Fire & Smoke Damage

Fires can be the most difficult and trying times one may ever experience. When a fire happens your life is turned upside down. Relocating your family and documenting a lifetime worth of personal property is an overwhelming process. To maintain their everyday life, one must juggle work, home, and now the insurance companies demand. The process of settling the claim (often for much less than the policy affords) can be devastating. Recovery involves managing mitigation and construction companies, handling your personal property loss, all while trying to maintain your personal life. By retaining a certified and licensed public adjuster immediately, we can meet all adjusters, engineers, and representatives on your behalf, document your personal property with state of the art software and create the maximized estimate your insurance company does not want to see; that’s just the beginning. We will properly navigate your policy to form the best approach for expediting and maximizing your claim payout,… READ MORE

Large Loss-What Does That Mean?

These are all great questions, and as a large loss can be categorized in several different ways, there are several answers. You can look at it by dollar volume, by the size of the affected space or perhaps by the complexity of the loss. Even the size of the overall disaster can result in most all damage in an area being categorized as a large loss. One approach that we’re always aware of is that when property damage has occurred in your home or business, it’s always a large loss to you, so every project we work on is a big deal, and we treat it that way.

Single Structure Loss

  • For definition purposes, we often use $50,000 as a break point of what really constitutes a large loss for a single structure or home.
  • It could also be the number of floors of a multi-story building affected, two or three floors are affected, or
  • The size of the facility and square footage is such that it would constitute and be defined as a large loss.

 Weather Disaster

A real weather disaster that has destroyed multiple homes, communities or even sometimes most of a section of a town or city is fairly easy to understand as a large loss. Some of the more memorable hurricanes and tornados recently have resulted in Billions upon Billions of dollar damage,… READ MORE

Mold Damage Claim

Mold Damage

Whether the mold develops due to climate, flooding, or another property condition – a licensed public adjuster can help you evaluate your options on filing the proper claim with your insurance company in order to receive a fair settlement amount. Don’t forget the burden of from lies solely on the policy holder. The insurance company has their own adjuster why don’t you.

You have recently had some type of water damage in your home or office due to a pipe bursting, roof leaking, or a heavy storm. Hopefully, your insurance will cover the damage. What do you do? First read some information below about mold, because you may not know the implications of water and mold damage.

Molds are a component of a collection of microorganisms called fungi that also includes mushrooms and yeasts. Molds are most recognizable to most people as a type of food spoiler on things such as fruit or bread. Molds are nature’s decomposers in the food chain. Mold requires the following environment to grow:

  • Mold spores (which are always present indoors and outdoors);
  • Temperature range, from 2 to 40 °C;
  • A food supply, which means anything organic such as books, carpets, clothing, wood, drywall, etc.; and,
  • A source of moisture.

The last environment, moisture, is the only real factor to control in most houses,… READ MORE

Roof Damage Insurance Claim

Roof damage insurance claims are complicated for several reasons. Damage to a roof often results in additional damages inside the building, and the age and condition of the roof prior to the event are taken into account when determining the loss. What’s more, the policyholder’s first duty is to prevent further damage.

Research has shown that a modest breach in a building’s envelope can increase internal pressure and result in uplift or a blowout of the wall system. The removal of a roof panel by wind uplift can increase losses by 80% of the total insurance claim. It may be necessary to decide – without the input or authority of your insurance company – to install a temporary or replacement roof. The decision you make and how it’s documented can impact your claim.

U.S. Claims Adjusters understands the issues that are unique to roof damage insurance claims. We help you work with outside experts to ensure you get a fair settlement while managing the insurance claims process and dealing with the insurance company on your behalf. When determining your claim, our claims adjusters take into account the following:

  • Evidence of the insured event (windstorm, fire, hail, etc.) that caused the roof damage
  • The age and condition of the roof prior to the loss
  • Roof type
  • Available maintenance records
  • Building codes

Roof damage can be obvious – such as missing or broken shingles, roof sheathing or roof trusses – or not obvious. Other obvious damage includes an uplifted roof membrane, marks from flying debris or scouring of shingles. No obvious damage includes cracking on the underside of a flat roof membrane or built-up flat roofs that have multiple leaks after a disaster. Torturing of roof equipment, like AC units, can break a roof membrane and cause leaking,. READ MORE