When Should I Hire a Public Adjuster?

Understanding when to hire a public adjuster is the first strategic move in your claim process. Every decision plays a role in the pursuit of fair compensation for your property damage. We unravel the layers of timing – from the initial moments of property damage to the complexities of denied claims. 

Timely Claims Assistance

Understanding the Role of a Public Adjuster

Before going into the timing aspects, it’s crucial to comprehend the role of a public adjuster. These professionals act on behalf of policyholders, assessing and negotiating insurance claims aiming to earn a fair compensation for property damage. Their experience in the claims process can make a significant difference in the outcome. 

Immediate Action after Damage Occurs

Swift action is vital when property damage occurs. While policyholders might be tempted to start the claims process independently, involving a public adjuster from the start can streamline the process. A public adjuster’s early involvement aims to make a thorough assessment of the damage, setting the stage for a comprehensive and well-documented claim.

Before Filing a Claim

Policyholders often question when is the right time to bring in a public adjuster. Ideally, it’s before filing a claim. By consulting with a public adjuster beforehand, you benefit from their expertise in evaluating policy coverage, estimating potential damages, and strategizing the most effective approach. This proactive step can significantly impact the outcome of your claim. 

Denied or Underpaid Claims

If your insurance claim has been denied or you feel the compensation offered is inadequate, it’s not too late to hire a public adjuster. These professionals excel in reevaluating claims, identifying discrepancies, and negotiating on behalf of policyholders. Their involvement can lead to a fair resolution and the compensation you rightfully deserve. 

Complex Claims and Policy Understanding

Insurance policies can be intricate, and navigating complex claims requires a deep understanding of the language and nuances within. Hiring a public adjuster becomes crucial when faced with intricate claims, aiming for every detail is thoroughly examined, and your interests are protected. 

Premier Claims encourages policyholders to consider engaging a public adjuster early in the process or, if needed, at any point when challenges arise. Our team stands ready to provide the expertise and guidance necessary for the intricacies of the claims journey. Don’t wait; connect with Premier Claims today for a smoother, more informed claims experience.

Untold Advantages of a Damage-Free Inspection

Property inspections are a crucial part of the insurance claims process, providing an accurate assessment of a property’s condition. For property owners, the fear of discovering damage can be daunting. Inspections that lead to no damage can leave a property owner relieved, yet frustrated by the time spent in getting the inspection done. However, receiving a damage-free inspection report is valuable and can lead to more benefits for the policyholder.

Understanding the Inspection Process

Property inspections serve to assess the condition of a property and complete documentation. When conducted by experienced professionals, these inspections help in identifying potential issues that might not be visible to the untrained eye. Insurance companies use these findings to determine coverage and policyholder benefits.

No Damage, No Worries

Discovering no damage during an inspection can provide policyholders with peace of mind. It means that their property is in good condition and doesn’t require immediate repairs. This situation also prevents the hassle of filing claims, which can be time-consuming and emotionally draining.

Proactive Maintenance and Preventing Future Issues

A damage-free inspection is an opportunity to continue proactive maintenance. Policyholders can use this information to reinforce their property’s resilience against future risks. Regular maintenance and addressing minor concerns, guided by the inspection results, becomes a strategic investment in potentially minimizing the likelihood of extensive damages.

Creating Baseline Evidence

A damage-free inspection provides baseline documented evidence of the state of the property. Should the property experience future damage, the prior damage free findings serve as evidence to support future insurance claims filed on the property. Brent Roberts, Inspections Manager at Premier Claims, recommends, “In the event of future damage to a property, it’s ideal to have a prior thorough inspection that resulted in no- or minimal damage to the property. This provides a good baseline of documentation, and photo evidence, can be compared with new evidence to identify all damage.”

Lower Insurance Premiums

Regular inspections with no reported damage can reflect positively on a policyholder’s insurance profile. Proactive property maintenance could lead you to lower premium options. By demonstrating the property’s well kept condition over time, policyholders can potentially secure more affordable insurance rates. In addition, a history of minimal claims reflects responsible property ownership, potentially enhancing the policyholders standing with the insurance company.

Empowerment through Knowledge

Being informed about the property’s condition empowers policyholders to make strategic decisions. Armed with this knowledge, they can better understand their property’s vulnerabilities, improve its resilience, and make informed choices regarding insurance coverage and risk management. Policyholders should view inspections as an opportunity to understand the true condition of their properties.

