Areas of Practice
Hurricane and tropical storm damage claims
Tornadoes, hurricanes, and thunderstorms are all accompanied by highly destructive wind forces. The damage they cause are often obvious but this is another case of a peril that may cause structural damage that requires an experienced professional to investigate. A Public Adjuster has the expertise to investigate and document damage beneath the surface.
Theft and vandalism claims
The loss from theft and the damage from vandalism are often accompanied by a sense of violation due to the nature of the loss. A Public Adjuster is ready to take ownership of the process for you. We’ll gather police reports, get a valuation of the loss, and work with you to prepare your claim.
sinkhole damage claims
A sinkhole may appear simply enough as a crack in a wall or out of square door jam or window. It’s easy to ignore and you may question whether or not it’s always been there but if it’s a sinkhole it will get worse. Your Private Adjuster can provide the professional service to investigate this peril.
Water and Flood Damage Claims
In insurance contract language there’s a significant distinction in flood damage. A flood is caused by rising waters and most policies do not cover it. Water damage has many sources and it is not the surface damage that is the problem. We investigate beneath the surface to get a true assessment and is reflected in our thorough damage estimates.
Fire Claims
The damage caused by fire extends far beyond the obvious damage. There is smoke damage as well as loss of property. In the course of putting out the fire the water used will cause damage. A skilled and comprehensive investigation is necessary to prepare a claim for your insurance company.
Business Interruption Claims
Business Interruption insurance coverage is often viewed as the most difficult coverage to adjust. It is for the most part tied to a loss at a physical insured location (a building or buildings) and involves determining a dollar amount of earnings of a business including continuing expenses that did not occur because of the loss.
Lightning and hail claims
Thunderstorms can cause damage to homes, businesses, and other property. Wind can damage structures, lightning can cause fires, and hail can cause considerable damage to homes and businesses. There is a significant amount of forensic investigation associated with these types of claims that touch on many different modalities such as meteorology to prove what happened.
Contamination claims
Some homeowner’s insurance policies will cover the cleaning and decontamination of biohazard contaminate and damage resulting from a suicide, unattended death, crime, accident, medical emergency, and infectious disease. In specific instances a Public Adjuster can take over this process for you as it can be a very traumatic experience.
appraisal and mediation services
When policyholders and insurance companies have a disagreement regarding the cost of repairing or replacing damaged property there may be a way for policyholders to dispute their insurance company’s offer. It is to invoke the appraisal clause or mediation which is their right according to their insurance policy. When conducted properly, appraisal or mediation can be a very effective alternative dispute resolution option. However, not all insurance policies contain an appraisal clause and is dependent on multiple factors to each individual claim.