Smithfield RI Public Insurance Adjusters

We are helping Smithfield, RI home, condominium, and business owners with insurance claims in these areas:

• Spragueville

• Georgiaville / Esmond

• Greenville

• Town Center / Bryant U

• Other areas not listed — please call us.

Global Patriot Adjusters is a company built to complete the single goal of making sure every dollar deserved to clients from an insurance claim, is given to them. 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.

We work for you to maximize your claim!

Specializing in mold damage, storm damage, ice dams, wind damage, sinkholes, and more — we can help RI policyholders. 

For a FREE CLAIMS EVALUATION for your home, condominium, or business, please fill out the Contact Us form.

“My team is here to help you get the most money for your insurance claims. We work for you!” 
— Marc Lancaric

Global Patriot Adjusters, LLC
Marc Lancaric, President / Public Insurance Adjuster

Luxury homeowners in Smithfield, RI, grappling with flood damage face unique challenges due to the high value and specialized nature of their properties. A public insurance adjuster can be a crucial ally in navigating these complex claims. Here are tailored steps for managing flood damage claims effectively:

1. Immediate Documentation: Begin by documenting all flood damage as soon as it's safe to do so. Use high-quality photographs and videos to capture the extent of water intrusion and the damage to luxury finishes, custom-built features, and high-end furnishings. This comprehensive visual evidence is critical for supporting your claim.

2. Understand Your Insurance Coverage: Review your homeowner's insurance policy in detail, paying close attention to what types of water damage are covered and noting any exclusions or limitations that could affect your claim. Luxury homes often require policies with specific coverage for high-value items that need to be clearly understood in the context of flood damage.

3. Select a Specialized Adjuster: Hire a public insurance adjuster who has experience with luxury properties. Their expertise in dealing with high-value claims and understanding the costs associated with repairing or replacing premium materials and custom features is invaluable.

4. Mitigate Further Damage: Implement measures to prevent further damage while ensuring these actions are in line with preserving the value of high-end elements of your home. This may include professional water extraction and using dehumidifiers to manage moisture. Keep all receipts and detailed records of any temporary repairs or protective measures, as these are often reimbursable.

5. Detailed Loss Assessment: Collaborate closely with your adjuster to develop a detailed loss assessment report. Ensure it accurately reflects the scope of damage and the expected costs for restoring your property to its original condition, considering the quality and exclusivity of materials and design elements specific to your luxury home.

6. Claim Submission and Review: Review the claim prepared by your adjuster before submission to ensure it comprehensively covers all damages and includes accurate valuation for high-end repairs or replacements. A meticulous claim helps prevent delays and disputes with the insurance company.

7. Negotiate Fairly: Rely on your adjuster's negotiation skills to engage with the insurance company. They should advocate for a settlement that truly reflects the high standards and costs associated with repairing a luxury property, ensuring that the compensation meets the actual needs for restoration.

By employing these strategies and working with a competent public insurance adjuster, luxury homeowners in Smithfield can navigate the complexities of flood damage claims more effectively. This ensures that they not only receive fair and adequate compensation but also maintain the high standards and value of their luxurious property.

About Smithfield, RI

Smithfield is a medium-sized town located in the state of Rhode Island. With a population of 21,632 people and four constituent neighborhoods, Smithfield is the 17th largest community in Rhode Island.