Every Homeowner Needs This Knowledge—Claim or No Claim

Regardless of the nature of the loss, each peril possesses its own categorizations, dictating distinct approaches to mitigation. Mitigating a fire differs from addressing water damage, and dealing with a puff back involves more than mere wall cleaning. While the term "mold" may instill fear in homeowners, insurance companies view it favorably, as it imposes limits or denials based on policy language. Accurate classification of causes of loss is crucial. Many home backups are misidentified; they are often mainline blockages, a covered peril, while true backups, originating from a septic tank or sewer, have specific limitations. Precision in terminology affects the classification of the loss, making it challenging to alter without justification from a licensed plumber or contractor.

Regardless of the damage type, comprehensive explanations are available on our site, applicable to claims of any size. Even for small claims under $5000, understanding this information is crucial for the possibility of a future claims. Appreciating the implications of making a claim possibly effecting your rates, the risk of being dropped, and its impact on future insurance carriers is vital. Our site offers information not readily available from a single source, emphasizing the importance of being well-informed for your insurance journey.

I am a Public Adjuster, and I want to make it clear that you don't necessarily need these services to handle matters with your insurance company. While hiring a Public Adjuster can be advantageous for complex projects or coverage issues, in simpler cases, it may just lead to unnecessary expenses that could be better utilized for your home repairs.

The details I'm about to disclose are not typically revealed by Public Adjusters, as they illuminate facets they prefer to keep concealed.  For Instance: In an unfortunate incident like a fire, once the safety of your loved ones is assured, it is crucial to promptly notify your insurance company. By "immediately," I mean that while the fire trucks are still on the scene, you should already be placing a call to your insurance company. Keep in mind that within a 500-foot radius in any direction of those fire trucks, there is a flurry of Public Adjusters and insurance company vendors eager to gain your attention. In some towns, it is prohibited for them to approach you until all first responders have left the scene. Unfortunately, this is not the case in most areas. These individuals will attempt to capitalize on your distress, anxiety, misfortune, and your uncertainty about what to do. They will exploit these emotions to persuade you to sign a contract with them while you are under duress. They claim to know how to handle your insurance company, asserting that the carrier will attempt to disadvantage you in terms of coverage. They assert that they are the best choice for your current situation. Even if you manage to avoid signing a contract at this stage, you will likely receive calls on your cell phone from unfamiliar individuals attempting the same. In all the circumstances I have just mentioned, I strongly advise against signing a contract with anyone without making an informed decision. The only scenario in which you truly need a Public Adjuster is if you encounter problems with your carrier regarding coverage or face difficulties with them. While Public Adjusters often portray carriers as problematic, the reality is quite the opposite. Carriers typically provide a repair scope, most likely from a builder they have hired. However, the competency of this scope may be questionable, and certain details may be omitted. This is why it is essential to hire an estimator familiar with how insurance companies draft their estimates.  Regrettably, acquiring the services of an estimator presents challenges, as engaging one typically involves contacting a contractor. The subsequent steps in this process can lead to various outcomes. Initially, it's likely that the contractor will refrain from providing an estimate unless a contractual agreement is established for the entire project. Such contracts often include clauses stipulating that cancellation will incur charges for the estimate. Consequently, if your intention is solely to obtain an estimate, this could become a costly endeavor. While everything comes with a price and value, many contractors impose a fee of around 10% of the total amount sanctioned by the insurance carrier. In comparison, a Public Adjuster would have charged a similar fee, making their services potentially more beneficial in this scenario. 

Relying on the proficiency of the person creating the estimate introduces a common challenge across the industry. The quality of an estimate often hinges on the estimator's expertise, and their familiarity with specific tasks, such as drywall and painting, may not necessarily extend to other areas like finish carpentry or electrical work. Consequently, there is a risk of overlooking essential components of the scope, and this oversight may go unnoticed. The accurate determination of scope is paramount in the claims process, impacting the financial aspect of repairs. Without a comprehensive understanding of what can be billed or the items that merit charges, there's a potential financial loss in the repair process.

 Deciding whether to pursue appraisal for a reevaluation of estimates also places reliance on the experience of the individual crafting the estimate. Achieving accuracy in the initial estimation is crucial, as the reevaluation process may lead back to the same challenge of individual expertise. The presentation of the estimate requires a nuanced approach, considering that each individual may respond differently. Drawing on our extensive experience, which encompasses not only managing construction but physically doing the work in all phases of the construction process, we have refined our expertise over 35 years in the construction field and 25 years in the insurance industry. This cumulative experience assures a high level of confidence that we seldom overlook any components within the scope owed to the insured during a loss.

Key points to remember: Public Adjusters and contractors may try to pressure you into signing contracts, but these steps are unnecessary. This site provides the tools you need to navigate the process without relying on them.

