Damages and Disasters We Handle
We manage our clients' immediate needs following a loss, creating a plan for recovery that includes a thoroughly-researched insurance claim framed by our expertise in insurance industry practice and law.
Property Claims & Recovery
If you have recently experienced property damage or loss, we’re here to help.
We understand the care and attention necessitated by property damage or loss. We pride ourselves on our industry knowledge and ability to address the unique needs of each of our clients. When you reach out to us, we'll provide an initial assessment and help you understand your options.
Planning & Protection
No one can predict the future, but we help our clients mitigate their risk.
Drawing on our experience with insurance claims and loss recovery, we provide our clients with what they need to know in case of damage or disaster. Our preparation includes assessing coverages, documenting property, and creating plans to recover from unforeseen eventualities.
We understand your needs.
We are known for our careful attention to detail and for understanding the unique and often custom-made or maintained aspects of luxury properties, fine art, or collections of value. Our network of mitigation, repair and restoration professionals are sensitive to the preservation needs of fine homes and objects.
We make it easier.
Our goal is to streamline and manage the recovery and claims process, communicating proactively and minimizing delays and surprises. We take the burden off of your shoulders, moving quickly to document the full scope of damages, audit coverage, and create a strategy tailored to your needs for a full and fair recovery.
We represent you.
Working with a public adjuster means having a representative who works exclusively for the insured--not insurance companies. Insurance policies are complex and underpayment is all too common. We avoid costly pitfalls and ensure a claim that is fully researched and presented in a way that results in full and fair compensation.
Condo and Co-op FAQs
-
How do Public Adjusters help condo or co-op property owners?
-
How can a Public Adjuster help Property Managers?
Homeowner and Renter FAQs
-
What does a Public Adjuster do?
A Public Adjuster, also known as a Public Insurance Adjuster, helps homeowners and businesses recover from disasters or damage to their property or business. Public Adjusters are experts in preparing, managing, and negotiating insurance claims, giving policyholders and their representatives the resources they need to be in the best possible position for recovery.
-
What is the property claims process?
The property claim process begins when the policyholder files a claim with their insurance carrier. The carrier conducts an investigation of the damages and claims made, and will deny coverage or make an initial offer for settlement.
If coverage is provided, the claim proceeds from assessing and quantifying damages (structural, loss of use, personal property, etc.), leading into a negotiation with the insurer and their representatives to come to an agreement of the fair value of those losses. This process involves evidence such as estimates, appraisals, or other documentation to make their case for compensation.
Securing a fair outcome from a claim requires the ability to fully understand and quantify damage and to effectively and accurately present that damage at each step of the process. This includes determining the value of the lost items or loss of use, assessing and presenting the cost of repairs and replacement, and factoring policy provisions, such as applicable deductibles.
When a claim is not settled through this process, parties may proceed to alternative dispute resolution, either through arbitration or, in the worst case, in a law suit. A policyholder's case is often reliant on file preparation and testimony of a Public Adjuster.
No matter what happens during the property claim negotiation process, all parties involved must work together and act in good faith to reach an equitable and fair agreement for everyone involved. With the help of a good Public Adjuster, policyholders can be sure that their interests are being represented, that claims are made accurately and with the necessary documentation, and that they have access to all the information they need for a favorable settlement. Having a Public Adjuster involved from the beginning can often avoid a lengthier process--a good Public Adjuster will present a fair and fully-documented claim initially.
-
Why hire a Public Adjuster to obtain what is rightfully due to me?
Insurance companies offer to pay the amount due as they see it. They and their representatives use assessment tools that they approve, often without regard to the details and circumstances of a particular case.
Public Adjusters are the exclusive representatives of policyholders. With their experience and knowledge, they can better obtain the right assessments and services needed for a favorable adjustment for the insured. The National Association of Public Insurance Adjusters (NAPIA) is a national organization that can provide background information and references for public adjusters.
-
When should I report a loss to my insurance carrier?
A public adjuster can help you to understand your coverage, your requirements, and the obligations of your insurance carrier, including the requirements of reporting your claim. A good Public Adjuster will ensure that the policyholder meets requirements for emergency mitigation set by their policy, and will take the steps necessary to document and prepare a claim.
When filing a claim on your own, be sure to keep a record of all insurance company phone calls, emails, and other correspondence, in case this documentation is needed should a dispute arise. A policyholder should report a loss in a timely manner if they believe they may need to make a claim immediately or in the future, and should not speculate about causes of losses or the extent of damage without expert consultation or evidence.
-
What steps should I take if I suffer a property damage or loss?
The best first step is to consult with a Public Adjuster to understand coverage, requirements, and the obligations of your insurance carrier, including the requirements of reporting your claim.
A good Public Adjuster will ensure that emergency mitigation is completed and documented as required, and that you understand and coverage under your policy. As they prepare your claim, they can help find the resources you need to ensure a full recovery. They act on your behalf to negotiate with the insurance carrier, working to ensure a fair settlement.
