, less stress, and peace of mind. Our fee is based on your comfort level and customers have found that it was the best investment they could have made.