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

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

New Hampshire Public Adjuster | Global Patriot Adjusters

Our Home offices are in Wilton, NH, and we love bringing claims in our own backyard. We serve homeowners and commercial property owners throughout the entire state of New Hampshire. We get around a lot of the country as well. 

“If it can happen, it seems to happen in New Hampshire. Insurance claims are always steady here for that reason.”

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

Here at home, we see claims as diverse as we see around the country.   Just in the last year we have dealt with New Hampshire claims caused by:

• Ice dams
• Roof collapse
• Trees on house
• Roof leaks
• Flood damage
• Fire
• Commercial Building Loss
• Contents claims 
• Mobile home damages
• Gas station damages
• Nor'easter storm damages
• Ice storm damages 
• Furnace smoke damages 
• RV fires
• Bed and breakfast losses
• Inn losses
• Historic home claims 
• Hotel losses
• Factory losses
• Industrial losses
• Commercial fires

• Broken pipes
• Frozen pipes
• Dishwasher leaks
• Fire damage
• Smoke damage
• Chimney fires
• Water heater leaks
• Air conditioning leaks
• Loss by collapse
• Mold damage 
• Plumbing breaks and leaks
• Roof leaks
• Smoke damage
• Storm damage
• Ice storm damage
• Theft
• Tornado damage
• Wind damage
• Vandalism
• Vehicle hitting a building
• Water damage
• Armed robbery
• Home invasion 

New Hampshire gets a fair share of the perils that cause you to file a claim with your insurance carrier. Before you call anyone here at home, give us a call to review your claim and advise you on the next best steps to take. As your Public Adjuster, we work exclusively for you!

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.