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This is a common question we all ask ourselves and the answer is simple. It could cost you thousands of dollars, and here's why. From the start of any claim, the insurance company makes a dollar evaluation for each loss at the time the property is first inspected. This is called setting a "reserve" and it is an absolute requirement in most states. The adjuster bases the "reserve" solely upon his or her initial inspection, your knowledge of the loss, and additional information you may or may not remember to tell him. In complex claims such as suspected arson or theft, the adjuster is really on a fact finding mission and many individuals will find themselves as the primary suspect until proven otherwise. The adjuster is hired and paid by the insurance company and their focus is how to best protect there employer. Unless some agreements are made initially regarding the scope of loss and what is to be done next (such as temporary repairs, temporary business or living quarters, cleaners, etc...), serious problems could arise that may jeopardize the final settlement figures and even lead to the denial of your claim.
Accredited Public Adjusters will also help eliminate the possibility of "misunderstood statements" or "forgotten items" that may have been overlooked by you or your insurance company adjuster. In the case of a suspicious fire/arson claim, Accredited Public Adjusters can assist the client in securing experts to help disprove the arson theory and prove the innocence of their clients. If you have suffered a fire and the cause has been ruled suspicious then you more than likely already know you’re in for the fight of your life. If this is the case, you need our help "NOW". Waiting could be costly on your part.
To avoid misunderstandings, long delays and reduced settlement amounts, it is wise to hire a professional company lsuch as Accredited Public Adjusters to deal with all possible problems before they occur. Your Insurance company or one of their adjusters may say hiring a Public Adjuster should be your last resort, but I think we have answered why they may feel this way. A Public Adjuster should be hired immediately to protect your interests much like you would immediately hire an attorney after being involved in other types of claims, such as automobile or personal injury accidents.
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Will my loss be settled quicker with the services of Accredited Public Adjusters?
Accredited Public Adjusters knows exactly what is necessary to provide to the insurance company in order to expedite the settlement of your claim. Having our professional Public Adjusters handle your loss can save a great deal of time. Your insurance policy is a complex legal document, and "you the policyholder" have many duties and responsibilities that you are contractually obligated to perform in the event of a claim. Any mistakes (based upon your lack of knowledge) made can only delay the claims process and possibly complicate a successful settlement. Inspections are done immediately, estimates are prepared, inventories completed, and time elements losses are implemented. Accumulation of evidence and substantiation begins without delay. With your cooperation, we will quickly have your claim filed and the settlement process under way. The longer you wait, the more you stand to lose, remember "No settlement" can or will be made without "your prior approval". Accredited Public Adjusters will provide you with the peace of mind knowing that you have a team of experts, licensed adjusters, engineers, construction consultants and financial consultants supporting your claim and leading the way. We will keep you informed and MOST IMPORTANTLY in control of your claim. We will assist you in securing your property and conduct a complete forensic evaluation of all of your damaged property. We will document the full extent of your loss by reconstructing bills and invoices, compiling photographic evidence and the use of outside experts to support your claim as needed. Professional and scientific documentation of your claim package by our team of experts will prove to be the utmost importance in order for you to receive the highest legitimate settlement. |
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Some of the benefits to hiring Accredited Public Adjusters as your representative are these very important and time intense procedures.
- Complete a precisely detailed estimate of what is required to repair or rebuild your premises.
- Assist in the preparation of inventories on your damaged personal or business property, contents, and related items. With your help in providing correct documentation, and determining ages and descriptions, Accredited Public Adjusters can evaluate and determine the approximate current values.
- Prepare your Time Element Losses, such as Business Interruption, Loss of Rents, or Additional Living Expenses.
- Establish a professional line of communications with the insurance adjuster.
- Present estimates, inventories, and other valuations to the insurance adjuster.
- Meet with the insurance company to adjust your claim fairly and equitably, thus resulting in an acceptable settlement to you.
- Accredited Public Adjusters works for you; on your side, to achieve these results.
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