Ice Dam Insurance Claims - Public Adjuster

Global Patriot Adjusters, LLC handles hundreds of Ice Dam Insurance Claims every year. These are some of the most tedious claims to prove out because the damage is often layers deep in the roofing then building structure. We have handle most of these claims in New Hampshire, Massachusetts, Connecticut, Rhode Island, Vermont, Maine, and New York

Marc Lancaric - Public Adjuster says "Insurance Companies Deny Ice Dam Claims with a bunch of excuses we have learned to overcome!"

Ice dams on roofs form when accumulated snow on a sloping roof melts and flows down the roof, under the insulating blanket of snow, until it reaches below freezing temperature air, typically at the eaves. When the melt water reaches the freezing air, ice accumulates, forming a dam, and snow that melts later cannot drain properly through the dam.

Ice dams may result in leaks through the roofing material, possibly resulting in damaged ceilings, walls, roof structure and insulation, damage or injury when the ice dam falls off or from attempts to remove ice dams.

Reasons Ice Dam Insurance Claims Require a Public Adjuster:

1. The casual way the insurance industry looks at ice dam claims means small settlements.
2. The building is comprised of systems; roof, insulation, walls, structure. These systems have to be addressed in the repairs and damage assessments for ice dam insurance claims.
3. Insurance carriers will often deny or otherwise limit claims based on faulty information of neglect by the owner.

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

Public Adjuster Insurance Notes: Forced Placed Insurance

Public Adjuster Insurance Notes: Forced Placed Insurance

Forced Placed Insurance - Public Adjuster Advice Global Patriot Adjusters, LLC

If your insurance carrier is handling your insurance, you are likely paying too much for coverage that doesn't protect your possessions or your home to a level you desire. This does not mean we cannot be your Public Adjuster, It does mean you should pay attention to this earlier, and seek how to get a policy which protects your contents much better.

Most people with forced placed coverage do not really understand their policy until it is too late.  JP Morgan is slated to pay out $322 Million for charging customers as much 10 times the cost of their insurance! 

Marc Lancaric - Public Adjuster & President of Global Patriot Adjusters suggests; "Talk to an insurance broker about your insurance. Do this for the same reason you hire us as your Public Adjuster, you should always use a professional - and brokers carry liability and thus are generally the most professional in assessing and providing proper insurance coverage for your home of business. "

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

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