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 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

Interview: Marc Lancaric, Public Adjuster & President of Global Patriot Adjusters

What States do you operate in?

I work in New Hampshire, Massachusetts, Rhode Island, Vermont, Maine, Connecticut, New York, Louisiana, Georgia, Florida.

What prompted me to be a public adjuster?

In 2009 we had a claim at our house and I could not believe how we were handled by our insurance company. That is when I started looking for help and found a public adjuster to help us through the process. After taking with our public adjuster She explained to me that through the experience of my background in construction this would be a perfect fit for me.

Why do Residential and Commercial property owners contact you for public adjusting services?

We are contacted by those clients as they find out fast that an insurance claim is a full-time job. The complexity of a claim is a process that you don’t want to undertake on your own. We make the life of the Insured a lots less stressful through our approach.

We get the client back to pre-loss condition faster.

How long does the process usually take?

That is a great question. There is no true answer to that question as it depends on the complexity of the loss. It can take a couple of weeks to a couple of months.

Do people who use Public Adjusters get more money?

Yes they do, studies show that using a public adjuster can get anywhere from 300%+ more money on any given loss.

What are the largest pitfalls that owners find in dealing with Insurance companies?

The lag time in claims settling, the lack of respect for one’s home and how the people occupy their properties. The underestimating of the losses and the insured’s just don’t know how to deal with it. They also have an agenda, that is to protect the interest of the Insurance companies, not the home or business owner damaged by the loss.

What makes Global Patriot Adjusters special, or different from many others?

Our Mission says everything about what makes us different. I think I will answer with this; Global Patriot Adjusters is a company birthed and built on the single goal of fanatically bringing every dollar deserved to clients from an insurance claim. We maintain the best reputation in the public adjuster business because we take every claim for every client as a project with personal ownership and accountability.

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

Brutal Winter Insurance Claims In the NorthEast | Global Patriot Adjusters

Global Patriot Adjusters works claims across the North East United States year round.

Marc Lancaric, Public Adjuster & President of Global Patriot Adjusters says: "As soon as Winter arrives, the fire alerts start, shortly followed by plumbing failures... then building collapse and tree damage.  All of these seems to be some of the most low settlements from the insurance carriers.  In most of the cases, these are claims that deserve more, not less!"

Claims often are difficult to work without a Public Adjuster because: 

1. Winter makes for slow response times from insurance adjusters and contractors. We will help to move this along, and make sure your insurance group is paying for your additional costs during the winter.
2. Winter claims can come from multiple perils on commercial and residential policies more often. We help to overcome complexity by careful examination. "

We can't say enough about the complexity of the claim. There are times when our staff gets really dirty in the process of getting a claim on paper. We do the dirty work no matter how tedious!

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.