Smoke Damage Insurance Claims

Smoke Damage Insurance Claims Why You May Need a Public Adjuster

Marc Lancaric, public adjuster, was at a New Hampshire apartment building where a fire had occurred recently. The owner explained that the insurance carrier had said, “We won't be covering smoke damage beyond the neighboring apartment, this just wasn't much more than a kitchen fire.”

Marc Lancaric, now the owner's Public Adjuster responded “This is a smoke damage insurance claim as much as a fire claim, as per the policy, the insurance carrier is responsible to properly investigate and pay for actual damages, including smoke contamination throughout a property.”

Insurance carriers will commonly quickly dismiss the smoke damage caused by even a small fire in homes and businesses. Smoke is one of the strongest and penetrating in insurance losses. Smoke smell can overtake neighboring rooms, attics, basements, and wall cavities which span a building.

At Global Patriot Adjusters, we properly scope the loss. Frankly, it is easy just to look at the obvious, but we will never be accused of such. We dig deep, to find every bit of damage that should be covered by your insurance carrier. We do bring in a far more dollars on claims that are handled with us!

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

Public Adjuster Commitment To Owners

We had a funny call today from a client. The owner said; “You can't be making money on our claim, with all this hassle — are you going to leave us?”

Marc Lancaric, Public Adjuster and President of Global Patriot Adjusters LLC responded; "We work every claim with a type Commitment to Owners that is not about how profitable your claim is to us, but how well we work as your Public Adjuster.  When we do our work by best practices, with a fact based, owner centered commitment, we build a great company, and support the positive lives of thousands who are damaged by denied and unfair insurance claims!"

He went on to say, "We don't just abandon any client, no matter how hard the negotiations may become!."

A little background on this claim: We had checks flying in for the owners, but we were facing some challenges in getting the client paid for all of their contents.

First understand, Global Patriot Adjusters, handles tens of millions in contents every year. For this particular owner, we even got 3rd party evaluation on many of the items to get the numbers up.

As it happened,  we got a report in from the insurance carrier today that they were paying $25,000 of a $39,000 claim for contents.  We called in some experts for some help, and by five o'clock, we had that number to $36,500. We are always proud when we get closer than others.

It could be said that we are a strange lot! We would certainly agree. Our strangeness is more of a code of honor, as we border on zealots when it comes the settling claims.

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

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.

Advance: Getting a Good Advance on Your Insurance Claim

What is an advance? An advance is an early release of funds before the claim is fully settled.  

When Global Patriot Adjusters takes on your claim, the first thing we do is looking to getting you an advance on the cost of putting your property back together.

We have many tools in our trade that allow us to make sure monies for your claim come in more quickly.

“We will first look to getting an advance for part of the cost of repairs on your claim. At the same time we will look to file your contents claim for any damaged contents right away. We like to see both of these checks arrived for you within the first 30 days of working with you.”

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

Getting an advance on your insurance claim is very important to getting things moving quickly. There often issues that slightly delay the finalization of a scope. With advances we can mitigate this problem and keep the process moving forward.

When you're faced with a loss that affects the quality and consistency of your life, we know you just want to be made whole as soon as possible. This is the very reason Global Patriot Adjusters asks for an advance as a public adjuster. We seek to get you every dollar allowable under your insurance policy.

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