Property Damage Claims Tips

What is property damage? Property damage is an insurance policy which pays for damage caused to the property owner.  This can include home damage, damage to commercial buildings, material contents stored in property when the damage occurred, and vandalism.

BASICS

I cannot stress enough how critical it is that you know what your policy does and does not cover before property damage occurs. It is an important step to make sure that you have enough coverage in the areas where your home or building may be most susceptible.  The environment in which your property rests must be taken into consideration when going over the types of coverage you  need.

Here are top property damage claims preparation tips to keep in mind:

Select proper coverage! This is  critical so make sure that your policy is thoroughly explained to you and that you understand all limitations and coverage. Make sure to have an amount that is an excess of what you own.  Remember that antiques are usually not covered in basic property insurance so if you own antiques you will want to get what is called a rider to add coverage in this area.  If you cannot get your insurance company to go over and explain your policy to you, a public adjuster here at Priority Adjusters will be more than happy to review this for you for free.

It’s important to keep your policy in line with updates to your inventory i.e., the latest purchases.  If you have an existing policy that you have not evaluated in sometime, it is recommended.  You can always get limit increases and more coverage if necessary.

  • Know what your policy deduction is.  Is it something you can actually pay if needed?
  • Basic home owner policies generally do not cover flood damage and earthquakes. Be sure to ask your carrier about this.
  • When Its Time To Call A Professional

Should you have an incident of property damage and need to file a claim you can find information about how to file a property claim here.  For the quickest results it is important you contact a professional public adjuster first.  A public adjuster is experienced in settling claims.  They will get your claim filed, come to your home to assess damage, take pictures if necessary and act as the second opinion necessary in receiving a proper settlement to your claim.  A public adjuster works with emergency restoration services on a regular basis so they can quickly get the ball rolling on repair and clean up.  Insurance companies generally expect to pay a higher cost for emergency services. Your contractor should bill them directly.

Remember, you insurance will pay the minimum on your claim unless they are properly challenge.  This is where having a insurance claims adjuster on your side is vital to your property damage claim. Your insurance company is under obligation to pay for your damaged property.  At the same time they are a business so they are in it to make money.  An independent property damage claim specialist such as a public adjuster will help immensely in this matter.

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 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.

Filing A Property Damage Claim

Public Adjuster Image

Do you have property damageBusiness property damage, commercial property damage, industrial property damage, and even home property damage is something no one or corporation is ever totally exempt from.  Natural disasters happen. Things eventually wear out and break down over time.  Vandalism and theft happens.  This is one of the many reasons property owners and homeowners purchase insurance.

If your home, business or industrial property has been affected by property damage or especially  water damage, many try to sort through all of the confusion themselves often settling for less without knowing there is someone to help.  If you have found yourself in a situation where you have sustained damage to your property, a Public Adjuster is the first person you need to speak with.  Why?

First, let’s go over some of what is involved when damages occur.  You will need to contact an emergency contractor.  Before the contractor arrives you will need to take lots of pictures and give an extensive account of all details you observe from the damage, so write everything down!

You will need to go back over your insurance policy to ascertain what is and is not covered.  Some types of property damage is not covered by all insurance so you will need to make sure of which policy covers the specific damages you have sustained, and proceed according to the proper contact(s).  It is not uncommon for some types of insurance to require a rider.

Next you will have to make many phone calls and in many cases wait on hold for an extended amount of time, deal with voicemails, no call backs, and run arounds to name a few.  Also, be expected to receive low-ball offers from the insurance company once the claim is filed and processed.  Be wary of these.  Many will offer you a partial check that states in legal terms that by expecting the low payment that you are agreeing to payment in full by cashing that check, so be careful!  However, there is no need become any more frazzled then you may already be from the damage.  A Public Adjuster will not only file your claim, get processing underway, but also assist in coordinating any contractors that need to be involved as well as other aspects of your case.  This is our specialty. We will advise you on all aspects of your damages and claim. We work hard to not only get you a quick payment, but on average it is much higher than anything the policyholder would receive on their own.

Here at Priority Adjusters, we have the experience and education in dealing with insurance so there are no missteps.  We are  highly trained  as to how to report claims so that it gets open and filed right away.  A Public Adjuster does not get paid until you do, so there is no reason not to give us a call.  For more info you may contact us here.

