What To Look For In A Good Public Adjuster & What Is A Public Adjuster

While there are claims of what public adjusters can do for you, today we will also mention a bit about what they can’t do.   Public Adjusters can speed up claims processing and coordinate crucial services related to property restoration.  However, they cannot wave a wand and instantly solve all your problems immediately.  Certain aspects related to your claim may take more time than maybe Sara Jo’s claim, depending on the type of claim.  A public adjuster will save you valuable time and the chances of a claim filed by an adjuster as opposed to an individual tend to be much higher.  At the same time, there is no honest guarantee that the claim will be approved.  There are several elements of criteria that are used as assessment in your claim.  Because these factors vary from one spectrum to the other, processing time will also.  Victims of property damage  can get easily bombarded with the stress of trying to recover and reclaim balance after building damage,  fire damage, water damage, roof damage, or any other types of damage that befalls property owners such as vandalism.  That is where a public adjuster would help.  A good public adjuster can be a blessing in disguise or just another headache to the list.  The first thing you will want to do is make sure that he or she is licensed.  Licenses differ from state to state. You will want to make sure that the public adjuster is licensed for your state.  Adjusters can practice across multiple states but they will need a license for each state to do so.  Make sure your personal public adjuster is licensed and up to speed on the adjusting laws in your state.
It is important for public adjusters to not only be licensed but they should also have a level of computer competency.  He or she does not have to be a tech wiz but they should know their way around basic programs such as MS Word and how to do a simple search online.  In the world of technology there is information and transactions online that happen between insurance carriers.  Having  basic computer knowledge will go far in this regard.

Go with your instincts.  If your insurance adjuster seems that he/she can’t explain the process to you, is too pushy to get you to sign with him, or you feel unsure, you are probably are right.  Keep looking.  Public adjusters are business owner and property owner advocates.  You want someone sensitive to your issues and needs.  You also want someone who will efficiently handle your claims and work fast to get you what you need.

Important questions to ask:

  • What is the first step once we sign with you?
  • What type of delays should I expect?
  • How quickly will my claim be filed?
  • What is the average time frame to expect a settlement (nothing is in stone as each case is different, but if you know your adjuster has an idea, this can be helpful)
  • Who will be my point of contact for updates, etc. Is it you?
  • How soon (or often) will someone follow up with me?
  • Will I be kept abreast of changes in my case? If so, how? US Postal Mail, Email, phone?

A public adjuster should have keen information related to insurance claims help request such as what will be the estimate cost required to recover from physical damage, cost to build up a new roof, or any to the property for which a claim is being made. A public  adjuster’s job is to become the bridge between the insurance holder and the insurance firm. A public adjuster acts  on your behalf to carry out work from start to  finish until you, the owner, gets the appropriate claim amount. Many states keep regular test to renew the license so that the adjuster is equipped to handle the entire situation coming in the insurance industry.

Public adjusters can really make their value felt by the time the owner is saved as well as the insight that only adjusters have in dealing with insurance companies.   If you have sustained damage to your office building, are a victim of vandalism, or your home property has been devastated, things like relocation, and property restoration are things that can be overwhelming to set up.  Not to mention, you will still have to worry about your insurance carrier of whom I assure will try to undervalue your damage to their benefit.

If you have sustained damage to your building or residential property, call 800-602-9915. You can also contact us on the form to the right of this page.

We at Priority Adjusters will make your claim our “top” Priority.

How To Take Inventory For Your Business

Why is taking inventory for your business important? It’s because you never know when a disaster may strike.  In the event your business is damaged be it water damage, roof damage, vandalism or other you must have a proper inventory ready of the items in your care.  This is especially important for recovery purposes when it comes time to file your claim, for insurance, and for tax purposes.

It’s imperative that you make sure you keep a current business inventory.  This will help you immensely.    You will want  to purchase enough to replace all business inventory pertaining to what you do.   This will also help speed up settlement of our claim.

