If you want to be protected when you suffer water damage to your most prized possession then you need to hire a public adjuster. Unlike the insurance company’s adjuster, a public adjuster is hired by the policy holder to assist with negotiating and settling your water damage insurance claim in Charleston, Columbia, and Mt. Pleasant South Carolina.

Water damage can be caused from a number of different sources. On average, policy holders in Charleston, Columbia, and Mt. Pleasant South Carolina are uncertain of the steps to take after you experience water damage to your home or business. Water damage can be caused from a pipe break or burst, from an overflowed toilet, from a fire, hail damage, or from a flood or hurricane, among other things.

Having knowledge and experience with property damage and water damage claims is imperative, especially when Personal property or loss of use is involved. Make sure you have the representation you need to get the maximum amount for your water damage insurance claim. Contact us today for a free claims evaluation

What we do for you:

• Document Property and Contents Damage
• Maximize your insurance claim and minimize your stress
• Negotiate the insurance claim for necessary repairs or replacement for the loss
• Provide detailed estimates for the loss
• Reopen denials and ensure proper reimbursement
• Residential and Commercial Claims

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Call for a Free Consultation today

Hail Damage Claim Experts

Throughout the hail season this year, we have seen numerous reports of hail throughout the US. As many have experienced, hail can be one of the most damage components of a thunderstorm leaving houses and cars devastated with damage. How does hail form? Why do some parts of the US get more hail than others.

The Formation of Hail

Hail forms when tiny pieces of ice, are kept in the air by strong updrafts, get blown through freezing thunderclouds until they are heavy enough to fall to earth. Most large thunderstorms create some hail, but the proper conditions must be present for the hailstones to grow large, freeze solid and then survive until they reach the ground.

Think of a hail stones like multiple layers of ice. The larger the hail stone the more layers will be found. If the thunderstorm is cold and windy enough, this ice pieces will accumulate layers of ice the way a dipped candle accumulates layers of wax. The hailstone is tossed upward and downward allowing it to accumulate more layers especially if the updraft is stronger.

We help with other claims besides hurricane damage!

Types Of Damages

• Storm Damage
  • Hail/Wind/Water
  • Hurricane
  • Tornado
• Fire Damage
• Water Damage
  • Pipe break
  • A/C Leak
  • Dishwasher Leak
  • Mold Damage
• Theft/Vandalism Damage

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What is a Public Adjuster?

Before we can explain why hiring a public insurance adjuster is beneficial to you the homeowner, it might be helpful to start at square one and define a public adjuster. A Public Adjuster is a licensed insurance professional who adjusters the loss of your property and is hire by you, the homeowner. Just like your insurance company has an insurance adjuster, you as a homeowner can have your own insurance adjuster that works for you!

Why Hire a Public Insurance Adjuster?

There main reason to hire an insurance adjuster is to maximize your insurance claim. Remember, your insurance company is looking to save money in every way that it can. In fact, the insurance adjuster’s job including paycheck, raises and the possibility of promotion are contingent upon saving the insurance company money. A public adjuster will work diligently to prepare and present your claim to the insurance company and is not harnessed by any of those restraints because they work for YOU.

Additionally, many insurance companies hire independent insurance adjusters. Basically the they subcontract the work to a independent insurance adjuster firm (by the way it is a different licensing than a Public adjuster). Many of these adjusters have too many claims to manage, and as a result thoroughness is neglected. A Public Adjuster will make sure they cover everything they are responsible to cover.

Lastly, most homeowners are not familiar with their insurance policy or insurance laws because you have many other things that take up your time. A Public Adjuster daily examines policy and insurance claims and insurance law – that’s what they do for a living! By hiring a public adjuster, you will feel more confident that your rights are being protected by a professional who is working for you.

What is the fee for a public adjuster?

The fee charged by a public adjuster is a percentage of the settlement. The fee is on a contingency basis. If you do not receive settlement from your insurance company, the public adjuster does not collect a fee. Their service fee is due in full upon receipt of payment from the insurance company