PUBLIC ADJUSTER FOR INSURANCE HAIL CLAIMS

There seems to be a higher and higher frequency of hail damage claims in the United States today. We seem to get hail claims in almost every state we work. As any particular peril rises in cost for insurance carriers, they seem to get more crafty in finding ways to deny a claim.

Marc Lancaric, Public Adjuster & President of Global Public Adjusters LLC  notes: "Hail can cause damage that is not even perceived at the beginning of the process of the claim. We study the condition of the property at a level to find exactly what it is going to take to bring it back to a workable condition. There are lots of mistakes made on hail claims that leave homeowners and properties owners in a lurch."

Another strategy that is regularly used is offering you prices that are below market cost for the repairs due to hail. As with every claim we work at Global Patriot Adjusters, we provide necessary proof to have a claim paid out at correct market rates.

In many cases we find that the insurance companies are trying to say the buildings that are damaged by hail are in disrepair prior to the hail. This allows the insurance companies to depreciate the value of the claim, thus reducing the amount they ultimately pay out to the insured.

We seen this strategy very regularly with hail claims and have many tools at our disposal to remedy this problem. Typically we will be able to get the entire roof system replaced, instead of just addressing particular components.

We Look Forward to Being Your PUBLIC ADJUSTER FOR INSURANCE HAIL CLAIMS! 

Contact Us for quick action on your claim 800-654-3041.

Hiring a Public Adjuster Right After Damage Occurs! Why?

“The biggest mistake a homeowner or commercial property owner makes is not hiring a public adjuster right after the damage occurs.”

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

Hiring us right away will: 

1. Avoid the Pitfalls of going it alone.
2. Generally get you a better Settlement
3. Reduce the headache and stress of dealing with the insurance carrier. 

We are only paid our percentage of the claim for the dollars we collect for the property owner/insured.

When we review your claim, we will be able to find every aspect of your policy that can be accessed for your claim.  Your insurance adjuster will generally not look at your claim the way  we look at a claim as your Public Adjuster.

“You faithfully paid your premiums, and we will faithfully remind your carrier that you should be treated with the same commitment.”

— Marc Lancaric, President of Global Patriot Adjuster

Contact us 24/7 for quick action on your claim 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.

Overhead & Profit — Getting What You Deserve

Overhead and Profit is justified on any claim that shows the need for “Coordination and Oversight”.

Overhead and profit are used by every general contractor. It is part of the business practices of all general contractors and many subcontractors. It is the cost of doing business and the designated profit for doing the business.

Your insurance carrier will often assert that your claim does not merit this payment.

Overhead is generally set at 10%, profit is generally set at 10%

We recently had a client in Massachusetts that received a $240,000 settlement for a commercial claim. To repair the damage to the properties required a well-qualified general contractor who agreed to do the repairs for the amount the insurance company was offering. The base costs was just over $240,000. The overhead and profit added another $48,000 to this total and would be the total responsibility of the owner.

This project more than qualified for overhead and profit based on the need for coordination and oversight.

We brought careful insight to this claim and settle the claim for the full amount needed to pay the contractor. We at Global Patriot Adjusters are proud of our capacity to bring truth to power.

“We will never go quietly in the face of facts which our clients need to receive full payout on their insurance settlements.”

— Marc Lancaric, President, Global Patriot Adjusters

Contact Us for quick action on your claim 800-654-3041.

Reviewing your commercial insurance policies | Global Patriot Adjusters LLC

Reviewing your commercial insurance policies

After dealing with hundreds of millions of dollars in claims Global Patriot Adjusters LLC finds that commercial claims are among the most problematic in the industry. More often than not we find the commercial policies are lacking in some capacity to fully cover a potential loss for the business.

Marc Lancaric, Public Adjuster & President of Global Patriot Adjusters LLC noted; "We recently dealt with a manufactured house that did not have adequate coverage on half of the buildings on the properties. The manufacturing group had to spend over $400,000 that could have been covered by insurance for an additional $6000 per year. Worse still, the management of this manufacturing group thought that they had coverage on all of their buildings."

We offer a service to commercial clients to review their policies and find where there are holes in their coverage that we can take up or help them take up with their insurance agents.

We encourage everyone to look over the policies from time to time, but in the commercial sector it can be the difference between sustaining a business and having to shutter the doors forever.

Contact Us for quick action on your claim 800-654-3041.