Reporting your Insurance Claim from Property Damage – Call a public adjuster!

hottofileaclaimProperty damage can vary when owning a residential or commercial property. Aside from everyday losses such as overflowing toilet, fire in a kitchen,  vandalism after someone moves out of a rental property, pipe break/ burst in ceiling or walls; homeowners also experience losses related to weather such as water damage from flooding or wind damage from hurricanes or tornadoes to their roof or siding. Many of these types of damages are covered by insurance company. Whether you own your home/business or still have a mortgage on it, it is very important that you have insurance on your property. When you experience things like water damage, fires, flooding, roof damage, or plumbing damage your claim needs to be reported to your insurance company promptly! Most policies have a 14 day rule to report your insurance claim, unless there are other circumstances in which it is even more important to file your claim and do it correctly! It is very common for a homeowner to take it upon themselves to file a claim and negotiate and settle their own insurance claim. Unless you are knowledgeable in property damage and insurance policy and policy language, it is very likely that you will be underpaid on your insurance claim. As a property owner you want to make sure that if anything is to happen to your property then it should be fixed to look the way it was before, and because you pay insurance every month, you shouldn’t have to come out of pocket for any of it! That’s what Public Adjusters are there for! Public Adjusters are licensed and bonded in your state. We are highly knowledgeable in property damage, insurance policies, and negotiating and settling claims. Our job is to protect your best interests and get you the maximum settlement for your claim. Before you call an insurance company and report your loss, FIRST CALL A PUBLIC ADJUSTER! We can advise you if you even have a claim and the proper steps to take to move forward. You have nothing to lose. The best part about a public adjuster is that we don’t get paid if you don’t get paid! Contact us today for a free claims evaluations.

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Independence Missouri Public Adjusters: Why Hire Us? Higher Claim Settlements

All American Public Adjusters:  Higher Claim Settlements

Let the insurance claim professionals at All American Public Adjusters assist you in maximizing your insurance claim and minimize your stress.

It is important to document and report the loss immediately in order to prevent a claim denial. Insurance companies will send their own adjuster to your home, and it is important to have someone representing your best interest. Don’t let the insurance company dictate the loss – remember the burden of proof solely lies on you.

We will come to your home and review the policy for free and assist you with the claim process with no out of pocket expenses. No recovery means no fee to you! We have a licensed public adjuster ready to answer any of your question.  Don’t hesitate to call.

We also services the surrounding communities:  Blue Springs, Lee’s Summit, Liberty, Grandview, Raytown, Belton

 

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  • 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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Kansas City Missouri Public Adjusters: Why Hire Us? Pipe Break Insurance Claim

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All American Public Adjusters in Kansas City – Pipe Break Damage Claim Experts

Having a pipe break in the home can be one of the most frustrating experiences for a homeowner to have.  If a pipe break occurs in your home, it is important to take the necessary steps in ensuring that you do can recover the damage that has occurred.

  1. Prevention is Key: Proper maintenance and insulation are essential.  The reason why most pipes break is due to cold weather.  Regularly check your pipes and make sure that they stay warm during the cold months.
  2. File a Claim Immediately: Contact your insurance agent or your insurance claims department as soon as you notice water leaking from a pipe break.  They will set up a time when an adjuster can come and take a look at your property to assess the damage. 
  3. Get Rid of the Wet Materials and Dry Out the Floors and Walls: In order to prevent any additional damage from occurring, you need to get rid of any wet materials, including carpet or flooring that is damaged.  Calling a water mitigation company will assist you in making sure that the water is removed effectively and the property is dried out.  NOTE:  some insurance companies may deny some portions of the claim under NEGLECT if proper attention is not made in water mitigation.
  4. Document All Damaged Items: Make sure you take inventory of any and all items that suffered damage during the pipe break. 
  5. Contact Your Plumber: Your insurance company is going to need a plumbers invoice in order for you to have your plumbing put back to how it was.
  6. Contact an Insurance Professional – Public Adjuster: Using a Public Adjuster, an insurance consultant who works for the homeowner and not the insurance company, will help you maximize your insurance claim.   A Public Adjuster is an expert in insurance policy and claim handling.  Water claims can be complicated, and hiring a public adjuster will help you get reimbursed fully for the property damage.