Keep in mind that opting for a Public Adjuster is all about convenience. It involves more than just assigning a monetary value from the outset; you must substantiate the figure and engage in negotiations. In my experience, a significant number of Public Adjusters tend to exaggerate claims, an unprofessional practice aimed at securing higher payouts. However, if you diligently prepare a repair estimate, there's no need for such embellishments to obtain the necessary funds. This platform provides an experience where, for a nominal fee, investing time and effort in researching and educating yourself becomes worthwhile. This way, you can make informed decisions that best suit you and your family.

Navigating the challenging reality of the insurance industry demands careful consideration of various perspectives on handling losses. In this sector, cultivating relationships is pivotal, particularly for Public Adjusters like myself who stand on your side. Our shared objective is securing what you rightfully deserve, although our individual approaches may differ. Over time, reputations play a crucial role, especially when dealing with the same adjuster for subsequent losses. The manner in which you approach the process dictates its speed and resolution—whether efficiently settled or prolonged, potentially leading to appraisal.

Unfortunately, time constraints often hinder a thorough background check of vetting and hiring a Public Adjuster. The decision is often based on verbal communication, assessing conviction, and gauging credibility. Some Public Adjusters adopt an approach of throwing everything at the wall, settling for what sticks, potentially resulting in inflated claims to double the amount paid or more than what is genuinely owed. While this may seem advantageous initially, it can tarnish the adjuster's reputation over time, prompting adjusters to dismiss their estimates and resort to appraisal, further delaying claim settlements.

The temptation to choose a Public Adjuster who operates this way is a choice, however, our extensive experience suggests a more prudent path. Having repeatedly dealt with the same adjusters, they have come to trust the accuracy of our claims, resulting in minimal adjustments or straightforward approvals. We prioritize ethical practices, ensuring that claims accurately reflect losses without exploiting insurance companies or enabling homeowners to profit from their claims.

Ultimately, the decision rests with you. If you seek competence, industry knowledge, and familiarity with insurance company protocols, our proposition is straightforward.  Choosing our services means adherence to ethical standards, accurate claims, and the freedom to decide on contractors without influence. This is a suggestion to leverage the information on this site for an informed decision, potentially saving fees and avoiding undesirable contractual entanglements.  If you decide to get an estimate written by us then we will also tell you the differences of utilizing then small contractor that operates out of their home vs the large corporation with a large overhead.  This will play into your decision for who you use to repair your home.  How we prepare and present your estimate to the claims adjuster will allow you to choose either way between the contractor who operates out of his home or the large corporation. 

Navigating the challenging reality of the insurance industry demands careful consideration of various perspectives on handling losses. In this sector, cultivating relationships is pivotal, particularly for Public Adjusters like myself who stand on your side. Our shared objective is securing what you rightfully deserve, although our individual approaches may differ. Over time, reputations play a crucial role, especially when dealing with the same adjuster for subsequent losses. The manner in which you approach the process dictates its speed and resolution—whether efficiently settled or prolonged, potentially leading to appraisal.

Unfortunately, time constraints often hinder a thorough background check of vetting and hiring a Public Adjuster. The decision is often based on verbal communication, assessing conviction, and gauging credibility. Some Public Adjusters adopt an approach of throwing everything at the wall, settling for what sticks, potentially resulting in inflated claims to double the amount paid or more than what is genuinely owed. While this may seem advantageous initially, it can tarnish the adjuster's reputation over time, prompting adjusters to dismiss their estimates and resort to appraisal, further delaying claim settlements.

The temptation to choose a Public Adjuster who operates this way is a choice, however, our extensive experience suggests a more prudent path. Having repeatedly dealt with the same adjusters, they have come to trust the accuracy of our claims, resulting in minimal adjustments or straightforward approvals. We prioritize ethical practices, ensuring that claims accurately reflect losses without exploiting insurance companies or enabling homeowners to profit from their claims.

Ultimately, the decision rests with you. If you seek competence, industry knowledge, and familiarity with insurance company protocols, our proposition is straightforward.  Choosing our services means adherence to ethical standards, accurate claims, and the freedom to decide on contractors without influence. This is a suggestion to leverage the information on this site for an informed decision, potentially saving fees and avoiding undesirable contractual entanglements.  If you decide to get an estimate written by us then we will also tell you the differences of utilizing then small contractor that operates out of their home vs the large corporation with a large overhead.  This will play into your decision for who you use to repair your home.  How we prepare and present your estimate to the claims adjuster will allow you to choose either way between the contractor who operates out of his home or the large corporation. 

