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

New Hampshire Public Adjuster | Global Patriot Adjusters

Our Home offices are in Wilton, NH, and we love bringing claims in our own backyard. We serve homeowners and commercial property owners throughout the entire state of New Hampshire. We get around a lot of the country as well. 

“If it can happen, it seems to happen in New Hampshire. Insurance claims are always steady here for that reason.”

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

Here at home, we see claims as diverse as we see around the country.   Just in the last year we have dealt with New Hampshire claims caused by:

• Ice dams
• Roof collapse
• Trees on house
• Roof leaks
• Flood damage
• Fire
• Commercial Building Loss
• Contents claims 
• Mobile home damages
• Gas station damages
• Nor'easter storm damages
• Ice storm damages 
• Furnace smoke damages 
• RV fires
• Bed and breakfast losses
• Inn losses
• Historic home claims 
• Hotel losses
• Factory losses
• Industrial losses
• Commercial fires

• Broken pipes
• Frozen pipes
• Dishwasher leaks
• Fire damage
• Smoke damage
• Chimney fires
• Water heater leaks
• Air conditioning leaks
• Loss by collapse
• Mold damage 
• Plumbing breaks and leaks
• Roof leaks
• Smoke damage
• Storm damage
• Ice storm damage
• Theft
• Tornado damage
• Wind damage
• Vandalism
• Vehicle hitting a building
• Water damage
• Armed robbery
• Home invasion 

New Hampshire gets a fair share of the perils that cause you to file a claim with your insurance carrier. Before you call anyone here at home, give us a call to review your claim and advise you on the next best steps to take. As your Public Adjuster, we work exclusively for you!

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.

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.

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.