Insurance Policy Review -New Years Resolution

Insurance Policy Review — Like money in the bank! 

This is the season for New Year's Resolutions, as our friends at the Merlin Law Group suggested in an article by  Shane S. Smith, Esq..  Ms. Esquire Notes "The New Year is a time when many people commit to a New Year’s Resolution to do something different, or have set specific goals they would like to achieve in the New Year. Maybe you have set a goal regarding improving your health or personal finances. However, have you thought about a resolution to review your insurance policies?"

The heartbreak of being under insured after a damage to your property yields the owner and the Public Adjuster with problems that cannot be remedied.

We encourage owners to have an insurance policy review bi-annually to assure conditions do not change that could cost at the time of insurance covered damage.

Talk to your insurance broker and ask for an insurance policy review to include: 

• Do I have enough coverage on my building for all potential perils?
• Do I have enough coverage for my contents?
• Do I have enough coverage for loss of use or additional living expenses if I must be away from the property?
• Can I get a reduction in my cost of insurance by doing something with my home, windows, structural, or security system?
• How much does the maximum for sewer backup coverage?
• Check your deductibles, make certain they are not so high you cannot afford them.
• Make certain all the buildings on your property are covered.
• Make certain you are covered for specific high value items in your home; Antiques, Fine Art, Jewelry, etc.

This entire process will not take long, and will assure you that a loss at your home or business does not become a loss to you personally. Insurance carriers deny claims, Global Patriot Adjusters, as your Public Adjuster fights these denials with great success. Our ability to settle insurance claims is enhanced when overages are appropriate for the eventual loss situation.

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.

INSURANCE CLAIM HELP - Before - And - After Your Have a Claim to File!

Before there is a problem the prudent choice is to - Read your insurance policy. Find out what it covers and what it doesn't. Be sure you are covered for the worst possible conditions. This should include Sewer Backup Coverage, Enough coverage for Flood and Homeowners, as well as enough Content Coverage and deductibles that won't break you.

When you have damage to your home and need to file a claim.  

“Absolutely resist the impulse to clean up immediately after the damage. The most important need you must address is taking pictures of the damage.”

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

If you think 10 pictures did the trick to show the damage, multiply this by 10 and take 100. You will never have "too many" pictures of the damage. We could tell you endless stories about not having enough pictures to prove the cause of the loss or the amount of the damage!

Next, you should, with camera in hand, Inventory the damage to the build and the contents. As a rule, your insurance company will not pay for anything over $100.00 if you do not have a picture.

Many people will produce a list of like items saying "5 pairs of men's dress shoes," or "5 sweaters." The story is much more detailed. Those shoes or sweaters were bought at different times and had a different values. If you let them be bundled together, you are giving away thousands in your coverage.

In one example, a property owner had turned in $25,000 in Insurance Content Coverage Items. When Global Patriot Adjusters took on this claim, we were able to break out all the items bundled together, and properly value each. The claim resulted in $56,000 in content coverage submitted and awarded by the carrier. Details always matter, and we know how to bring these details to the attention of the Insurance Carrier.

Absolutely do not throw anything away before you can show these items to your insurance carrier adjuster and to your Public Adjuster.

As your Public Adjuster, we can simplify this process. As your Public Adjuster - we will bring you an award that is much higher, and much less hassle.

This process can be cumbersome for the average homeowner even with the best intention. Marc Lancaric - Public Adjuster TERMINATES may problems felt by those needing to file a claim and often says,"The Insurance Carrier Hires a Professional Adjuster to work your claim, You should have the same - As your Public Adjuster Global Patriot Adjuster will TERMINATE the troubles these claims cause owners who experience an insurance 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

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

Brutal Winter Insurance Claims In the NorthEast | Global Patriot Adjusters

Global Patriot Adjusters works claims across the North East United States year round.

Marc Lancaric, Public Adjuster & President of Global Patriot Adjusters says: "As soon as Winter arrives, the fire alerts start, shortly followed by plumbing failures... then building collapse and tree damage.  All of these seems to be some of the most low settlements from the insurance carriers.  In most of the cases, these are claims that deserve more, not less!"

Claims often are difficult to work without a Public Adjuster because: 

1. Winter makes for slow response times from insurance adjusters and contractors. We will help to move this along, and make sure your insurance group is paying for your additional costs during the winter.
2. Winter claims can come from multiple perils on commercial and residential policies more often. We help to overcome complexity by careful examination. "

We can't say enough about the complexity of the claim. There are times when our staff gets really dirty in the process of getting a claim on paper. We do the dirty work no matter how tedious!

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