AllCity Michigan Public Adjuster vrs. Insurance Adjuster Objectives: What’s the Difference?

How the Insurance Company Inspects For Damage

After the claim has been filed the insurance company will evaluate the damage. First, the insurer sends an adjuster to your property to inspect the damage. If it’s a smaller and simpler claim, then the insurer might approve the claim with photos or videos of the damage. However, for more complex claims the insurance company will dispatch an insurance adjuster. Keep in mind, the insurance adjuster's goal is to minimize the companies loss, maximize their profit, and pay you the amount legally required. Remember, the insurance company is a for-profit business. Moreover, their goal is to make money: not pay out more money than they need to pay. Additionally, they will pay out the minimum amount they are required to pay based on the terms of the insurance contract – nothing more.

How AllCity Michigan Public Adjusters Inspect Your Damages

While the goal of your insurance company is to pay you the legal amount, our goal is to max out your claim check. Moreover, in order to achieve this our damage inspectors work tirelessly on-site to photograph and categorize your assets properly. Furthermore, we look to maximize both repair costs and replacement costs. Last but not least, we don’t stop writing when we hit your policy limits. Most importantly, we dig deep. For instance, we look into your endorsements so we can grab extra monies. Remember, don’t throw anything away. This is because a thorough investigation of each item is required. With this in mind and through proper depreciation and item evaluation we prepare your claims final report.

If We Don’t Recover More – You Don’t Pay

Remember, as A Licensed Public Adjuster our fee is based on how much we can recover, we have an incentive to recover 100% of your claim value. Indeed, to achieve this we often times must rewrite the insurance adjuster's damage claim altogether. In fact, our investigations have turned up a lot of mistakes; for instance, under estimated repair costs, item price discrepancies, replacement value miscategorizations, and sometimes a blatant disregard to write in any endorsements, or code upgrades. As has been noted above, we won’t stop until we maximize your claim settlement. So Don’t Settle – Get More!

Get A Total Proof of Loss

AllCity Michigan Public Adjusters Build Fast, Compelling, and Compete Reports

After we have completed your damage inspection we will assemble a full report. In fact, our reports are detailed ranging in length between 20 pages for a small loss, to 200+ pages for a large loss. On the other hand, an insurance adjuster will stop writing when they hit your policy limits; However, our adjusters photograph and video every room to ensure a complete evidentiary review. As a result of our detailed and thorough investigation our forensic and engineering staff can represent your claim more accurately. In short, we will be able to more accurately create your proof of loss, code documentation, and line item lists to complete your full damage report. Most importantly, once we have filed our full damage report you can expect we won’t stop fighting until we get everything last cent.

Our AllCity California Public Adjusters Will Guide You Through the Entire Process

Lastly, we will sit down with you and go through everything. Again, we know this process is confusing and difficult. Let us earn your trust.

Why is a Strong Negotiator Important?

First and foremost, one wrong answer can get your claim denied. Indeed, this is why it is so important to have a powerful public adjuster on your side. AllCity Adjusting can stand in the gap. The insurance company will have their legal team posed and ready – you should too.

To demonstrate the importance of a strong negotiator let us create a character called William. Truly, many people like William call us everyday in similar situations. Namely, William called us to tell us that his claim was denied. Frustrated, he was passionate that his basement “FLOOD” was covered.

Misunderstanding Occur and Jargon Confuses

Furthermore, when the insurance adjuster came out initially the agent even said the damages were covered. Yet now, only one month later the insurance company had changed their mind; the most compelling evidence you might ask? Mrs. William even read to us his insurance policy subsection over the phone that stated he was covered for all “water damage to property.” Frustratingly, he continued explaining he was honest and didn’t understand why the insurance agency denied his claim. Surely what happened was a mistake – right? So – What was it? For one thing, William kept using the word “FLOOD”.

AllCity Understands Insurance Lingo and Policy Nuances?

In fact, did you know “flood damage” is a specialty coverage that is only part of a policy if you live in a flood plane. Moreover, you have to purchase it from FEMA? If you don’t have a FEMA flood policy, then you probably don’t have flood insurance. Chiefly, and most importantly, William had already gotten himself into hot water with the insurance company through something called policy misclassification.

How Did AllCity Public Adjuster Help

On a positive side, after looking closely at the denial letter we were able to move his case back to review status. Notably, we accomplished this by recategorizing the claim from FLOOD DAMAGE to the covered peril of “WATER DAMAGE”. To put it another way, small mistakes can have huge consequences. Moreover, a closer look at the chain of custody of his case revealed that the presiding agent, only 25 years old and new to the agency, didn’t understand the policy mis categorization rule and just took Mr. William at his word. In fact, it was William himself who, accidentally, using the wrong word, created the problem in the first place. As you probably guessed, this is just one of hundreds of examples of how important it is to have a good faith public adjuster in your corner when dealing with your insurance companies legal team.

Insurance Companies are Not Your Friends

As one listens to these types of stories everyday; it’s easy to see how honest hard working people can get taken advantage of by a highly technical system of categorizations and ignorance. There is only one solution. Ensuring you get a max settlement requires finesse, knowledge, and experience.

Here Are a Few Things to Consider:

Policy Misrepresentation. First, this typically occurs when the insured (that’s you) have said something and the insured (you) have misrepresented the policy. Remember, whether it is accidentally or not does not matter; you could come under investigation.

Policy Mis-Classification can cost you big. More specifically, this could occur if you have a claim for water damage to your basement walls and floors due to a pipe burst. If you were to tell the insurance company it was flood damage, in fact, you would be wrong; then, the insurance company would deny your claim. For this reason, it is important to remember that how the insurance agent classify the claim will determine whether or no it is covered. In short, don’t say anything – get a public adjuster to assist or do your research.

A Certified Michigan Public Adjuster Can Help You Settle Your Claim Much Faster

Latest Technology

First and foremost, as a certified Michigan public adjuster AllCity only uses the industries leading estimating software. In fact, Xactimate is more than just an estimation tool; additionally it was designed by the insurance companies for the insurance industry. While it may help insurance companies reduce claim costs, it gives us vital insight into their game plan and allows us propose strong counter claim estimates.

Fast Team Deployments

Additionally, in order to settle your claim with speed we deploy our teams faster. Getting in early to ensure rapid inventory loss cataloguing, forensic analysis, and engineering is vital to a fast settlement.

Dedicated Support Staff

Moreover, our dedicated staff can be deployed to assist you in filing your claim and getting a damage report within 2-3 weeks of the start of the claim.

400% Greater Deployment Speed Than Our Competitors

Furthermore, we pride ourself on our 400% response time efficiency when compared to our competitors. Whereas the average insurance company adjuster completion a claim estimate every 1-3 months ours time to estimation is a rapid 1-2 weeks.

Don’t Let Delays Hurt Your Pocket Book

Most importantly, ALE additional living expense is the extra money you get when your house is no longer livable. Since you have a limited exhaustible budget for your ALE you will want to utilize it as efficiently as possible. We can assist you in getting into temporary housing and help you turn around your claim with speed.

Remember, If you are in one of our service-areas we take pride in serving you. Most importantly, call anytime; we will answer our phones 24 hours a day 7 days a week because we understand that your life was just turned upside down. Furthermore, communication is core to our services. Whether it’s with the insurance company and our on the ground teams, we strive for 100% satisfaction guarantee.