CALL 201-337-0611
RESIDENTIAL CLAIMS
(Homeowners, including co-ops, condos, owner-occupied multi-family dwellings, etc.)
Public adjusters specialize in all aspects of residential property insurance claims.
This includes:
• Dwelling
• Other Structures (Unattached garage, shed, etc.)
• Contents / Personal Property
• Additional Living Expenses and Loss of Use• Debris Removal
• Local laws that require upgrades after the loss
• And many more
You may wish to consider the following as well:
a). It may not be in your best interest, or in your contractor's best interest, for them to attempt to negotiate with the insurance company about what will be repaired or replaced, particularly if reduced payments are discussed.
b). You are entitled to the actual value of the loss, even if you are able to hire a contractor that will do the work for less.
Some of the applicable terms that you may need to know if you go it alone:
ACV (actual cash value), RCV (replacement cost value), Guaranteed replacement cost, ALE (additional living expenses), LOU (Loss of Use), POL (proof of loss), Code Upgrade, Coinsurance, Period of Restoration, EUO (examination under oath), etc. Policies can have "endorsements", "floaters", "riders", etcetera, and, for example, coverage can be listed on one page and then excluded on another.
The claim process can be very confusing too.
The insurance company adjusters are hired to interpret the policy and the applicable laws according to guidelines which serve their best interests.
The vast majority of homeowners are not sufficiently familiar with the insurance policy, let alone the related requirements and roles associated with filing a claim in the proper and/or most beneficial manner. An experienced and qualified public adjuster is equipped with the knowledge needed to get the job done.
ARE YOU EQUIPPED TO GO IT ALONE?
CALL TODAY FOR A NO-OBLIGATION CONSULTATION!
CALL: 201-337-0611
