Water Damage

I have water damages. Should I hire a Public adjuster?

You know the popular saying: sooner is better than later.

A house owner called a public adjuster company lately seeking help concerning his claim. He had suffered a large water loss to his home right from the roof to the second one floor and sadly flooding the first floor. He went on to engage an insurance adjuster.

When he called the insurance adjuster, his claim had already been open six months and his claim wasin the final stages but guess what? His claim was being worn down by his insurance carrier. Time had passed and the homeowner was yet to submit his personal property part of the loss suffered due to exhaustion with the claim.

His dilemma went like this:

The first insurance adjuster who is a representative of the insurance carrier, penned down some estimates and issued a check. However, the amount then became insufficient to cover the damage. His claim was after then reassigned to a second adjuster, a second and even a fourth one. Unfortunately as expected, each insurance adjuster made alterations to the repair estimates that they had previously come up with. This lead to the accidental removal of repair items from the estimates of the claim.

Despite the fact that red flags were raised with the first insurance adjuster, the alert degree finally reached extreme when a professional engineer inspected the home after the repairs commenced. Because the engineer did not know what the damage had looked like, he began to remove crucial items from estimates recorded and documented by the first insurance adjuster; which had been adjusted by both the second and third insurance adjuster.

At this point it seemed the claim had spiralled out of control and the homeowner started searching the web for a way out of his predicament and after weighing all available options he discovered that a Public adjuster is what he needs to salvage the situation.

Licensed public adjusters help house and business owners in the preparation, presentation and resolving of their claims with their insurance carriers. A public adjuster fully understands the rights of the insured and just what to do to facilitate a swift claim resolution. An experienced public adjuster is a huge advantage for any claimant because the public adjuster is aware of how insurance agencies operate and how to get along with them throughout the claim process. He does his job alongside the insurance company without any conflict or arguement.

Regrettably, there is little a public adjuster can do to upturn earlier events of the claim scenario being discussesd here due to the long history between the homeowner and the insurance company.

The lesson to be learnt from this scenario is: don’t waste time in getting a public adjuster to look into your claim as soon as you begin to see red flags in your insurance company’s claim findings.

A home owner needs to keep keen attention to an insurance company’s actions from the very beginning of the claim. A homeowner should seriously consider hiring a public adjuster if time he works on getting the claim begins to take up time he’s supposed to be with family or attending to his business affairs.

We all recognize that water damage insurance companies go through the information of water-related damages. Having a grasp of some major information regarding water-damage-related claims is essential. For that reason and more, hiring a Public Claims Adjuster is the best route to go about making claim. The duty of the public adjuster is to critically analyze the whole situation and duly determine the water damage insurance claims for you.

Water is a powerful element of Nature. The earth is made up of about 75% of water and it is very important for life but the negative impact of water as seen in flooding and other water related damages can be devastating. Water damage has become one of the most common reasons of home insurance claim in the United States. For example after a flood or heavy rains, water would be the resultant cause for rotting of wood,leaking roof that would in turn cause damage to property in the house, rusting of steel, de-laminating of materials like plywood, and many other damages.

If the Water harm because of the broken water supply traces, tub or sink overflows or appliance malfunctions that includes water supply traces does not affect human beings, it’s far called clear water harm.

A supply of water that has a huge composition of physical, biological or chemical contaminants and leads to discomfort or illness when exposed or even consumed is known as “gray Water” damage. This kind of damage consists of microorganisms found in the toilet bowls with urine, sump pump failures, seepage due to hydrostatic failure and water discharge from washing machines or dishwashers.

When any area of a house is contaminated by water, that type of damage is refered to as black water damage; and this category of damage is caused by water sources from sewage, sea, rising from rivers or streams, standing or ground surface water. It should be noted that if gray water isn’t immediately removed from the structure or left stagnant beyond 2 days it can result into Black Water. Also, back flow from the toilet originating from beyond the toilet trap is also black water no matter the colour of water being visibly observed.

We all recognize that the water damage insurance companies go through the information of the damages this is why Public Claims Adjuster profoundly analyze the complete circumstance and duly determine the water damage insurance claims.

Prime public adjusters are just a click away. For any questions, inquiries or expert advice on making residential claims, commercial claims insurance, property inspection or expert resolution of underpaid and denied claims. We are here for you. We are Prime public adjusters.

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