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

Sewer Backup Insurance Claims: A Reminder In Brooklyn, NY

Sewer Backup Insurance Claims

Earlier this week, a two-block area of Brooklyn, NY was affected by a broken water main utility line. The water from this broken line caused some 30 homes to experience from inches to feet in water damage to ground floors and basements. 

This is an occurrence which makes the phones at Global Patriot Adjusters ring with scared and frustrated homeowners. The first question we ask in assessing if the homeowner has coverage for Sewage Backup as a part of Homeowner's Coverage. Sadly, Most Owners Do Not Have This Coverage!

This coverage is what is called and additional rider on your Homeowner's insurance. It usually covers $5,000 to $25,000 for pipe related backups and damage. These coverages usually raise the cost of insurance a very small amount.

“There is simply no wiser insurance addition than sewage backup coverage. If you are served by public utilities, it should be as obvious as fire coverage! If your damage was beyond the insured amount, we would help you in working with an attorney to file for recovery of  your costs from the city utility that caused the damage.”

— 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

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.