Rather than you, the policyholder, getting engulfed in a frustrating insurance claim process, our public adjusters are deeply experienced in the handling of wildfire claims, and lift the burden of managing your claim to get you the maximum amount to recover.
In the rush following wildfire damage, it is in your best interest to take a step back as the policyholder to consider the best options available for a faster recovery.
The damage caused to your property by a wildfire can involve more than flames and smoke. What about water damage, if that was the method to quell the wildfire? Was your home completely or partially burned? Do you know in detail what your homeowners insurance policy covers before you file a claim with your insurance company?
As public adjusters independent from your insurance company, we offer the highest standard of experience in the insurance claim process for natural disasters, such as wildfires. We are aligned only with your interests, and will be there to walk you through your insurance policy and the claim process. We evaluate, document, and negotiate your claim for the maximum amount.
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 can I minimize the emotional toll on my family?
How large of an advance should I expect?
How has my insurance company handled past wildfires?
What is demand surge? Will my insurance cover it?
How can the adjuster represent both me and the insurance company?
Can my agent/broker really help me or not?
Why is a claim strategy so important?
Successful evaluation of damages hinges upon a well-coordinated effort between estimators, inventory specialists, and consultants. Do you have the right experts lined up? Should you trust the insurance company’s cadre of experts?
Has the public adjuster you are considering hiring handled other wildfire losses? How many? What can he/she tell you?
Is the scope of this disaster large enough that political and grass roots pressure will have an impact?
How long am I really going to be out of my house?
My adjuster says I have to use my advance to buy furniture for the rental home. But the rooms are different sizes and I don’t know what my color scheme will be and I am under so much stress right now. Do I have to? Why can’t I just rent the stuff?
What about mold caused by the water damage? Is that damage covered?
How much of my time will this take?
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
The loss of our home was a devastating experience, financially and emotionally. It did not take us long to realize that we did not have the time and energy to begin rebuilding our lives, deal with the insurance company and their requirements, and still continue to work at our jobs and lead a life that had some pleasure in it. Furthermore, we also realized that we did not have the experience to formulate the inventory list, establish the value of the home we lost and maximize our insurance benefits. It was very obvious that this would be the largest financial transaction of our lives. From our initial contact with [your firm] to our final dealings last week we have had the pleasure of dealing with consummate professionals...The entire staff was always responsive to our needs and the results are far more wonderful than we had even dreamed.
Steven R. Chew, D.D.S.
I was initially thinking that I could handle it myself...being an attorney and negotiating was what I did for a living. Little did I know! Once I sat down with you and you explained the entire process and showed me your firm's work product, I realized I was in way over my head... Any prospective customers would be crazy not to get you involved right away. You and your firm took a tremendous burden off Annie and my shoulders and we are grateful that we made the right choice in hiring your firm.
The Boles fire in September 2014 is one Ill never forget. It was the most horrible thing to ever hit Weed, CA. Over 100 homes and buildings were lost in this fire. You and your team took so much pressure off of me and my family. Your persistence with our insurance company in getting them to understand the quality of our home, its surroundings, and the items they missed in their evaluation resulted in us getting our policy limits paid. As a Police Sergeant, I was already a busy man and knew I would need the help of professionals. By retaining [your firm's] services, they were able to maximize my recovery. I couldnt be happier!
Our home burned completely to the ground in a wildfire that took out 39 homes in our small community... Throughout these months we have been fairly and professionally treated and have received a far better payout than originally offered by our insurance company. [Your firm] has been a truly comforting light in all the turmoil of rebuilding our lives after this devastation.
For decades, L’Auberge Chez François has been one of the leading restaurants in the metro Washington, D.C., area. Known for its exceptional French cuisine and impressive service, the restaurant is a longtime favorite of Washingtonians celebrating anniversaries, birthdays or other special occasions.
Super Typhoon Paka, as the storm came to be called, was a 12-hour session of destruction for the island of Guam. Stirring up winds in excess of 200 miles per hour, the tropical cyclone tossed buildings, planes and ships across the island like discarded toys. Among these was the headquarters of Continental Micronesia, a subsidiary of Continental Airlines. The main offices, the marketing buildings and the planes were damaged by the powerful typhoon.
Wildfires are unplanned, damaging fires that spread and grow quickly, with the ability to change direction unexpectedly. Although many wildfires start from lightning strikes, most wildfires are caused by human activity.
During today’s discussion, we will explore the important areas of risk management and property insurance that must be addressed, to be prepared for the destruction that can be caused by future wildfires