When it comes to how to start the process of taking inventory for your business, you have a few options in this regard.  You can simply have someone make a list in a notebook saving receipts to support purchases and photos in a file.  Or  if you wish to invest in easy to use software that can automate of the details in the process there are many software programs you can purchase to create detailed, organized, accurate and up to date records of each item.   With the click of your mouse, you can easily update  lists that you purchase, replace or eliminate.  The benefit of an online or computer record is that it can be housed virtually and backed up in many cases. You can scan some receipts, take digital photos to be housed on a server, etc.

Where To Start

Don’t be put  off by the seemingly arduous task of taking inventory, especially if it is something that has not been done for a long time or in some cases years.   Take it one step at a time.  You will want to first decide on a the method in which to record your inventory (software, online, manually) Go office by office or  room by room.   Take it category by category such as creating categories for “furniture” and “electronics”.  Start with the newest pieces of furniture or  items to the oldest or you may start from the most expensive purchases to the less expensive ones.  Whichever suits you best.

Depending on the insurance coverage you have, some items may need to be insured separately such as Key players in your company and any cash you may be keeping in the office for petty purchases.

Photographs

Be sure to have photographs that accompany your inventory list. This can be done easily with a digital camera.  If you have a film camera you can scan printed photographs or have their film developer save the images to a disk.  Print photographs can still be stored  with a copy of your inventory.

The List

Some items below can be listed by the room in which they are likely to be found.  If you have a large number of  purchases of one type of item such as books, CDs, miscellaneous items you can make a general estimate of how many you have and what  their estimated value may be.

If you have sustained damage to your business or insured office building, we may be able to help.  Call us at 800-602-9915

Building Damage

Building damage can range from minor accidents to rather extensive damage.  It can be quite a headache to deal with and  prevent further damage, maintain business processes, and claim recovery for your loss if you are not familiar with all these elements or even how to document your damage for insurance once it has occurred.  There can be many forms to assess building damage required.  Also required by your insurance and most law enforcement agencies are pictures of building damage due to whatever may be the cause.  There are building damage assessment tools that can help you better document damages to the building.   However, in emergency situations, emergency management and control is crucial.  Where and how are some of the common ways building damage can happen? It can come during construction work, renovations, general maintenance, natural disasters or through accidents.   Not uncommon are instances where a gas main explosion outside your building can cause major damage to your office. In minor incidents of damage the building may need to be inspected by engineers/maintenance employees to  make sure that it is safe to return to or continue working in or around the damage that has been sustained.

In urgent situations where damage is extensive and emergency care is required you first want to make sure of potential hazards that could extend the depth of damages such as the occurrence of major earthquakes, massive collisions, etc.  In such events you will want to make sure that the electricity, gas, and water is turned off.   Check for gas and/or fuel leaks. You will want to also and most importantly check for any injuries that have been sustained by you or your office staff, and tend to them.  Apply first aid measures immediately as needed, and be sure not to move seriously injured persons unless there is an immediate danger.  Have someone check for broken pipes, water sewage, etc.   You will want to check for cracks, building damage both to exterior and interior structures.  In the event of strong earthquakes you will want to prepare for aftershocks and be sure to stay calm.

Once you have made sure of the obvious you will want to recover from your loss.  Check your insurance policy and if you need help we are here for you.  We will help coordinate restoration services, adjuster visits, and more.  Amidst all the problems you may be going through during an occurrence of building damage, it can be quite disheartening to know that dealing with your insurance company could turn into additional headache.  We alleviate that by acting on your behalf .  We file claims and offer the second opinion you need and get your claim approved with the highest payout possible.   Read here to see whats involved in filing a claim and why you need a public adjuster.

You may contact us on this page via our Contact form or directly at 800-602-9915

Business Vandalism

Did you know that graffiti is the most common type of property vandalism? Other types of vandalism include breaking windows, removing /defacing signage, as well as trash dumping from receptacles.

