Contractors Don't Speak the Insurance Language

Many insurance claims run into a dilemma because a contractor usually does not speak the language of the insurance industry.

The insurance industry demands a level of communication that speaks in extreme specifics about all aspects of the claim. We will generally create a report for your property that will be many pages long, while a contractor will generally give you a scope that is a page or two.

This generally is not a problem till late in your claim process. By working with Global Patriot Adjusters we can help you and your contractor to put things in a form that will not slow down your final payout on your claim.

This problem has little to do with the quality of your contractor, but just simply surrounds the lack of knowledge of insurance and it's needs. We can help with this entire problem

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.

The Basement Dilemma for Flood Coverage

For many homeowners with basements, it is another very vital part of the home. For many that have basements that have to file a floodplain it is a troubling reality. The national flood insurance program does not cover finished basements.

Your basement is covered for the most basic of items. For example, all of the walls that had drywall on them in your basement can be put back but not finished and painted as per the national flood program.

Your electrical, air conditioning and heating, water heater, and freezer can all be covered by flood insurance. Your electrical will also be covered as it pertains to the basement and supplying electricity to the remainder of the home. Your flood coverage will often take care of sump pumps as well.

Your coverage will also take care of things you store in the basement and even replace windows that were broken due to storm.

Because of this limitation that is put on basements under the national flood insurance program it is more important than ever to make sure that you use services that we provide a Global Patriot Adjusters to get every dime available for this space. It is just as important to get the insurance company to pay for all items that are comparable in the basement as it is to make sure the insurance provider is paying market rates.

We recently dealt with a basement where the carrier had only offered the homeowners $23,000 for what we assessed at $46,255. But a strong attention to detail and bringing factors to the attention of the carrier, we were able to get this project fully funded.

Amount Differential ($)

We negotiated twice the amount offered by the insurance company on behalf of the insured.

This rule regarding basements, applies to any area in your home that is below the base level of your home. This rule may come into effect if you have any area of your home which is sunken even for an architectural effect.

At times insurance carriers will misappropriate the basement clause in the national flood insurance program. We see many occasions where a first floor is called a basement wrongly, and we must resolve this with the carrier in our scope of services we provide.

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

Understand Flood Coverage and Art/Collectables

Some of the most heart breaking realities we've had to bring to clients surrounds collectibles and art which are not covered my standard flood insurance policies.

The standard flood insurance policy covers $2500 worth of collectibles no matter how many dollars in collectibles your home may have.

Before a flood event happens it is advisable to talk to your insurance agent to get direct coverage on your collectible items that are not covered under the standard flood insurance policy. As many of these items are not replaceable, we also suggest that you move to secure these belongings before any other insured belongings before a flooding event occurs.

Global Patriot Adjusters has counseled many clients pre-storm about these ways to secure these items. We have also shared in the heart ache of many customers who've lost prize possessions that are not insured.

During super storm Sandy we saw Collections, antique furniture, and artwork all destroyed and not replaced by flood insurance.

Please ask us if you have any questions about this standard flood insurance policy and how you can avoid losing valuable collectibles and heirlooms your family owns.

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

Reviewing your commercial insurance policies | Global Patriot Adjusters LLC

Reviewing your commercial insurance policies

After dealing with hundreds of millions of dollars in claims Global Patriot Adjusters LLC finds that commercial claims are among the most problematic in the industry. More often than not we find the commercial policies are lacking in some capacity to fully cover a potential loss for the business.

Marc Lancaric, Public Adjuster & President of Global Patriot Adjusters LLC noted; "We recently dealt with a manufactured house that did not have adequate coverage on half of the buildings on the properties. The manufacturing group had to spend over $400,000 that could have been covered by insurance for an additional $6000 per year. Worse still, the management of this manufacturing group thought that they had coverage on all of their buildings."

We offer a service to commercial clients to review their policies and find where there are holes in their coverage that we can take up or help them take up with their insurance agents.

We encourage everyone to look over the policies from time to time, but in the commercial sector it can be the difference between sustaining a business and having to shutter the doors forever.

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