How to Prepare for a Fire for Insurance Purposes

Whether you are looking for information due to the recent Colorado fire damage or just looking in general, making sure that you know what to do after a fire is important to ensure that you get the most out of your insurance coverage. Replacing everything in your home can be a costly process, but by taking the right steps in cataloging what you have lost you may make it easier for your insurance to help you.

The first thing you should have is a fire-proof safe where you can keep a variety of important information that you will need in case of an emergency. Choosing a great safe may cost you a little more in the long run, but choosing one that is water and fire proof will ensure that your papers and important information remains dry and readable. In this safe, you should keep important documents such as the deed to your home, insurance coverage and contact information, and also a comprehensive list of the items in your home.

You may have several items that are insured individually on your policy like jewelry, but keeping a comprehensive list of everything of value in your home with pictures is a great way to make sure that you get full replacement value for your items.

Start by listing the information about your home and the renovations that you have made and include digital pictures of those renovations on a memory stick. You will also want to include anything of value in your home including electronics, garden equipment, and furniture. Carefully photograph all of these items with a digital camera and put the photos on a memory stick that you keep in your safe. This detailed list of items with pictures could be the difference between getting the minimum damage costs and getting full replacement value for your items.

A little preparation will go a long way towards making the replacement of all of your valuables an easy process. Make sure that you add specifics like model numbers and retail price and take pictures of the model numbers to confirm that information for the insurance company. Taking the time to create a detailed list of your possessions before a natural disaster will help you rebuild and move on with your life as easily as possible.

Malibu Fires & Fire Damage Prevention For Summer Seasons

Fire damage may not be avoidable during hot weather, but there are definite measures to reduce or stop spread quickly as well as things you, your family, and your employees can do to ensure quick and safe evacuation with minimal loss possible. This was outlined at a recent expo designed to help bring awareness and preparedness to the citizens of Malibu as covered by The Malibu Times.

Recently at the Malibu’s Emergency Preparedness Expo representatives from various other emergency management departments discuss wildfire and tsunami preparedness. There was a great and important message shared on how to prepare and respond to natural disasters.

As most Californians know, wildfire season is around the corner. It was interesting to note The Malibu Times reported.  The Malibu Times mentioned that a group of experts gathered at Malibu City Hall to give insights as to their knowledge and experience on the city.  Also in attendance was The Los Angeles County Fire Department, California Emergency Management Agency to raise awareness of the threat of natural disasters.

The awareness of the potential severity and extensive damage that a wildfire could bring was one of the main points that were brought to the forefront of the discussion.  When an outbreak of wildfire has occurred it is of the utmost importance that evacuation warnings are given early considering the number of narrow roads in Malibu was what was featured.  A chief from the LA County Fire Department pointed to that fact being the reason for traffic delays. He also mentioned that in the Corral Canyon Fire, 4,900 acres burned and six firefighters were injured.  The chief also cited a 2003 incident in San Diego where a large number of civilians died due to being stuck on roads while trying to evacuate who got caught in smoke, fire and heat.  The chief went on to mention a little known fact that impacts vehicles trying to evacuate at later stages of a wildfire.  Smoke causes the driver to lose their visibility, while the fire and the heat impact how the vehicle will work.  Many do not realize that the combustion in the engine needs oxygen to work, so if the “fire is consuming the oxygen –the vehicle will stall” as stated by Chief Anthony Williams of the LACFD.
The LACFD created a “Ready, Set, Go” personal wildfire action plan.  A presentation was given with information about how families can properly create a disaster plan, evacuation checklist, and be sure to evacuate in time.  LACFD advocated the need for safeguarding a home so that the chances of rapid fire affecting the home are low, that areas of potential hazard in the home are dealt with and do not block quick evacuation. Areas such as roofs, eaves, vents, walls, windows and door were outlined.

The bottom line for families attempting to safeguard their home without survival equipment or training as Chief Williams stated is “a recipe for disaster”. Placing value where value truly lies was emphasized.  Homes and material things can be replaced.  People can’t be so don’t risk your loved ones to anything else.

References to prepare your home or office for fire damage:

1)      To obtain the Ready, Set, Go program and wildfire preparedness go online to the L.A. County Fire Department Website:  www.fire.lacounty.gov

 

2)      The California Department of Forestry and Fire Protection is a great resource for information on fire protection: www.fire.ca.gov.

 

3)      The California Emergency Management Agency provides information on emergency preparedness as well: www.calema.ca.gov

 

4)      If you suffer from fire damage and need help recovering from loss and restoring damage areas you can also contact Priority Adjusters, public adjusters in Ca

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.

