HOW WE HELP

What we do for you

How we guide you through, how we get you more.

INSURANCE CLAIM

We handle the entire insurance claim process.
SCOPE
We prove the correct scope of work that the insurance company owes you for.

HOUSING

We assist in getting you settled into a like kind and quality, furnished, short term rental property so that you can resume your life.

VALUE

We prove the correct dollar value of the repairs.
INVENTORY
We inventory, picture and catalogue all of your damaged personal property and contents.
REPLACE
We prove the correct cost to replace your damaged personal property and contents as new.
INCOME
We prove the value of your loss of rents or business income loss.
WE GET YOU PAID!
Let us guide you to the most equitable outcome.

Questions you might have

The Insurance Claims Process*
(Basic overview and can vary between companies)

  • Loss. Now What?
  • You are in a negotiation, never forget that.
  • Is it your responsibility to protect your property? Who pays for that?
  • Where am I going to stay?
  • Notify your Insurance Company
  • What is a Sworn Recorded Statement? Can I lose coverage for saying the wrong thing?
  • Set up a time to inspect the property with the assigned insurance company adjuster.
  • Determining the Cause of Loss
INVESTIGATION
  • Do I really have to PROVE the loss?
  • Why won’t the fire department let me in my home?
  • What does the Cause and Origin inspector do?
  • What is subrogation? How does that affect me?
  • Why is my insurance company telling me to hire an expert? Who pays for that and how does that work?
RELEASING THE SCENE
  • Do I really have to PROVE the loss?
  • Why won’t the fire department let me in my home?
  • What does the Cause and Origin inspector do?
  • What is subrogation? How does that affect me?
  • Why is my insurance company telling me to hire an expert? Who pays for that and how does that work?
  • Inspecting the Loss

INSPECTION

  • How can a Company Adjuster write an accurate estimate after only being there for a few hours?
  • What is a Reserve? Why is this important? How can a correct reserve make my whole loss settlement process smoother?
WHAT ABOUT MY CONTENTS?
  • How much contents coverage do I have?
  • How do we value that? How do I get the most money?
  • Determining Your Coverage
  • Was my loss caused by a covered Peril?
  • My insurance company is denying coverage, now what?
  • My policy is so hard to read! How do I know I am using all of my coverage?
  • I have coverage under Coverage A, Coverage C and Coverage D. Do I have any coverage under Coverage B?
  • What REALLY are my limits of coverage? Why didn’t the company Adjuster tell me them?
  • Documenting the Damages/Repair
  • The company adjuster wrote the estimate, isn’t that enough?
  • My adjuster is friendly, but do they really know construction?
  • My contractor says he can get me more money and fix it nicer, am I allowed to change things about my property?
  • Submitting the Damages to the Insurance Company
  • The company adjuster wrote the estimate, isn’t that enough?
  • How long do I have to fix this?
  • It has already been a few months, how long does my temporary housing last?
  • Loss Settlement
  • I was hoping the estimate from the Company adjuster would be more, the Insurance company sent me a check, If I cash it will that be accepting their offer?
  • What is Actual Cash Value?
  • How does Replacement Cost Value reimbursement work? How do I collect that money?

What makes us different?