Marc Lancaric - Public Adjuster TERMINATED INSURANCE CLAIM DELAYS

Insurance claim delays for clients he represents this month.

It was another powerful month of claims and resolutions for Global Patriot Adjusters, LLC & Marc Lancaric - Public Adjuster & President. We say around the office - that we "Terminated the delays" the "troubles," and the general problems associated with insurance claims. We call Marc Lancaric the "Terminator" for good reason. Any Large Public Adjusting firm needs a leader to set the standard, we are proud that again we have:

• TERMINATED the view of Insurance Adjusters by calling in contractors to give a third-party view of the claim and provide a proper scope.
• TERMINATED  the delays owners were having getting payouts for contents and advances.
• TERMINATED delays in getting overhead & profit payments to insurance holders.
• TERMINATED the lack of assistance the insurance carrier office was providing.
• Terminated the contact the owners faced with the insurance adjuster, let the Public Adjuster speak on your behalf

GET YOUR INSURANCE TROUBLES TERMINATED

Call Global Patriot Adjusters for assistance in any capacity needed with your claim.

How we work:

• Initial Loss Investigation – Identify Cause of Loss (COL)
• Analyze Insurance Coverage – Evaluate your insurance policy and endorsements to ascertain best strategy for maximizing your coverage
• Advise you on clean-up and how to proceed with recovery
• Negotiate with your insurance company for mitigation services, including water damage repair and cleanup, fire/smoke damage and cleanup, mold removal, and other various structural uninhabitable circumstances
• Create detailed report for you and insurance company of all damages resulting from loss
• Summary of costs resulting from property loss and Additional Living Expenses (ALE), which may include hotels, food, etc…
• Clearly explain all policy language:
  • Replacement Cost Value (RCV)
  • Actual Cash Value (ACV)
  • Additional Living Expenses (ALE)
  • Depreciation / Recoverable Depreciation
  • Resolution and any other terminology related to your loss

With years of experience, our ability to bring about quick action from your insurance carrier is our standard of operation.  Your insurance company does not have your best interest at heart.  We have a staff ready to personally handle every aspect of your claim.

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041

Sewer Backup Insurance Claims: A Reminder In Brooklyn, NY

Sewer Backup Insurance Claims

Earlier this week, a two-block area of Brooklyn, NY was affected by a broken water main utility line. The water from this broken line caused some 30 homes to experience from inches to feet in water damage to ground floors and basements. 

This is an occurrence which makes the phones at Global Patriot Adjusters ring with scared and frustrated homeowners. The first question we ask in assessing if the homeowner has coverage for Sewage Backup as a part of Homeowner's Coverage. Sadly, Most Owners Do Not Have This Coverage!

This coverage is what is called and additional rider on your Homeowner's insurance. It usually covers $5,000 to $25,000 for pipe related backups and damage. These coverages usually raise the cost of insurance a very small amount.

“There is simply no wiser insurance addition than sewage backup coverage. If you are served by public utilities, it should be as obvious as fire coverage! If your damage was beyond the insured amount, we would help you in working with an attorney to file for recovery of  your costs from the city utility that caused the damage.”

— Marc Lancaric, Public Adjuster & President of Global Patriot Adjusters

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041

Broken Pipe Insurance Claims | Public Adjuster | Global Patriot Adjusters

Broken Pipe Insurance Claims

Recently, we worked a claim in The Berkshires region of Massachusetts. The Bed and Breakfast called us in after a brief closure of the home had taken place. The "O" ring on a refrigerator had failed. With very high pressure, the ice maker water line began to push water out in to the Bed and Breakfast. 

The water flowed for 9 days and spilled over 15,000 gallons of water in the residence.

The insurance carrier assessed the loss at $25,000.

The owners also had Additional Living Expenses / Loss of Use on the property.

Three weeks after the loss the owners called Global Patriot Adjusters. In three weeks the owners had not been able to get the carrier to release any monies, or give them a better number for the damages. In this same period, the owners had been getting a run around on their additional living expenses payments as well. This was turning into a very big mess.

Amount Differential ($)

We negotiated 3 times the amount offered by the insurance company on behalf of the insured.

We took over the claim and assessed the loss at $79,000. Within two weeks we had an agreed scope, remediation activities, $10,000 in funds as an advance toward the construction work. Within three more weeks we had collected over $50,000 toward the project and it was moving in the right direction to get the business and family back up and running.

“It is not uncommon, to have the first look of the insurance carrier be rather minimal compared to the actual damage found.  It is very important that you not allow a bad assessment of the damages to become the basis of the claim. We make sure it is better addressed with the carrier, so we do not have problems with an unfair settlement.”

— Marc Lancaric, Public Adjuster & President, Global Patriot Adjusters

Some of the greatest problems with these type of pipe breaks and insurance claims come with the thought that it is "a little water on the floor." Very often, it is much worse, much!  Global Patriot Adjusters will handle these claims with a kind of clarity that doesn't leave a homeowner holding the bag!

Contact us 24/7 for quick action on your claim 800-654-3041.