Your home just collapsed. Do you know the cause? When it comes to homeowners insurance and property damage, collapse is a peril up for interpretation. Our public adjusters are seasoned professionals in determining what you are truly owed from such a catastrophe.
As your policyholder advocate, we break down walls with your insurance company to get you the money you are entitled to from your claim.
A collapse can happen from sudden natural disasters like a mudslide or hidden causes that over time compromised the structural integrity of your home, such as insufficient construction methods and draining systems, decay, and infestation. Even heavy collection of rainwater on your rooftop could lead to roof damage and be considered a cause.
Still, your homeowners insurance policy may state exclusions or limitations related to these causes that could limit your coverage if you suffer collapse property damage. It can leave you vulnerable to an unreasonable damage assessment by your insurance company and its adjusters that will not get you what you deserve. That is why our team of public adjusters works on your behalf, bringing to the situation unmatched professional experience in claim management. We are fluent in your policy coverage, properly evaluate and document the extent of property damage, and negotiate your claim for the maximum amount so and your family can recover sooner.
Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
How much do I really need to know?
How can I minimize the emotional toll on my family?
How can I minimize the effect on my work/career?
How large an advance should I expect?
Is there anyone on my side?
How much time over the next several months will you need to put aside to handle your claim properly? How will all those hours affect your family? Your job?
What is the emotional investment that you will need to commit to the process?
Can you get paid for your time?
Are you entitled to an advance from the insurance company? What is reasonable?
What is your broker or agent’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
Are you familiar with the forms/practices below and what their request/issuance is telescoping? Request for a Proof of Loss. Reservation of Rights letter. Request for an Examination Under Oath.
What does it mean when the insurance company recommends a preferred vendor? Who is this vendor working for, really?
Contractors may tell you they can do what public adjusters can do. Can they really? What is their background and education in insurance? Are they bonded? In many states, like California, it’s even against the law!
What is the insurance company’s motivation in preparing a reconstruction estimate for you? The policy says it is your responsibility. Why are they willing to do it? How do they benefit?
What is the difference between functional replacement and true replacement? Should you care? Why?
How is actual cash value determined?
Can you do the repairs yourself? Are you entitled to the profit that a contractor would typically charge? Are you entitled to the overhead that a contractor would typically charge?
What are the benefits and the pitfalls of replacing your home vs. selling?
Do you have to replace on the same site? Can you buy or build elsewhere?
Can you collect code coverage allowances if you build elsewhere?
How quickly can you get started rebuilding?
Property Damage Losses Homeowners Claims Recovery Process
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
You and your team worked closely with my team of professionals that included the contractors, the engineers, the industrial hygienist, the remediation crews and most importantly, the insured (me) and guided us through this complex and at times, frustrating process. You are able to accurately assess the building loss as well as the loss from business interruption...You have efficiently and effectively negotiate on my behalf with the insurance company...The final insurance settlement was more than three times of the initial settlement offer of $500,000. I could not have accomplished this without your help. The best part is that all the insurance benefits were paid up front. Now the construction is completed, I am happy to say that I got almost a new office building, with more than 65% of the interiors and exteriors being re-done.
Mimi S. J. Hu, Principal
As you know, I started negotiating with their adjuster on my own after the loss occurred. That was perhaps the worst business decision I have ever made. I finally realized that I needed representation by someone who was an expert in insurance losses. By the time I engaged your services MSI had already had their own consulting engineer look at the building and had recommended a repair plan that was totally unacceptable. It took Adjusters International to undo that plan and negotiate the settlement to which we agreed. Based upon the offer to settle made by MSI before Adjusters International intervened and the one we finally accepted, the final settlement was nearly three times the original offer. Or to put it another way, I received an additional sum of money that was twelve times more than the fees Adjusters International charged me. That was a good investment!
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