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

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