Vandalism Insurance Claims - Public Adjuster NH, CT, RI, MA, ME, NY

Vandalism Insurance Claims – Another Reality of Harsh Winter Weather

“The Insurance Carriers often seem deaf to the results of Vandalism.  When we file Vandalism Insurance Claims we backstop the claim with details and follow-up with strategies we have sharpened over hundreds of Vandalism Insurance Claims.  On Vandalism Insurance Claims, you truly need a Public Adjuster.” Marc Lancaric – Public Adjuster & President of Global Patriot Adjusters, LLC.

There is little that can make a home or business owner feel worse than when vandals seeking some sick joy of damaging your property, or theft of the metals that are part of running your heat and power.  For a host of reasons, the winter seems to bring a pronounced increase in Vandalism Insurance Claims.

If you your Home or Business is faced with an untimely attack resulting in Vandalism Insurance Claim, be prepared for a more harsh push back from your insurance carrier than with many other types of Wind and Fire Insurance Claims. 

WHAT TO DO WITH YOU NEED TO FILE VANDALISM INSURANCE CLAIMS:

1. File a Police Report
2. Contact Your Insurance Carrier to let them know you are going to file Vandalism Insurance Claims.
3. If plumbing, Electrical, or Structural problems exist, contact professionals in your area to secure each of these systems in a way to protect your property from further damage.  You will always need to “contain the loss,” to keep your insurance carrier from limiting the claim. 
4. Take lots of pictures.  Take 100 or more of the condition to be on the safe side of being able to prove the loss.
5. Contact us to be your Public Adjuster. The earlier you can contact us the better it will be in bringing about fast action by your insurance carrier handling the vandalism insurance claims for your property.  

WHAT TO EXPECT WHEN YOU HIRE US TO HANDLE YOUR VANDALISM INSURANCE CLAIMS:

When you contact Global Patriot Adjusters, you can expect our team to come alive with action regarding your needs.  We will meet with you, and being detailed course of action. 

• Initial Loss Investigation – Identify Cause of Loss (COL)
  • Replacement Cost Value (RCV)
  • Actual Cash Value (ACV)
  • Additional Living Expenses (ALE)
  • Depreciation / Recoverable Depreciation
  • Resolution and any other terminology related to your loss

• 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

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

Commercial Insurance Claims – Public Adjuster NH, CT, MA, ME, RI, NY

When a business faces the need to file an insurance claim for property damage there is typically an imperative to see the claim handled with speed.  The factors that face  Commercial Insurance Claims are more complex than residential claims and more often have a need to employ a professional to manage the process and advocate for the company.

KEY FACTORS IN COMMERCIAL INSURANCE CLAIMS:

1. Loss of Income  / Continuation of Business during the loss event
2. Loss of Use Coverage Payment from the Insurance Carrier
3. Calculating the correct cost of the repairs and dealing with specific needs to increase the cost of repairs due to time constraints and the need to re-open or fully operate the business.
4. Cash flow during and Commercial Insurance Claim period which can be managed better through speed of claim, and advance payment from the insurance carrier.
5. Code requirement additional cost justification.
6. Payment of depreciation on the Commercial Insurance Claim.
7. Staff costs for managing your commercial insurance claim.

Our staff of Public Adjuster, Support, and Estimation staff are Commercial Insurance Claim Specialists .  We have handled hundred’s commercial insurance claims.

The complexities of Commercial Insurance Claims stand in the way of success for many companies affected by the ravages of nature, robbery, and vandalism.  We handle all Commercial Insurance Claims with speed and a powerful commitment to see the claim settled with at the highest value possible.

When you hire Global Patriot Adjusters to work with your Commercial Insurance Claim, you will pay nothing up front for our services.  In fact, our fees will never be paid until we can collect monies for your Commercial Insurance Claim.

Call Marc Lancaric – Public Adjuster & President of Global Patriot Adjusters.  Mr. Lancaric personally manages all Commercial Insurance Claims for the company.  You can reach Global Patriot Adjuster at 800-654-3041

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

Warming - Watch for Ice Dam Damage - Public Adjuster NH, MA, VT, RI, CT

We are seeing a quick rise in Ice Dam Damage as the harsh cold gives way to more normal coldness.

Warming - Watch for Ice Dam Damage - Public Adjuster NH, MA, VT, RI, CT

"Ice Dams damage happens in the most elusive way! Most of these claims get larger by the minute because owners don't know they are having the issue until it has caused a great deal more damage.  For some reason, Ice Dam Damage Insurance Claims require us to stand tall for property owners... insurance companies tend to pay far too little for these claims before we do our pushing" Marc Lancaric - Public Adjuster & President of Global Patriot Adjusters, LLC.

Learn more about these types of claims here and call on us if Ice Dam Damage visits your business or home.

Global Patriot Adjusters settle Ice Dam Insurance Claims Quickly.

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 Companies Stacking The Deck Against You - Public Adjuster

The Power of using a Public Adjuster

If you were being sued the opposing attorney would love to know that you were representing yourself. Chances are good,  your insurance company feels the same way.

Your insurance company uses professional adjusters to protect their interests – you should have the same or better on your side.  As a Public Adjuster, Global Patriot Adjusters, LLC. only represents your interests in collecting a fair amount for the damage of your property.

Your insurance company hires an Independent Adjuster (IA)

The IA represents the insurance carrier only by reporting the size of your claim.  This Adjuster is generally paid by the size of your claim. He/She will tell you, there is no reason for the Insurance Adjuster to limit the amount of your claim, especially since his/her income derives from this amount.  On the face, this seems logical.

When you dig a bit deeper, you have to understand that the IA works over and over for the same insurance company.  This recurring relationship forces the IA to work more closely with the will of the insurance carrier than their own, quite literally to make certain the insurance company keeps giving him/her business.

This week we worked to maximize claims, as usual.  When we advocate for clients as a Public Adjuster, we simply have the carrier work under the provisions of the insurance policy.  We give them no out.  We do this, by proving our case for damage repair. Here are just some of the things we had to work out this week as our client's Public Adjuster.

Milford, NH Insurance Claim

The Insurance Carrier did not want to pay for the owner's granite countertop that was broken while being removed by the contractor who was repairing damage from pipe break claim.

We answered this denied portion of the claim with care and turned the denial into an approval for $6,200

Lowell, MA Insurance Claim

The IA for the Insurance carrier claimed the damage from a Vandal was $31,500. He was holding fast to the number. We were able to get a 3rd opinion, and back it up our assessment with more proof. We moved the approval up to $79,000

Bridgton, ME Insurance Claim

The Insurance Adjuster claimed the owner of a restaurant was not allowed, under the policy, to receive payment for damages to equipment that were hurt when a tuck hit the back of the building. By going directly to the carrier and working this out with respect and skill, we were able to get the denied claim reversed.

As the Public Adjuster, we were able to turn this around in a way that also helped the owner to get temporary heating and ventilation paid. This meant the restaurant could replace equipment, fix the building, and keep running all but one day. This is what the insurance policy said they should get, and as their public adjuster, we made certain full coverage is what they got!

We could go on about the negotiations we did this week. This should give you a good idea about what it means to have a Public Adjuster on your side.  Simply Said:

Your insurance company uses professional adjusters to protect their interests – you should have the same or better on your side.  As a Public Adjuster, Global Patriot Adjusters, LLC. only represents your interests in collecting a fair amount for the damage of your property.

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