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

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

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.