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 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.

Florida Public Adjuster Representation in Citizens Property Insurance Corporation Claims Extends the Time to Reach a Settlement and Also Increases Payments to Citizens’ Policyholders

This report, from the Florida Office of Program Policy Analysis & Government Accountability shows some benefits for policy holders who use Public Adjusters In Florida. Global Patriot Adjusters, licensed in Florida, knows the details of handling claims in Florida through years of experience.

Florida is similar in many ways to other states in the handling of Public Adjusters and Rules for handling claims. This said, Florida has some very specific regulations that can catch policy holders in a fix.

“In Florida, speed to acting after a claim can be your most important strategy for a quick settlement of a claim.”

— Marc Lancaric, President of Global Patriot Adjusters

Contact us 24/7 for quick action on your claim 800-654-3041.

Your Insurance Company Will Tell You to be Patient - We Disagree

Your Insurance Carrier's Adjuster that comes to see you after the claim will often tell you to be patient. It's important understand that when you are in the middle of of an insurance loss some time will transpire while getting everything in order to get you back in your property. At the same time it is important understand that many of the delays that your insurance carrier may put you through are not necessarily are proper. Your Insurance Carrier Will often Say “We are not here to deny coverage, we are here to find coverage.” It is somewhat more fair to say, the Adjuster provided by your Carrier provided is working to please the insurance carrier first, not you.

When Global Patriot Adjusters is called to assess your property, we will do so rapidly and bring about immediate action with your insurance carrier. During times of extreme weather events the entire industry slows due to the volume. It is during these times when your insurance carrier will often give you long lead times on when your claim will be settled.

When you hire us we work for you. Although your insurance adjuster provided by your insurance carrier may not be looking to withhold any coverage from you, he does not work for you. This is a very key difference between the role of the public adjuster and the role of the carrier or independent adjuster.

Consider this anytime you have a claim. Your insurance carrier has a professional advocated for them, you should have the same.

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