Hollywood Hills Fire Damage

Fire damage to a property is never a good experience.  Dependant on the amount of damage that the fire produces, it can be utterly devastating.  Many times unique and vintage heirlooms, various mementos, photos that serve as reminders of  priceless moments in life, and other irreplaceable items can be obliterated in seconds when a serious fire hits.  But when life is lost as a result of a fire it can send a blow to many simultaneously like no other.

That was recently the case with the Hollywood Hills Fire that hit a newly built mansion about one month ago in Hollywood Hills.  The mansion was slated be used for filming and shoots. The mansion was built for the next season of Heidi Klum’s reality show, Germany’s Next Top Model.  One issue that was raised was how swiftly the fire spread and how that relates to the details of the actual construction of the property.  Questions have been raised as to how swiftly the structure was put up.  Neighbors say they were amazed at how quickly the mansion was built.  Hollywood Hills neighbors reported that the three-story, 13,000 square foot mansion construction began at the end of Summer and finished before the Christmas holiday.  Whether or not the building was up to code is being investigated as a possible cause or contributor to the devastating fire that ensued.

As the fire blazed, a roof collapsed injuring six firefighters inside. One of those firefighters, was found on the scene not breathing when he was cut free of the wreckage. That firefighter, unfortunately died later.  Many condolences go out to the family and colleagues he left behind.

Fire damage can never be taken for granted.  One can never be certain as to the extent of damage one may sustain.  If you have experienced fire to your commercial building or residential home it is dire that you contact a professional who can make sure that you receive the proper settlement from your policy.  While some things will not be able to be replaced, there are many other things that can.  Many times the owner who tries to file the claim him/herself does not realize that he/she could have already potentially denied their claim by making very simple mistakes.  A public adjuster will also serve as the much needed second opinion in order to get the full amount from your policy approved.

For more information contact Priority Adjusters today by filling out our contact form or CALL: 800-602-9915

Hollywood Fire Damage In The Synagogue

Building owners can never be to sure of the dangers that lurk. All the security in the world cannot guarantee that nothing will happen. Fire damage is a danger that can be prevalent at any time posed by anyone. But you may say, that is what insurance is for.  However, dealing with insurance companies can be entirely a different story. Check out this horrible incident that happened at a Synagogue in the Hollywood area.

Not more than a few days ago a transient set fire to the second floor of Temple Israel of Hollywood. Police are searching for a suspect for this fire in a prominent Hollywood synagogue. It has been ruled and identified as arson.

The fire damage is one that Los Angeles Fire Department has identified to be caused by arson. The fire was set in a classroom on the second floor of Temple Israel of Hollywood early on April 14. The suspect was caught on a security camera which so far is believed to be a neighborhood transient that frequents the area as stated by The Los Angeles Times.

Police say they have no reason to investigate the incident as a hate crime. Although, though Los Angeles City Councilman Tom LaBonge called it a hate crime, the Los Angeles Jewish Journal reported.

One week prior to this incident Santa Monica Chabad center and synagogue was targeted with a pipe bomb. A suspect in that incident was arrested in connection with that case.

If you or someone you know has sustained fire damage in Hollywood it is important that you get the right help at the onset of your claim. You can call Priority Adjusters 24hrs a day to get the questions you need answered. Remember, it is important to get help as soon as the incident occurs as opposed to after. This small detail can be detrimental to how your claim is processed or if it is approved or denied.

Call: 800-602-9915 Today

What Insurance Adjusters Don’t Want You To Know

If you think the insurance company’s adjuster is your umbrella on that rainy day of property damage, think again.  If you know anyone who has had to deal with their  insurance company or have ever noticed on the news some of the outrageous way policy holders get railroaded then you are not doubt familiar with the need to get an independent advocate on your side.  However, if not, please read on….

Roofing damage, flooding, fire damage, and electrical fires to name a few, are all things that can take years off your life in stress especially if this happens to the home you live in.  One can only imagine the height of emotion and how easily one can be overwhelmed when substantial loss is involved.   Many people who have suffered property damage of some sort where a claims filing is necessary quickly realize that their insurance company is not really their best friend in this part of the process.  Unfortunately, many realize the contrary far too late  -once they are already in the process of obtaining recovery for damages.  Policyholders often say they feel that they are  at the mercy of their insurance adjuster’s opinion.  This can be especially worrisome since he will be the one handling calculations of the damage value(s).   Policy holders often get the short end of the stick because the fact is the adjuster is employed by and represents the company he works for,  NOT you.

You DO have options!  If you are not happy with a small settlement and you feel it does not adequately cover your loss you have at least three choices.  1) You can hire a public adjuster who will fight for your claim damages.  2) You can hire an appraiser to help validate your claim for damages or 3) You can go the more expensive route and hire an attorney.