While discovering damage can be concerning, a damage-free inspection can be equally as valuable. It signifies a well-maintained property, potential cost savings on insurance premiums, and a positive impact on the policyholder’s overall insurance history. If you have any questions or concerns regarding property inspections, claims management, or insurance policies, don’t hesitate to reach out to our team. We are here to educate, guide, and provide peace of mind to policyholders across the nation.

Unlock Savings: Property Owners Reduce BIG Premiums

In the complex landscape of insurance, property owners are discovering a powerful way to reduce premiums without sacrificing coverage: by reviewing their insurance policies. Discover the essential strategies empowering property owners to understand their policy coverage as we explore the intricacies of insurance policies.

Understanding Your Policy

Insurance policies consist of various components, including deductibles, coverage limits, and endorsements. Understanding these elements allows property owners to assess their policies effectively.

Deductibles

High deductibles often result in lower premiums. However, property owners should evaluate their financial capacity to cover the deductible in the event of a claim.

Coverage Limits

Reviewing coverage limits ensures adequate protection without overpaying for excessive coverage. Assess the property’s value and adjust coverage limits accordingly.

Endorsements

Additional coverages can be added through endorsements. Evaluate the necessity of endorsements based on the property’s specific needs to avoid unnecessary expenses.

Regular Policy Reviews

Insurance needs can evolve over time due to changes in property value, renovations, or lifestyle. Regular policy reviews, ideally conducted annually, allow property owners to align their coverage with their current requirements. By staying proactive, policyholders can identify potential areas for savings to reduce premiums and optimize their coverage.

Risk Mitigation Strategies

Implementing risk mitigation measures can lead to lower premiums. Property owners can consider:

Security Systems

Installing security systems, such as alarms and surveillance cameras, can reduce the property’s risk, leading to potential premium discounts.

Maintenance

Proper maintenance, including roof repairs, electrical updates, and plumbing improvements, demonstrates responsible property ownership and can result in reduced premiums.

Bundling Policies

Combining multiple insurance policies (e.g., property and auto) with the same insurer often results in substantial discounts, making it a cost-effective choice for property owners.

Policy Shopping and Comparison

Periodically shopping for insurance quotes and comparing policies from different providers is a proactive approach to securing competitive premiums. Additionally, it’s essential to obtain quotes from reputable insurers, ensuring a balance between cost and coverage quality.

Consulting with a Public Adjuster

Engaging a public adjuster, like those at Premier Claims, can significantly impact premium savings. Public adjusters have in-depth knowledge of insurance policies and can guide the policyholder on to best protect themselves and their property. Their expertise aids policyholders attempting to receive fair treatment and optimal coverage for their premiums.


Property owners who invest time in understanding their policies, conducting regular reviews, implementing risk mitigation strategies, and exploring their options can achieve significant savings on premiums. By staying informed and proactive, property owners can make educated decisions that lead to substantial financial benefits.

Our team of seasoned public adjusters are on standby to assist you through the complexities of insurance coverage. To provide you with a comprehensive and accurate review of your policy, we invite you to complete our policy review. Subsequently, our team members will review your policy in-depth and reach back out to go over their findings at your convenience, allowing you to get the help you deserve!

 

 

Involving Legal Professionals in Your Claim

Is Involving Legal Professionals Necessary for Your Insurance Claim?

While the optimism of seeing the world through rose-colored glasses may suggest otherwise, the complexities of insurance claims can make legal assistance invaluable. Discover why having someone advocate for your best interests is crucial in the modern insurance landscape, where carriers aim to protect every cent.

Public adjusters typically handle claim advocacy effectively, rendering attorney involvement unnecessary. However, there are scenarios where legal assistance becomes vital:

Coverage Denial and Refusal to Negotiate

In instances where insurance coverage is denied or negotiations are refused, consider involving legal professionals. Legal professionals work to challenge denials, advocating for policyholders’ right to secure the coverage they’re entitled to. Legal professionals can also engage in negotiations with insurance carriers, striving for a settlement that is fair and reasonable.

Policy Interpretation Issues

Insurance policies often involve intricate language open to interpretation. Legal assistance becomes essential when disputes arise over policy terms. Attorneys can provide clarity on policy language, aiming to safeguard the rights of policyholders and that carriers adhere to the agreed-upon terms.

