What We Do
Types of Claims We Handle
Often times hurricanes will not only cause flooding but also cause catastrophic wind damage. Mold also becomes a problem after a hurricane, as water is allowed to sit for extended periods of time. We are professionals at sorting out these types of damage and will thoroughly document your claim so that it is presented in a clear manner to the insurer.
Whether you experience damage from a burst water pipe in the bathroom or a roof leak, when water damage occurs it is very important to contact us right away so an insurance claim can be filed quickly. Water damage can show up months or even years later in the form of mold or corrosion. Not only is the full extent of the damage difficult to document, but insurance companies also have explicit rules and strict claim filing deadlines.
Common sinkholes may appear as a slight depression in a lawn, a leaning tree or a fence post. When they occur underneath or around a house or building they can cause cracking of the interior walls, ceilings, floor slabs, and tiles. Sinkholes will cause damage to building foundations, exterior walls, driveways, and even pools and pool decks. While sinkholes are usually little more than a nuisance, they can cause substantial property damage and typically create significant insurance claim disputes.
People often think water damage and flooding are the same things. To the insurance company, however, they are very different. To be considered flooding, the water must have come from a river, lake, stream, or other natural sources. We will navigate your policy, fully evaluate your loss, and prepare a claim to get you the optimum amount to recover.
Fire & Smoke Damage
Fires are one of the most common and devastating events that can turn a property owner’s world upside down. Fires not only consume most things in its path, it usually leaves very little trace of anything that existed before the fire occurred. Fires also commonly include other damages from smoke, water, and corrosion that often go unseen. We make sure to identify all damages to maximize your claim.
Wind & Hail
Even if a property isn’t in the direct path of a tornado or hurricane, it can be damaged due to high winds and flying debris. In some instances, it can be difficult to spot damage from wind. Hailstones can be very damaging, and even the smallest can have a debilitating effect on a property. Typically, the majority of hail related damage is done to a roof.
Theft & Vandalism
Theft and vandalism are common and many property owners suffer great losses as a result. In addition to stealing valuable property, burglars can also break windows, safes, locks, and security systems. Vandals can destroy walls, plumbing, appliances, and more. While a police report usually suffices to prove the event occurred, ownership of stolen items may require extensive documentation such as receipts, credit card statements, and more to prove ownership and value of the damaged and stolen property.
Termites may be tiny, but they can cause huge damage to your house or business if you experience an infestation. Termites don’t just cause cosmetic damage. They eat into the internal structure of your property, including the support beams, floor joists, posts, ceiling joists, and wall studs. If you find superficial termite damage, chances are high that there’s more damage beneath. We can help navigate your termite policy, prepare the claim, and maximize your return.
Aviation insurance policies have specific terminology, conditions, and exclusions that either apply or limit coverage and are different from other insurance policies. When filing an aviation claim, a thorough analysis of the damages incurred and vast knowledge in the insurance claims and aviation industries are required. We can effectively manage all facets of aviation-related claims to secure a proper settlement.
If your boat, yacht, or vessel is damaged, filing a claim is unlike any other line of insurance. Financial losses can include much more than repairs to your boat. Our adjusters work only for you and consider all possible elements as we properly evaluate, document, and negotiate your claim for the maximum amount.
Contents Inventory Support
Our knowledgeable professionals will work with you in handling, identifying, and cataloging what was lost or damaged during a loss. We will help our clients walk through their property to create a comprehensive summary of their lost items. By offloading the inventory work to us, you’ll speed up your claim by minimizing the back and forth with your insurance company and relieve yourself of the burden of determining what was lost during a difficult time.
Public Adjusters Claim for Cast Iron Pipe Damage, Flood, Disaster
A public adjuster is an independent professional that a policyholder may hire to help settle an insurance claim on his or her behalf.
We are licensed professionals who work for individuals and businesses – not insurance companies – and can save policyholders a lot of money by ensuring that your insurance company is paying the full amount it is responsible for under the policy.
We are experts in the details and language of insurance policies, as well as at filing and adjusting claims. We work on a contingency-fee basis, which means if we do not recover on the policyholder’s behalf, nothing is owed to us.
New, Denied or Delayed Claims
We represent your interests in settling your property insurance claims.