The best option for one in this situation is to hire a public adjuster.  A public adjuster can help you with getting the settlement you deserve.  Many times insurance companies will treat a claim much more serious when they know an experienced public adjuster with knowledge is involved.  There are many terms and procedures that in itself can overwhelm a policy holder trying to file a claim on their own.  Why delay struggling to  learn the industry just to handle your claim when you can hire a public adjuster who can start on your claim right away.  A public adjuster fights to get you what your valuables are truly worth.  They fight to get you top dollar.  A public adjuster will come out help document and assess damages if involved in early stages and can assist in the coordination of restoration and other repair services that need to be made to your commercial or residential property.

The earlier you get a public adjuster involved, the faster your claim can be processed by knowledgeable hands, and the better the result of the settlement overall.  Priority Adjusters does just this and will help you through the process every step of the way.

Public Adjuster Explained

Public Adjuster Insurance Hotline:
800-602-9915

Hi, I’m John Morgenstern, President of Priority Adjusters, the premier Public Adjuster in California.

You want your own attorney to advise you in legal matters. You want your own tax advisor to advise you in tax matters. You want your own Realtor to represent you in real estate transactions. You want your financial advisor to advise you on investments that are right for you.

In the same way, you’ll want a Public Adjuster to represent you in major insurance claims from losses of any kind.

Public Adjusters advocate on your behalf. They are intimately familiar with the coverage afforded by your policy AND with local building requirements AND with local building costs for labor and materials. They are involved in such claims every working day and use that experience to your advantage. They are unabashedly on YOUR side – with no allegiance to your insurance company.

Public adjusters perform five primary functions for you. They:

1. Review insurance policy coverage to insure up-to-date and complete reasonable coverage is in place

2. Coordinate emergency repairs and cleanup and advise on covered temporary accommodations

3. Suggest strategies for reducing damages

4. Recommend appropriate action to return your building or home to its pre-loss and current code-compliant condition

5. Ensure that you get a fair, reasonable and complete settlement – (fair, reasonable and complete from YOUR perspective, that is!)

In this complex and litigious world, a Public Adjuster, like your CPA, Attorney, Realtor and Financial Advisor, is a valuable member of your team.

Public Adjuster Insurance Hotline:
800-602-9915

Frequent Questions

What in the world are Public Adjusters ?!?

(Answers to that and other frequently asked questions!)

A brief introduction:

Hi, my name is John Morgenstern, Southern California’s premier Public Insurance Adjuster.

Best case scenario, most people go through their entire life without a catastrophic event. So I urge you not to feel embarrassed if you have only a vague idea how I help folks like you. You may simply know (or suspect) a fair settlement isn’t going to arrive in your mailbox courtesy of your insurance company. That’s not merely a hunch. It’s basically an ‘open secret’ in the industry.

As Southern California’s premier claims adjuster my single-minded goal is to right that wrong and put more money in your pocket. My settlements are routinely 35% (and as much as 300%) higher than the ‘full and fair’ offer the insurance company.

Please enjoy the information I’ve provided below. I believe an educated and savvy property owner is Big Insurance’s worst nightmare.

This is my field of expertise and it would be my honor to advocate on your behalf. When you are ready, pick up the phone and call me so we can talk about the specifics of your situation – absolutely no cost or obligation! Call me now at 800-602-9915 (24/7). If possible I’ll take your call myself. Call now.

Your ‘Top Gun’ Public Insurance Adjuster,

California Public Adjuster

John Morgenstern
Because you deserve more…

Call me now at 800-602-9915 (24/7)


Frequently Answered Questions!

Q: What on earth is a public adjuster?!?

Great question. The truth is most people have never heard of my occupation. That’s a good thing if it means you have not suffered a loss. Sadly, many people who could benefit never learn about our services. How would they? Big Insurance sure isn’t going to tell them (or you)!

Simply put, my job is to help folks like you – property owners. My expertise is in putting an accurate dollar value on your property loss. I work for you, only. I have zero ties with Big Insurance. I fight for you.

Your insurance company pays another adjuster to work on its behalf – these are called insurance adjusters or ‘independent’ adjusters (misleading, to say the least). So called independent adjusters and insurance adjusters are paid by insurance companies. Perhaps worse, many are unlicensed and inexperienced. Their job is justify
the smallest possible settlement for you.

I am a State licensed professional Public Adjuster. I have logged more than 20,000 hours negotiating with Big Insurance. My expertise is determining how much you rightfully deserve. I achieve an accurate settlement by comprehensively documenting your claim, aided by experts in construction, labor and law.

You probably have enough to deal with right now. Part of my job includes the preparation of building damage assessment reports, creating estimates, building inventory lists and documenting your other losses. I handle all the tedious tasks of compiling and filing claims – as required by your insurance policies. The same is
true for all negotiations with your insurance company, consider it done.

