Written by Andy Gurczak

October 13, 2021

Maximize Your Property Damage Insurance Settlement

Maximize Your Property Damage Insurance Settlement

If your home or business suffered property damage in a storm or other event, this may be the first time you will file a property damage claim with your business or homeowner’s insurance company. So for a small claim, you may want to deal directly with the insurance company adjuster and the company rep. However, for large claims, you may want to hire a public insurance adjuster. A public insurance adjuster can expedite the filing of claim forms and assist you during the claim process. In addition, you can maximize your property damage insurance settlement with a public insurance adjuster.

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What is a Public Insurance Adjuster?

A public insurance adjuster, also called a public adjuster, works for the insured property owner. Moreover, a public adjuster is state-licensed. Therefore, property owners hire a public adjuster when they want to be sure that their insurance company will treat them honestly.
 
 
On the other hand, your insurance company will send out an insurance company claims adjuster to inspect the damage to your home. That adjuster is a paid employee of your home insurance company.
 
 
Otherwise, the insurance company may send an “independent” adjuster. That adjuster does not work directly for the insurance company. For instance, he may work on his own or for a public adjuster firm.
 
 
Regardless, he only works for insurance companies-never property owners. Thus, he gets paid by the insurance company for his work.
As a result, if you file a home insurance claim with your carrier, the carrier and the company’s adjuster will try to settle your claim for as low as they can. Nevertheless, it does not mean that they are trying to cheat you; it just means they will try to save the insurance company as much money as they can.
 
 
That is why, for large or complicated claims, insureds may want to hire a public adjuster to maximize their property damage settlement.

What Does a Public Adjuster Do?

A public adjuster will know the details of your insurance policy. Therefore, he will know what is covered by the policy and what is not. Moreover, he will know what the policy limits are.
 
 
For instance, there will be limits involving claims for additional living expenses. He will know what you can claim for and how much.
 
 
In addition, there are limits regarding personal property such as jewelry, artwork, antiques, etc. As a result, he can let you know how much the carrier will pay for the loss of or damage to those items.
 
 
A public adjuster will complete a complete inspection of your damaged property since he knows how buildings are built. He also knows the damage that fire and water can do to a home or building. Consequently, he will look for damage in places you did not think of.
 
 
A public insurance adjuster is your advocate. He can expedite the homeowner’s insurance claims process. In addition, he knows the type of information the insurance company wants during the claims process. He will help you collect that information. And, he will prepare a home inventory of damaged or lost personal property.
 
 
The information, such as photos of damaged property, receipts for the purchase of damaged items, etc., will support your claim and make the claims process go smoother and faster.
 
 
Insurance companies use estimator software to evaluate claims. Public insurance adjusters have access to the same software. However, your public adjuster goes beyond a software “one size fits all” program. He will show the insurance company why your claim is worth the value that you and the adjuster put on it.
He will maximize your property insurance settlement.

You Can Maximize Your Property Damage Insurance Settlement with a Public Insurance Adjuster

You can bring a public adjuster into the claims process at any point. You can get an adjuster immediately after the loss. He can help you prepare and file the damage claim with your insurance company.

You can also hire a public insurance adjuster after the insurance company makes a settlement offer. You may feel the offer is too low. Perhaps the insurance company denied coverage for parts of your claim.

In any event, a public adjuster can jump in to help. Once the public adjuster has submitted his report to the insurance carrier, he can negotiate a settlement on your behalf.

He will also periodically call your insurance company to find out the status of your claim.

Most people have little experience negotiating with professional people over large ticket items, such as repairing a roof, replacing expensive carpeting and woodwork or rebuilding a house with a large tree resting on it.

But public adjusters do. In fact, they do it often. Probably several times a week.

In short, the public adjuster will know what is in your insurance policy. He will have a complete understanding of the damage to your property.

He will also know what it will cost to repair or replace your property.
He will be your advocate in settlement negotiations with your insurance company.

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Get Help from a Public Insurance Adjuster to Maximize Your Property Damage Insurance Settlement

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

Insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive adjusters to ensure they maintain a strong profit margin. Additionally, they have experienced actuaries that create insurance agency guidelines that help their team of agents to challenge your insurance claim’s validity.

We understand that you have already gone through a tumultuous event. For this reason, get an agency that gets you more.
At AllCity Adjusting we work to ensure you get 100% of your claim value. Equally important, with over 50 years of combined adjusting experience, we know insurance companies. Furthermore, we understand where they cut corners.

Moreover, we help you build a larger claim and maximize your claim value. In short, we get you back to normal fast. Don’t get fooled, get the company that gets you more.

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Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

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Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

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