All American Public Adjusters are licensed professionals who can help you with your water damage claim from start to finish. We have a team of professions who have been helping homeowners handle their property claims with an excellent track record. Let us take over your claim so you can have an expert on your side to ensure that your investment is covered!

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

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Virginia Public Adjusters Assist Homeowners with Fire Damage Insurance Claim

virginia fire damageA fire is a very devastating event that can occur when you’re least expecting it. Fire damage can lead to the loss of personal contents and possibly structural damage to your most valuable possessions. Filing an insurance claim is a tedious process that never ends well when done alone. Calling a public adjuster for your fire damage claim can be the smartest decision you will make. Public Adjusters are licensed and bonded in Virginia to assist with your fire damage claim. Public adjusters assist with estimating your fire damage loss, conducting inspections of the property, negotiating your insurance settlement with the insurance companies adjuster, and most importantly guiding you, the policy holder, through this strenuous process to get you the maximum amount for your loss. Call us today for a free evaluation of your fire damage claim.

We are now servicing Bristol, Galax, Norton, and Radford Counities.

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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

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Maryland Fire Damage Insurance Claims – Public Adjuster Claims Specialist

All American Public Adjusters in North Carolina- Fire Claim Experts

One of the most devastating losses that can occur to a home is fire damage.  If you have suffered from fire damage, you are well aware that there is more damage that occurs than just the fire.  Smoke, Soot, and the loss of indispensable belongings.  As Public Adjusters, we have helped numerous homeowners handle their fire insurance claims.  Whether it is minor kitchen fire damage or a major home fire damage that destroys your entire home, let the experts at All American Public Adjusters handle your claim for you ensuring that you get full reimbursed.  The public adjusters in North Carolina are trained to prepare dwelling fire damage repair estimates and to value damaged personal property. They are generally knowledgeable about the coverages provided by a typical insurance policy concerning your fire claim.  We understand what is needed for you to be reimbursed for damage to your property and damage to your belongings if fire damage has occurred.

We service the following areas in North Carolina: Charlotte, Raleigh, Greensboro, Durham and  surrounding communities!

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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

 

 

 

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Conneticut Homeowners Face Major Home Damage After Back to Back Storms

Conneticut Winter Storm DamageNow that the snow storms have settled down a bit, most homeowners and business owners thought that they were in the clear. Thinking that the snow would just melt and everything would go back to normal would be highly unlikely for most across the state especially those located in Fairfield, Middlesex, New London, Hartford and Litchfield County. Multiple snow storms back to  back have caused severe roof damage to many homes and businesses.

The best advice is pull snow off your roof 4 to 5 feet above the gutters. Flat roofs on commercial buildings present different issues.Connecticut saw several building collapses from the sheer weight of the snow after two major back to back storms.The town of Vernon even called in the National Guard to deal with problematic snow build up on several schools with flat roofs.

Roof Damage caused by recent Storms is most likely covered under your homeowners policy. Before you contact your insurance company and file your property damage claim, contact us to see if it’s even a covered loss. Public Adjusters are licensed and bonded by the state to assist policy holders with property damage. We are experienced and knowledgeable in property claims and can assist with evaluating your roof damage, preparing an estimate for you and your insurance carrier, and negotiating and settling your insurance claim. Contact us today for a risk free evaluation of your loss or if you have any questions at all on what’s covered.

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Policy Holder Tips After A Storm Hits

Sump pumps:  It is important to check the sump pump in your home. Make sure that is is able to turn on and off and  look inside to make sure there isn’t any debris or obstructions inside.Ice On home from Snow Storm

Ice dams/roof leakage: An ice dam occurs when water builds up behind a blockage of ice. A snow rake can be used to scrape excess snow off a rooftop. You can carefully shovel snow on your own, but remember that rooftops are extremely slippery and dangerous. Warning: Do not try to chip or break off ice in ice dams yourself, because it could damage the gutters or shingles.

Water in the house: In order to remove excess water from your home, try mopping or blotting. Take upholstery cushions out for even drying. Place aluminum foil or wood blocks under furniture legs; hang furs and leather goods separately. Don’t use a regular vacuum cleaner to remove water, and don’t turn on ceiling fixtures if the ceiling is wet. Keep out of areas where the ceilings are sagging or retaining water. Do not turn on appliances that were submerged in water. Photograph everything and make sure that the date is time stamped on the photograph.