Bad Faith Practices by Insurance Carriers

Bad faith practices occur when an insurance carrier acts dishonestly or unfairly toward a policyholder. This includes unreasonably delaying claims processing, undervaluing claims, or wrongfully denying valid claims. Legal professionals can identify and challenge such practices, holding carriers accountable for acting in good faith and aiming to maintain fair treatment throughout the claims process.

Beyond the situations highlighted above, there are less apparent, yet valid reasons to consider legal counsel. Chip Merlin of Merlin Law Group, discusses one of these less apparent reasons in his blog “Insurance Company Claims Adjuster Bonus Programs and Criteria.” Some carriers may incentivize adjusters to underpay claims, making it crucial to involve legal representation. Legal professionals can file discovery motions to uncover any undisclosed bonuses that may compromise the fairness of claim payouts.

Uncovering these bonus programs may be challenging, as carriers often attempt to disguise them. An attorney, equipped with the expertise to refine discovery requests, can reveal less savory bonus programs. While not every claim requires legal intervention, having an attorney available ensures that, if needed, assistance is just a phone call away.

Explore the nuances of public adjusting claims and understand when legal involvement can make a significant difference in securing a fair and favorable settlement.

By: Ashley Balsbaugh | Associate Attorney

Prepare Your Property for Winter: A Comprehensive Guide

As we officially settle into fall it’s time to think about the ways you can prepare your property for winter, because it will be here before you know it. Property owners in the Northern Hemisphere face unique challenges, such as the changing weather patterns, which demand proactive measures to safeguard their property from potential damage. At Premier Claims, we understand the importance of preparation. We’ve combined our experiences with essential insights to create a comprehensive guide tailored for business owners. Ensuring your property’s safety and resilience during winter is not just a necessity; it’s a strategic investment.

Winter Essentials for Commercial Properties

Protect Your Pipes from Freezing

Frozen pipes can lead to costly damage. Maintain a consistent indoor temperature above 55 degrees, even when the building is unoccupied. To ensure that unwanted cold air stays out of your property, regularly inspect your building for cracks or holes in seals. Swift repairs can prevent pipe bursts and potential water damage.

Roof and Gutter Maintenance

Inspect your business roof and gutters for any signs of wear and tear. Clean out leaves and debris from gutters to prevent water buildup, which can lead to roof damage and leaks. Ensure that your roof is free of loose shingles or tiles, as they can be easily dislodged during storms.

HVAC System Checks

As the temperatures drop, your heating, ventilation, and air conditioning (HVAC) system will be working overtime. Schedule a professional inspection to ensure it’s in optimal condition. Clean or replace filters and clear vents to maintain efficient airflow, reducing the risk of system failures.

Landscaping and Outdoor Features

Trim tree branches and remove dead vegetation around your property. Fall is a good time for pruning, ensuring that heavy branches won’t fall and cause damage during winter storms. Secure outdoor fixtures, signage, and furniture to prevent them from being damaged or becoming hazards in strong winds and snow storms.

Emergency Preparedness

Review and update your emergency preparedness plan. Ensure all employees are aware of evacuation procedures, emergency contacts, and the location of emergency supplies. Regular drills can reinforce safety protocols, ensuring everyone knows what to do in case of severe weather events.

Policy Review

Before winter sets in, it’s crucial to review your property insurance policy. We recommend having your policy reviewed by a professional to confirm your policy adequately protects against winter-related risks like burst pipes or roof collapses due to heavy snow. Proactive coverage provides financial stability, saving you from potential setbacks in the event of property damage. We have a team of seasoned professionals ready to review your policy. Don’t wait, act now to secure your business’s winter readiness.

At Premier Claims, we understand the unique challenges faced by business owners with properties in colder climates. By taking proactive steps to prepare your property for winter, you can enjoy peace of mind throughout the fall and holiday seasons. Stay prepared, protected, and let Premier Claims be your ally in safeguarding your investments.

 

Debunking Public Adjuster Myths: Delaying a Claim

At Premier Claims, we believe in empowering policyholders with knowledge. One way to do this is by debunking the public adjuster myths that surround the insurance industry. One common misconception we encounter is the belief that public adjusters delay claims, leading people to believe that hiring a public adjuster will negatively impact their claim.

The Truth Behind the Myth

Insurance claims inherently involve a series of steps, documentation, assessments, and negotiations. The complexities of the claim itself and the policies and procedures of the insurance carrier primarily dictate the duration of this process however, our team of public adjusters at Premier Claims possess a deep understanding of these procedures. Their expertise streamlines the entire process, ensuring they effectively navigate each step, avoiding delays.