Public Adjusters: These individuals will attempt to capitalize on your distress, anxiety, misfortune, and your uncertainty about what to do. They will exploit these emotions to persuade you to sign a contract with them while you are under duress. They claim to know how to handle your insurance company, asserting that the carrier will attempt to disadvantage you in terms of coverage. They assert that they are the best choice for your current situation. Even if you manage to avoid signing a contract at this stage, you will likely receive calls on your cell phone from unfamiliar individuals attempting the same. In all the circumstances I have just mentioned, I strongly advise against signing a contract with anyone without making an informed decision.  This can be explained in more detail within the site.

Contractor carrier venders: Insurance carriers carefully evaluate and approve service providers to assess and carry out repairs based on the coverage outlined in your policy. However, potential conflicts of interest may arise depending on the timing of the vendor's presence at your home in relation to the adjuster's visit. It's important to determine whether the vendor arrived before or after the adjuster, as this sequence can impact the objectivity of the assessment.

Vendors include construction contractors, content handlers, inventory specialists, and mitigation experts. They are beneficial as they are affiliated with insurance carriers. Nevertheless, it's crucial to keep in mind that these vendors receive business from the same insurance carriers, which could influence the accuracy of their estimates and the scope of work.

The tactic employed involves acting as an intermediary between the insurance carrier and the vendor to negotiate a mutually agreeable price. However, this close relationship sometimes results in a compromise of the scope, and depending on the vendor, corners may be cut to compensate for this compromise.  This can be explained in more detail within the site.

Contractor Non-venders within the insurance industry:  A remediation contractor not affiliated with any carriers is dedicated solely to serving the homeowner/insured. Their primary goal is to diligently address every aspect of the scope, ensuring accurate and policy-covered scope. Possessing a strong comprehension, or dare I say, a superior understanding of justifying their scope, a non-vendor contractor stands out as an optimal choice, free from any conflicts of interest.  The non-vendor can hold their ground firmly and refuse to compromise on estimates. They can insist on a moving to appraisal, if necessary, without the concern of jeopardizing potential future projects, unlike a vendor. However, the trade-off for this decision is an extended wait for estimate approval, and although the carrier can communicate with the non-vendor, they are not obligated to do so.  This is explained in more detail within the site.

Contractor: Choosing the contractor as the primary decision-maker for your estimate is not advisable. They typically lack experience in the field of insurance and may not comprehend how insurance policies cover claims. If your contractor quotes a price significantly higher than the adjuster's estimate, the adjuster is unlikely to approve the higher amount. Even if the contractor's scope of work aligns with the adjuster's estimate, the contractor might struggle to provide a detailed breakdown justifying their numbers. Consequently, the adjuster may only approve the smallest scope, potentially overlooking items you are owed for. While the contractor's estimate may be accurate, without knowledge of the insurance company's program, it's challenging to present a breakdown that aligns with their criteria.  This can be explained in more detail within the site.

Why you don’t need a Public Adjuster: Based on 25 years of experience in the insurance industry, it's evident that Public Adjusters often prioritize their own interests. The information on this site is crafted to empower you to handle the process independently. Hiring a Public Adjuster becomes necessary only when issues arise with your insurance carrier.  Meaning the carrier becomes difficult.  They can also speak utilizing the language of your policy.  This your contractor/estimator is NOT allowed to do unless they posse an adjuster’s license or they are a lawyer. They prove valuable in expediting a delayed process or if you're dissatisfied with the amount estimated by the insurance adjuster. While the goal is fair compensation without external help, the reality often falls short. Employing a Public Adjuster doesn't guarantee more money; it merely relieves you of the stress of managing the claim yourself. In the end, the payout hinges on your contractor/estimators estimate, and Public Adjusters lack the expertise to determine the true extent of owed tasks, thus relying on the contractor's figures. Ultimately, they can elevate the amount, yet pursuing the claim independently on your own initially might yield a comparable outcome.

Here is an important item to remember.  If you are patient, you can always wait for your carrier’s adjuster to send over an estimate for your approval.  You then can then review it or take it to your contractor and see if you are being paid fairly.  If not then hire a PA to step in.  Most insureds don’t know that this is the best way to make an informed decision without the use of this site or a PA.  You will be led to believe that your carrier is incompetent and will not pay you a fair and reasonable amount for your claim but that is not always the case.  Remember the state that you live in.  Some states a PA’s fee is in addition to what is negotiated for the claim.  In most states it will be reduced from the amount you receive. Putting that into perspective if you have a $50,0000 claim, 10 to 20 percent of that will go to the Public Adjuster.  It may not seem much however if you have a high deductible, it will play a major part in the decision.  If you hire a PA right at the beginning you will not be able to make that decision.  It is very difficult to take this into consideration at the time of a claim.  Stress and anxiety will be taken advantage of as you are very overwhelmed.  That is the reason for the aggressiveness in the very beginning made by not just PA’s, but venders & non-venders to sign with them in the very beginning.  So the small fee that is charged to use this site is more valuable to you then signing with a PA.