No doubt financial loss can occur from these acts of vandalism.  Vandalism is impossible to prevent, however  there are measures that businesses, schools and other organizations can take to help prevent this type of demoralization.

If you can understand when and where vandals typically strike then your strategy on prevention will be that much better.   Vandals usually strike during  late evening hours when it is dark and there is little or no surveillance around the property.   Like other crimes, if your  building has been vandalized once, chances are it will be vandalized again, if not repeatedly.

Here are some easy steps to follow towards prevention and minimizing occurrences of vandalism:

  • At end of the day, walk-through of the building to ensure everyone has left.
  • Lock all doors, windows and gates surrounding the property when leaving the building .  If a lock is broken, repair it immediately.
  • Install tamper-resistant hardware around doors and windows.
  • Have perimeter lighting around buildings installed.  Conserve electricity by placing lights on motion sensors.
  • Ensure that exterior lighting is in good working order, replacing burnt-out bulbs immediately.
  • Cut back dense trees and bushes next to the building. Remove tree branches below 7’ from trees adjacent to the building and keep shrubbery trimmed below 4’ to eliminate hiding places.
  • Make sure windows are visible from the street.
  • Keep a log of people entering and exiting the facilities.
  • Do not tag keys with the address of the building or any other identification that would be evident to an outsider.
  • Change or re-key locks once a key has been lost.

If you have sustained damages contact our offices immediately 800-602-9915

Roofing Damage & Insurance Claims Filing Tips

Whenever anyone owns a residence or building property one can rarely predict when one will get hit by damaging weather and/or natural disasters.  However when misfortune does hit many can be thankful for the insurance policy coverage they have as well as  the accessibility involving roofing insurance plan claims for weather damages.  On the outskirts submitting your bid to receive coverage for the damages you have sustained may seem simple.  What could be easier?  All one need do is simply tell the insurance company of your loss and that you would like to collect on it. Easy right? WRONG.

First off, it’s crucial to have a clear understanding as to what the insurance policy covers with regards your roof.  You must find out whether the complete replacement of the roof will be covered? Will it cover for roof replacement on a pro-rated basis? And don’t forget about the deductible.  What that amount is, is  important.

If  you live in a region where the environment is known for harsh climates, flooding or even tornadoes, your policy should be distinctly defined.  Because these elements can actually bring forth severe destruction, a policy should have a clearly defined  policy to include roof damages that are covered by your insurance policy.

Many property owners of whom have suffered extensive property damage to their residence or commercial building have discovered all too late that their insurance policy did not contain roofing insurance claims when it comes to weather damage.  Be sure you are properly covered ahead of time depending on the region you reside.  You will save many problems related your roofing damage.

There are other times when the need to repair a roof may arise due to incomplete or incompetent repair work.  Roof damage could also be due to wear and tear of the elements and are now in need of repair to that area of the property.  This is expected.  Be sure there is a provision  in your insurance policy for this too.

If you or someone you know has had damage to their roof, business property, or anywhere in their home, your first course of action is get in touch with a professional.  Many call their insurance carrier.  But as many can tell you, this is not where to start.   Of course, if there is a situation where your life is in danger then take all measures to safeguard yourself first.  You will want to call in restoration and clean up services if there is water damage such as flooding.  In the event of roof damage, you may have to leave and seek accommodations at a hotel.   Once you are in safety, and have taken care of preventing further damage to your home, you will want to call a public adjuster.

A public adjuster can help in a plethora of ways.  First they serve as a second opinion to the damage obtained.  They can handle all claim filing such as the tedious phone calls, voicemails, being on hold to speak with a live person and all other related tasks necessary to file a claim.  In the meantime, you can worry about what is important and focus on recovering and go about your daily activities.  We at Priority Adjuster do just this.  We know the talk and the process so you don’t have to worry about getting taken by your carrier.  We fight to get you claim the highest payout and because we are skillfully trained and knowledgeable in the field your chances of claim approval are much much higher.

Contact us on the form to the right of this page or Call us at 800-602-9915 to get help right away.