Understanding the Public Adjuster’s Role

A public adjuster’s fundamental responsibility is to advocate for you, the policyholder. Their expertise lies in comprehending the intricate language of insurance policies, assessing the damage thoroughly, and negotiating with the insurance carrier on your behalf. However, contrary to the myth, their involvement expedites the process by:

Accurate Assessment

Public adjusters meticulously evaluate the damage, aiming to account for all aspects of the claim. Their precise documentation prevents back-and-forth with the insurance company, saving time. Additionally, this detailed approach strengthens the foundation for a smooth negotiation process.

Negotiation Expertise

Public adjusters are skilled negotiators. They engage with the insurance carrier, presenting a well-documented claim and advocating for a fair settlement promptly. Furthermore, their experience often leads to swifter resolutions.

Policy Knowledge

Understanding the intricacies of insurance policies is crucial. Therefore, public adjusters actively interpret policy language, aiming to maximize every entitlement and coverage benefit, thus preventing unnecessary delays in processing or delaying a claim due to misunderstandings.

It’s important to debunk the misconception that public adjusters delay claims, ensuring accurate information prevails in the industry. Gain valuable insights from Dana Langfeldt, a seasoned Public Adjuster at Premier Claims, as she dives deeper into the crucial support public adjusters provide to policyholders. Understanding that the public adjuster doesn’t negatively impact the claims processing timeline is crucial. Instead, they actively expedite the process, fighting on your behalf, to try to secure a rightful settlement.

 

What is a Public Adjuster?

When faced with significant damage to your property, navigating the complex terrain of insurance claims can be overwhelming. That’s where a public adjuster comes into play. What exactly is the role of a public adjuster, and how can they assist you during this stressful time?

Decoding a Public Adjuster’s Role in Your Claim

A public adjuster is an insurance expert you can hire to manage your claim for you. Unlike insurance company adjusters who represent the insurer’s interests, they work exclusively for you. Their primary goal is to ensure you receive every dollar you’re entitled to under your policy.

Role of a Public Adjuster

Damage Assessment

A public adjuster will inspect and assess the damage to your property. Furthermore, they will evaluate the scope of repairs and estimate the replacement value for those repairs.

Policy Understanding

They will help you understand your insurance policy, decipher the legal jargon, and ensure you are aware of what is covered.

Negotiation

Public adjusters communicate with your insurance carrier on your behalf, attempting to negotiate a settlement that accurately reflects the damage and coverage.

Documentation

They document everything you’ve lost and double-check the damage to your property, potentially leading to a larger insurance settlement.

When Should You Consider Hiring a Public Adjuster?

Large or Severe Claims

Public adjusters are particularly valuable for significant claims involving high-value or extensive damage to your property, such as after a fire or a natural disaster.

Claim Disputes

If you are dissatisfied with your insurance carrier’s settlement offer or feel that the claim settlement is too low, they can help dispute the settlement and advocate for a higher payout.

Complex Claims

When you face complex claims involving multiple policies or intricate questions about coverage, a public adjuster’s expertise can be invaluable.

Benefits

Fair Settlements

Public adjusters are skilled negotiators, fighting for your right to a fair and accurate settlement. This can be hard for a policyholder to obtain on their own.

Time Savings

They handle all the paperwork and communication with your insurance carrier, saving your significant time and stress.

Policy Understanding

Additionally, public adjusters help you comprehend your policy details and navigate the often confusing claims process, ensuring you make informed decisions throughout the entire journey.

Reliability

Get Referrals

Seek recommendations from friends, family, or online reviews to find reputable public adjusters in your area.

Check Licenses

Ensure the adjuster holds a license in your state. Most state insurance departments provide online license verification tools.

Research

Look for adjusters affiliated with professional associations like the National Association of Public Insurance Adjusters, ensuring adherence to industry standards and ethics.

Read Contracts Carefully

Understand the fees, services, and terms, outlined in the contract before hiring an adjuster.

Remember, hiring a public adjuster can level the playing field between you and your insurance carrier, ensuring you receive the compensation you deserve after a disaster. Furthermore, by entrusting the complexities of your insurance claim to a skilled professional, you can focus on rebuilding and regaining peace of mind while your public adjuster advocates for your rightful settlement.

