NOR'EASTER INSURANCE CLAIM HELP - Duxbury, Scituate, Plum Island, Plymouth -Public Adjuster

NOR'EASTER INSURANCE CLAIM HELP - PUBLIC ADJUSTER

Duxbury,  Scituate, Plum Island, Sandwich, Plymouth, Salisbury, Hull and Marshfield were severely damaged after the January 3rd, 2014 Nor'easter.  Boston is now up to 26.8” of snow for this winter season, roughly  17” above what we would “normally” as of January 3rd.  

IF YOUR HOME OR BUSINESS WAS DAMAGED BY THE NOR'EASTER THERE ARE CRITICAL STEPS YOU MUST FOLLOW:

1. Take Pictures of Your Damage.

Back up, take wide shots, and take more than you think are needed.  We will usually take over 120 pictures of any loss when we act as your Public Adjuster.  This  is Key to winning a fair settlement.

2. Do Not Throw Away Your Damaged Contents Yet.

Take pictures of the damage to the contents, but do not throw them out prior to proper assessment by your insurance company and Public Adjuster.

3. Wait to Hire Labor for the Repairs - Briefly

We don't tell you not to repair your property, but we do want you to consider key items that will help us settle your claim before you hire the labor to fix the property.  As your Public Adjuster we will help you avoid the pitfalls many experience when entering this process.   Sometimes how you hire labor will determine the speed at which you are paid for your claim by as much as 6 months.

Contact Global Patriot Adjusters, LLC at  800-654-3041

Just as your Insurance company has their own interest in mind, we as your Public Adjuster, only have your interest as our focus!" Marc Lancaric - Public Adjuster  - President of Global Patriot Adjusters, LLC

Contact Us for quick action on your claim 800-654-3041.

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

INSURANCE CLAIM HELP - Before - And - After Your Have a Claim to File!

Before there is a problem the prudent choice is to - Read your insurance policy. Find out what it covers and what it doesn't. Be sure you are covered for the worst possible conditions. This should include Sewer Backup Coverage, Enough coverage for Flood and Homeowners, as well as enough Content Coverage and deductibles that won't break you.

When you have damage to your home and need to file a claim.  

“Absolutely resist the impulse to clean up immediately after the damage. The most important need you must address is taking pictures of the damage.”

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

If you think 10 pictures did the trick to show the damage, multiply this by 10 and take 100. You will never have "too many" pictures of the damage. We could tell you endless stories about not having enough pictures to prove the cause of the loss or the amount of the damage!

Next, you should, with camera in hand, Inventory the damage to the build and the contents. As a rule, your insurance company will not pay for anything over $100.00 if you do not have a picture.

Many people will produce a list of like items saying "5 pairs of men's dress shoes," or "5 sweaters." The story is much more detailed. Those shoes or sweaters were bought at different times and had a different values. If you let them be bundled together, you are giving away thousands in your coverage.

In one example, a property owner had turned in $25,000 in Insurance Content Coverage Items. When Global Patriot Adjusters took on this claim, we were able to break out all the items bundled together, and properly value each. The claim resulted in $56,000 in content coverage submitted and awarded by the carrier. Details always matter, and we know how to bring these details to the attention of the Insurance Carrier.

Absolutely do not throw anything away before you can show these items to your insurance carrier adjuster and to your Public Adjuster.

As your Public Adjuster, we can simplify this process. As your Public Adjuster - we will bring you an award that is much higher, and much less hassle.

This process can be cumbersome for the average homeowner even with the best intention. Marc Lancaric - Public Adjuster TERMINATES may problems felt by those needing to file a claim and often says,"The Insurance Carrier Hires a Professional Adjuster to work your claim, You should have the same - As your Public Adjuster Global Patriot Adjuster will TERMINATE the troubles these claims cause owners who experience an insurance 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

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