I hope this information has been helpful. I look forward to discussing the specifics of your situation – no obligation or cost. With so much at stake I urge you to call me now at 310-890-8224 (24/7). If possible, I’ll answer your call myself.

Your ‘Top Gun’ Public Insurance Adjuster,

California Public Adjuster

John Morgenstern
Because you deserve more…

Call me now at 800-602-9915 (24/7)


Q: Are you affiliated with insurance companies?

No. Absolutely not.

I work solely for homeowners like you. Isn’t that the least you deserve? I think so.

I hope this information has been helpful. I look forward to discussing the specifics of your situation – no obligation or cost. With so much at stake I urge you to call me now at 310-937-5126 (24/7). If possible, I’ll answer your call myself.

Your ‘Top Gun’ Public Insurance Adjuster,

California Public Adjuster

John Morgenstern
Because you deserve more…

Call now at 800-602-9915 (24/7)


Q: What can you accomplish on my behalf?

Thanks for asking! Just a guess, but I’ll bet you probably have enough to deal with right now.

Part of my job includes the preparation of building damage assessment reports, creating estimates, building inventory lists and documenting your other losses. I handle all the tedious tasks of compiling and filing claims – as required by your insurance policies. The same is true for all negotiations with your insurance company, consider it done.

I hope this information has been helpful. I look forward to discussing the specifics of your situation – no obligation or cost. With so much at stake I urge you to Call me now at 310-937-5126 (24/7). If possible, I’ll answer your call myself.

Your ‘Top Gun’ Public Insurance Adjuster,

California Public Adjuster

John Morgenstern
Because you deserve more…

Call me now at 800-602-9915 (24/7)


Q: My insurance company adjuster told me he is independent. Is that like you, John?

No. Absolutely not. And I appreciate you bringing this up because it is a constant source of confusion. An Independent Adjuster is NOT a Public Adjuster. The term ‘independent’ simply means they are freelance adjusters (as opposed to salaried). The ‘independent’ adjuster is employed by your insurance. His livelihood depends on an ongoing stream of business from Big Insurance companies, like yours. His loyalties are – at best – divided.

I work solely for homeowners like you. Isn’t that the least you deserve? I think so.

I hope this information has been helpful. I look forward to discussing the specifics of your situation – no obligation or cost. With so much at stake I urge you to call me now at 310-937-5126 (24/7). If possible, I’ll answer your call myself.

Your ‘Top Gun’ Public Insurance Adjuster,

California Public Adjuster

John Morgenstern
Because you deserve more…

Call me now at 800-602-9915 (24/7)


Q: Couldn’t I just negotiate a settlement myself?

Of course. You could certainly spend your time calling contractors for double and triple opinions. You could also simply accept the insurance settlement.

The problem with that approach is too often non-professionals are limited to a defensive posture. That is to say my work involves much more than simply asking for money than you are offered. On the contrary, property owners need an offensive comprehensive approach, for any hope to negotiate the fair settlement. A simple example would be fire, smoke or water damage. Insurance will often pay for repairs – and you could spend your time arguing over the quality of materials. But as an experienced professional I know the repair is often of secondary importance. Of critical importance is understanding and anticipating the long term issues – mold, structural integrity, moisture and irritating smells that can linger for the life of the property. Believe me, 5-years from now you do not want to be forced to demolish the ‘fix’ you settled for today.

My experience helps folks like you get your life back 100%. It makes sense that my daily experience handling, preparing and negotiating claims would result in a higher settlement for you.

I hope this information has been helpful. I look forward to discussing the specifics of your situation – no obligation or cost. With so much at stake I urge you to Call me now at 310-937-5126 (24/7). If possible, I’ll answer your call myself.

Your ‘Top Gun’ Public Insurance Adjuster,

California Public Adjuster

John Morgenstern
Because you deserve more…

Call me now at 800-602-9915 (24/7)


Q: What about my insurance agent or broker? Shouldn’t this be his job?

No. But it is a common misconception that an agent/broker has expertise in determining value of lost or damaged property. The insurance agent/broker has expertise in sales. Adjusting claims is simply not part of your agent/broker’s job. It’s unreasonable to expect loss adjustment from your agent/broker.

On the other hand, I have put countless hours and effort into education and training. The result is I have an enormous specialized knowledgebase I put to work on your behalf. It makes sense that my daily experience handling, preparing and negotiating claims would result in a higher settlement for you.

I hope this information has been helpful. I look forward to discussing the specifics of your situation – no obligation or cost. With so much at stake I urge you to Call me now at 310-937-5126 (24/7). If possible, I’ll answer your call myself.

Your ‘Top Gun’ Public Insurance Adjuster,

California Public Adjuster

John Morgenstern
Because you deserve more…

Call me now at 800-602-9915 (24/7)