Priority Adjusters Inc. Launches New Website

Press Release

Priority Adjusters Inc. Launches New Website

Public Adjuster firm to use technology in effort to elevate industry awareness among residential and commercial property owners, many of whom suffer greatly due to lack of consumer education.

Los Angeles, CA July 25:  Priority Adjusters Inc. departs from industry norms directly offering consumers perhaps the U.S.’s most comprehensive and user friendly online educational resource for homeowners and property owners who have suffered – potentially catastrophic – losses and want the latest information on how to obtain the highest possible fair insurance settlement to which they are entitled. Information categories to include:

  • Commercial property damage claims
  • Fire property damage claims
  • Water property damage claims
  • Storm property damage claims
  • Natural disaster property damage claims
  • Flood property damage claim

Los Angeles –

California Public Adjuster firm Priority Adjusters Inc. launches a new Website today directly targeting property owners who have suffered loss or damage to their home or business.  The firm’s ambitions for the site are to provide much needed industry awareness and education. The site will rapidly be developed into the top destination for property owners seeking a Southern California Public Adjuster.

The top-rated Public Adjuster team is committed to helping homeowners and property owners obtain the highest possible insurance settlement to which they are entitled. Public Adjusters are State licensed experts in calculating costs of property damage. Unlike other parties involved in an insurance settlement, a Public Adjuster works solely in the best interest of the property owner.

Despite the critical role for Public Adjusters in the insurance settlement process, consumers are largely unaware they exist. As a result, property owners often experience rejection of legitimate insurance claims or they unfairly receive low settlement amounts.

Priority Adjusters Inc. aims to use the new website as an educational tool and resource hub for consumers. The new site will be updated regularly with news, tips and trends of concern to property owners in Los Angeles County, Orange County, Riverside County and Ventura County.

“Even the best CA Public Adjuster has a miniscule marketing budget compared to Big Insurance,” says Public Adjusters Inc. President John Morgenstern. “I hope to use this site to level the playing field and give property owners a fighting chance after they have suffered a serious property loss – residential or commercial. Since most folks actually don’t know what a public adjuster is, we have a long way to go.”

Simple Intuitive Navigation

The new Public Adjuster site is designed with the understanding many users will first visit within hours of experiencing a major – possibly catastrophic – loss to home or commercial property. “Site design must be simple, helpful and clear in order to respect the users inevitable stress level,” says Morgenstern.

Users can rapidly navigate “Frequently Asked Questions” page dedicated to delivering comprehensive answers to users seeking insurance settlement FAQs. “About Me” page gives users an ability to learn more about the firm and its president in order to determine how to proceed. “Request a Free Consult” is visible throughout the site to give property owners an easy method to ask questions specific to their property loss.

“Everyone deals with property damage differently so our phone number appears throughout the site,” says Morgenstern. “The entire point is to educate and offer a safe hassle-free consultation to help the home / commercial property owner answer the question, ‘how do I know if I need a Public Adjuster?’”

Online marketing team

Public Adjusters Inc’s online marketing development team. led by Ryan Rockwood, has been developing the new design.

“Our sincere hope is the new site gives folks the confidence to spend a few moments learning about this little known industry,” says Ryan Rockwood, web production manager. “In order to educate folks on their own terms, this site aims to offer text, photos, video, news and feature stories. Customers can interact by phone, commenting or by email.”

The site’s homepage currently features comments by Public Adjusters Inc President John Morgenstern on the recent reopening of a wilderness park scorched by the recent Glendale Fires, also called the Station Fires. Even 10 months after the fires, Morgenstern continues meet Glendale homeowners seeking better insurance settlements following the Glendale fires.

Note: Access the new Public Adjuster Website at public-adjuster.net to learn more and to schedule a complimentary consultation.

About Priority Adjusters Inc.

Los Angeles Public Adjuster firm Public Adjusters Inc serves home owners and property owners in Los Angeles County, Orange County, Riverside County and Ventura County. The Southern California Public Adjuster firm is dedicated to helping property owners maximize insurance claims and protect their interests in the insurance settlement process.

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)