Maximizing the Size of Your Insurance Claim -

Maximizing the Size of Your Insurance Claim

Maximizing the size of your insurance claim may mean properly valuing  or discovering the depth of the actual damage.

"Maximizing the size of your insurance claim is more of a science project than anything else.  We prove facts, and present them in a way the Insurance company will understand." - Marc Lancaric - Public Adjuster, President of Global Patriot Adjusters, LLC

Yesterday we met with an insurance adjuster for a claim in Nashua, NH. The adjuster sized the claim at $23,500.  We validated our estimate at $41,000 and settled the claim. That defines Maximizing the Size of Your Insurance Claim.

Earlier in the week were working on a Pipe Break claim in Hartford, CT. The Owner thought the claim was going to cost about $43,000 to repair due to a contractor visiting the property who "eye-balled" the estimated cost.    We produced a line by line estimate of the damage to the property to justify the entire claim. The actual claim value was $91,5000.

Early conversations with the Insurance Adjuster look positive for this amount.  The owner is actually getting an Advance for $15,000 this week due to our efforts.

While working with a business owner in Hopkinton, MA, we discovered a second pipe break which was missed by the carrier. The Pipe had lower pressure and had caused a slower release of damaging water.  We were able to inform the carrier and validate the additional damage.  

On commercial claims especially, Maximizing the Size of Your Insurance Claim mean assessing the damage and Loss of Use Policy provisions. The Pitfalls of handling an insurance claim can mean the loss of tens of thousands on the average loss.

Please Contact Global Patriot Adjusters to have us work on Maximizing the Size of Your Insurance Claim. 

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

Insurance Claim Help - Public Adjuster

Insurance Claim Help -  Avoiding the Pitfalls

When you have damage to your home or business, from the first call you make to your insurance carrier, it could be costing you monies on your claim. It seems like it should be simple, but the insurance company doesn't stay in business by paying out big on your claim without a push!

Some of the pitfalls we can help you avoid:

• Taking a settlement less than the proper value of the damage to the building.
• Taking a settlement for building contents for less than what is lost or damaged.
• Avoiding undue limits on your Additional Living Expenses Coverage.
• Avoiding delays by your carrier.
• Avoid problems with records relating to the construction that will cause delays in payment, or denied claims.
• Avoiding making statement that could cause a rejection of all or part of the insurance claim.
• Generally avoiding the hassle of dealing with so many aspects of a claim.

“Your insurance carrier hires professionals to work your claim on their behalf, you should have the same on your side!”

— 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

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.