Inclement weather puts a major toll on homes and businesses with both interior and exterior damage. Most of the items mentioned above are likely covered under your homeowners policy. Your policy states that you must notify the insurance company within 14 days of the loss. The insurance company will send out their own adjuster to evaluate your damage. Most people have no idea what is covered under their policy and what they need to do to move forward. Contact All American Public Adjusters today for a free claims evaluation for your property damage.
Public Adjusters are licensed and bonded by the state to protect the rights of policy holders against the insurance company. A public adjuster will assess your damage, help file your insurance claim, review your policy, provide you with an estimate for your loss, and deal with the insurance company directly to get you the maximum settlement so that you can bring your property damage back to it’s pre-loss condition.
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Public Insurance Adjusters deal with Freezing Temperature Claims

ice dam on roofBlizzard-like conditions are expected throughout the northeast from Washington to Boston. Heavy snowfall will spread from St. Louis, Louisville, Cincinnati, Pittsburgh, Charleston, New York, Philadelphia, Washington DC, Boston, Cape Cod, and Portland at approximately an inch a minute. While the snow is falling, winds will pick up to near freezing temperatures causing homes and businesses to experience an array of damages.

Some things that policy holders should look out for:

-Power outages causing sump pump to fail or back-up causing flooding in homes and businesses

-Freezing pipes – Once thawed, will cause pipe breaks/bursts and flooding/water damage, structural damage, and mold

-Flooding – Once snow and ice start melting, the water begins flooding homes/businesses

-Ruined carpets and water damage to your ceilings and walls from leaks caused by ice dams or bursting pipes

-Roof Damage – From ice dams that accumulate ice at the lower edge of a sloped roof, usually at the gutter, ice builds up and blocks water from draining off the roof causing water to be under the roof covering and into your attic or down the inside walls

Many of the above mentioned losses are covered by insurance companies. Filing a claim, although it sounds easy, is VERY tricky. The verbiage that is used when filing a claim can get you a denial immediately if not explained correctly. Most homeowners or business owners are not familiar with their policy and what is covered, let alone the details of their damage and the cost to repair or replace their lost items.

Public Adjusters are licensed and bonded by the state to help policy holders with their property damage claims. A public adjuster can review your policy, estimate your damage, and deal with the insurance company directly to conduct inspections and negotiate a fair settlement for your property damage claim. Whether you have already filed a claim or have a claim and don’t know what to do next, we can help. Contact All American Public Adjusters for your RISK FREE claims evaluation.

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Insurance Claim Help – Knowing Your Policy

Today’s day in age, people don’t really review their insurance policies. They purchase a policy based on what their insurance brokers gave them and think that they always have their best interests in mind. Many people also purchase a policy based on the lowest premium. As much as getting a good deal sounds great, its important to read between the lines.

Insurance policies consist of terminology that is often hard to understand. Nature is quite unpredictable. When a loss like a fire, flood, pipe break, wind damage from hurricanes, or tornado you need to know what to do and whom to call.

Public Adjusters assist homeowners and business owners with their property damage claims. Whether you have suffered from fire damage, flood damage, wind damage, hurricane damage, tornado damage, vandalism or theft, a public adjuster is the first call you want to make. A public adjuster can provide you with knowledge of insurance claims and what your policy covers. They will estimate your property damage and assist you with negotiating and settling your insurance claim as quickly as possible while making sure that you get the maximum settlement

Public Adjusters are licensed and bonded by the state. Before you start opening insurance claims and fighting a battle you have never faught, contact us today!

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Burst Freezing Pipes and Maryland Homeowners Insurance Flood Damage

Maryland residents will face some major weather changes again causing freezing temperatures to take a major tole on properties, residential and commercial. Many types of damage they could face are power outages, freezing pipes, flood damage, ruined carpets from water damage, roof damage from ice dams. Knowing your insurance policy is crucial when dealing with these types of insurance claims.A public adjuster is a licensed and bonded claims expert. We are highly knowledgeable in property damage, insurance policies, and negotiating and settling insurance claims. When a disaster occurs such as freezing pipes after recent storms and freezing temperatures, you need to be prepared for a battle. Insurance companies are there to protect their best interests, make sure your protect yours. Hire a public adjuster today to assist you with your frozen pipe or water damage.

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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

 

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