Public Adjuster Services—Residential Insurance Claims
You just suffered serious damage to your home and you are wondering what to do next. You call your insurance company and wait for an adjuster to come out hoping they will have your best interests at heart. After all, they accepted your premium for years in a very nice way. Now you expect that they will “do the right thing.”
You will soon discover that you’ve moved from the asset side of your insurance company’s ledger (you paying your premiums on time) to the liability side of their ledger (they need to pay you for your damages). Often, the money they owe you now will far exceed any premium payment you paid or would pay in the future.
Knowing everything you possibly can about the “fine print” of your homeowners insurance policy before you have any substantial dialogue with your insurer is an absolute necessity. In order to get a full settlement, you must first know what you are covered for and how to claim it. What you say to your insurance company’s adjuster and how you say it can make a dramatic difference in how much you get paid. The more you know, the better the results.
Factors to Consider
When filing a residential insurance claim, there are many factors that need to be taken into consideration. To help you navigate the process, we have put together several talking points for you to review. Having a full understanding of each of the below bullet points is crucial to documenting, filing, and successfully settling your insurance claim. If any of these questions give you pause, please feel free to reach out to us for a no-cost discussion about your claim.
- 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?
Additional Items to Consider Close
Additional Living Expenses (ALE)
What Do You Need To Know?
For decades, homeowners facing property damage have turned to The Greenspan Co./Adjusters International to help them rebuild their lives. As public adjusters, we work for you, advocating on your behalf, and never for insurance companies.
Would you go to court without a lawyer? Or run a business without an accountant? Recovering from a disaster can be difficult and overwhelming. Add to this a complex insurance policy with vague language, coverage questions, and the need to prove every detail of your loss to the insurance company. It soon becomes clear that you could use experts at your side.
Public adjusters are the only category of insurance adjuster who works exclusively for you, the policyholder. It’s important for you to know what questions to ask of a public adjuster so you can distinguish an established and trustworthy firm, such as The Greenspan Co./Adjusters International, from all the others.
What will The Greenspan Co./Adjusters International do for you?
It is your responsibility to prove your claim in order to get compensated for your damages. When a disaster occurs, the insurance company has adjusters, building engineers, claims managers and supervisors, all representing their interests. Who do you have representing yours?
With a staff that includes licensed public adjusters, building estimators, inventory specialists, and accountants, we have the resources and expertise to help you get everything you are owed under the terms of your insurance policy. We bring local knowledge and a strong commitment to personalized client service to each and every property insurance claim.
We will provide some or all of the following services:
- take the time to explain every question outlined above;
- conduct a comprehensive review of your homeowners policy;
- assist you in complying with your policy’s requirements;
- maximize your financial recovery with a proactive claim management strategy;
- conduct a thorough evaluation of your loss, carefully researching, detailing and substantiating every aspect of your claim;
- present and support an itemized claim package to your insurer;
- work as your advocate at all inspections and meetings with your insurance company;
- secure the best possible settlement in the shortest possible time frame; and
- communicate with you every step of the way.
A company is only as good as the references it can share with you. Our references list boasts over one thousand residential references. Check our references today. And then Contact us to get more information on how we can help you through your claims process.
Where are we located?
The Greenspan Co./Adjusters International’s public adjusters have offices in Los Angeles, San Francisco, Orange County, Sacramento, San Diego, San Jose, Santa Barbara and Pleasanton, California; Las Vegas, Nevada; and Phoenix, Arizona along with a focused presence in The Sierra Nevada and California’s Central and Imperial Valleys.