 

Minimizing Financial Risk: The Seven Types of Vandalism

Vandalism – a term that, unfortunately, is all too familiar to commercial property owners. Acts of intentional damage can bring about significant financial consequences. But understanding the different forms of vandalism can go a long way in minimizing their impact. From a sociological perspective, vandalism isn’t a monolithic concept. It assumes various forms, each presenting its unique challenges. Understanding the motives behind these destructive acts, as outlined by renowned sociologist Stanley Cohen, can guide you in better protecting your property and minimizing your financial risk. Let’s explore these seven types of vandalism and see how commercial property owners can stay prepared:

1. Acquisitive Vandalism: A Threat to Your Valuables

Acquisitive vandalism, characterized by the act of destruction to acquire goods or money, poses a significant threat to businesses. For instance, a burglar might break a window to steal merchandise. As a property owner, installing secure locks, surveillance cameras, and alarm systems can deter such actions. Insurance policies covering theft are critical in this scenario.

2. Tactical Vandalism: Unwanted Attention

Tactical vandalism is about getting noticed. Protestors might deface property to draw attention to their cause. While it’s tough to predict such occurrences, maintaining a neutral stance in controversial matters can keep your property out of the firing line. Vandalism coverage in your property insurance policy can provide the needed safety net.

3. Ideological Vandalism: Making a Statement

This form of vandalism arises when political, religious, or social ideologies come about. Insurance that covers acts of vandalism can safeguard your property against the financial impact of such acts.

4. Vindictive Vandalism: When Personal Becomes Professional

Vindictive vandalism stems from personal vendetta and spite, and can unexpectedly land at your doorstep. Making adequate security measures and a robust insurance policy are essential.

5. Play Vandalism: Destructive Fun

Play vandalism is destruction for fun, often by kids or teenagers. For instance, ensuring your property is well-lit and investing in high-quality security systems can make it less attractive to these mischievous thrill-seekers. Furthermore, a comprehensive insurance policy will help cover the costs of any damages.

6. Malicious Vandalism: The Love for Chaos

Malicious vandalism lacks concrete motive beyond the desire to create chaos. An individual who lights a fire in a public park with no particular motive other than to watch things burn would be engaging in malicious vandalism. Enhanced security, vigilance, and insurance coverage are necessary to shield your business from such random acts.

7. Epidemic Vandalism: The Domino Effect

Epidemic vandalism involves large-scale destruction triggered by a specific event like a sports victory or political unrest. Here, the best defense lies in a good offense. Proactive security measures, along with an insurance policy that covers riot damage, are essential.

Understanding the seven types of vandalism not only provides insight into the potential risks but also guides you in selecting the right insurance coverage to protect your business assets. This knowledge empowers commercial property owners to minimize their financial risk and safeguard their businesses against unforeseen damages. Remember, the cost of an insurance policy is insignificant compared to the financial burden of an unexpected vandalism event.

Protect your business, prepare for the future, and ensure peace of mind by recognizing and preparing for these seven faces of vandalism.

 

Importance of Acting Promptly After a Date of Loss

Severe weather events, such as hailstorms, have become increasingly more common and devastating in recent years. As we enter an era where the cost of insured losses from severe storms continues to rise, it becomes crucial for property owners to act promptly after a date of loss. Get ready to explore the significance of taking immediate action in the wake of extreme weather like this year’s hail storms, gain insights on the rising costs of storm damage, and discover valuable guidance on protecting your property.

Why Acting Promptly Matters

When faced with property damage caused by hail or other severe weather, time is of the essence. Acting promptly allows you to:

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The Soaring Costs of Severe Weather:

Hailstorms have had a significant financial impact, with insured losses skyrocketing in recent decades. Gallagher Re, a reinsurance firm, reports insured losses from hail exceeding $10 billion since 2008. In 2023 alone, insured losses from severe convective storms are projected to surpass $30 billion. With the growing number of severe weather events, it’s crucial to be proactive in protecting your property and securing the necessary coverage.

Reviewing Policy (1)

Protecting Your Property:

To safeguard your property and ensure a smooth claims process, consider the following steps:

Acting promptly after a date of loss is essential to protect your property and ensure a smooth claims process. With the increasing costs of severe weather events, it’s crucial to be proactive in securing the necessary coverage and taking immediate steps to mitigate further damage. By documenting the damage, reporting the loss promptly, and seeking assistance from a Public Adjuster, you can navigate the claims process with confidence.

Remember, time is of the essence when it comes to protecting your property from severe weather-related losses. Act promptly, protect your investment, and fight for the coverage you deserve. If you have any questions, please reach out to our team today