Public Adjusters Are Your Trusted Ally

After a devastating event like Hurricane Helene, the last thing you want to deal with is the labyrinth of insurance claims. It can feel like navigating through a maze blindfolded—frustrating and, quite frankly, exhausting. That’s where a public adjuster, like those at Premier Claims, comes in. Think of us as your personal guide, helping you understand your rights, make the most of your claim, and stand up to those pesky insurance carriers who often try to take advantage of you.

Comprehensive Damage Documentation—More Than a Checklist

When the storm clears, it’s essential to capture every nook and cranny of the damage—this is not just about broken windows or missing shingles. A skilled public adjuster meticulously documents all damages and potential recoverable losses, including things you might not even think about, like hidden water damage or structural issues. They utilize advanced tools and techniques to provide a clear picture, attempting to ensure that no detail is overlooked. This thorough documentation sets a solid foundation for your claim.

In-Depth Policy Review

Before diving into the claims process, understanding the policy is crucial. Our legal team will dissect your insurance policy with laser focus, checking for coverage limits, deductibles, and exclusions that could impact your claim. They’ll highlight the fine print that often gets ignored, determining exactly what’s covered and what isn’t. This knowledge is power, and it’s your best defense against any surprises down the line. To submit your insurance policy for a complimentary review, fill out the following form: https://premier-claims.com/policy-review/

Understanding Your Claim’s True Value

Let’s be honest: insurance jargon can feel like a foreign language. What’s the real value of your claim? A public adjuster translates that complexity into understandable terms, helping you see the full picture. Our team will review your policy and look for key things to tie to your property’s damage. They’ll conduct a detailed assessment of your losses and repairs, fighting for your right to a fair payout. This clarity not only empowers you but also prevents insurance carriers from pulling a fast one.

Public Adjusters Handle All Communications

The paperwork that follows a disaster can feel like it’s piling up faster than your to-do list. A public adjuster takes the headache out of managing forms, claims, and deadlines. They know the ins and outs of the process and will handle the administrative tasks, allowing you to focus on more pressing matters—like finding a safe place to sleep or regrouping with your family. They’re your safety net, catching all the details that could slip through the cracks.

Speak Directly with Your Insurance Carrier

Have you ever tried to get a straight answer from your insurance carrier? It can feel like talking to a brick wall. Your public adjuster will act as your liaison, managing communications with your insurance carrier. This means you won’t have to endure endless hold music or baffling conversations. They ensure your concerns are heard, documented, and addressed, streamlining the process and hopefully reducing your stress.

Experienced Negotiation Skills

Negotiating with insurance adjusters can feel like David vs. Goliath, especially if you’re going in without the right expertise. A public adjuster brings invaluable negotiation skills to the table, advocating for you and your interests. They know the tactics insurance carriers use to minimize payouts, and they won’t back down until they’ve explored every option—fighting for you to receive the compensation you need to restore your property adequately.

Protection Against Bad Faith Tactics

Sadly, not all insurance carriers play fair. Some may resort to bad faith tactics, like delaying your claim or offering significantly lower settlements. A knowledgeable public adjuster is your advocate, protecting you from these unfair practices and aiming for you to be treated with the respect and fairness you deserve. They’ll keep a watchful eye on the process and challenge any unjust actions from the insurer.

You Deserve More Than Just a Band-Aid Solution

At the end of the day, your public adjuster isn’t just there to get you a quick payout—they’re dedicated to getting your property restored to its pre-loss condition. They’ll fight for the comprehensive repairs and support you need, helping to ensure that your property is not just fixed, but truly restored. Hurricane Helene doesn’t get the last laugh, and neither should your insurance carrier.

Why Partner with Premier Claims After Hurricane Helene?

Recovering from Hurricane Helene is not just about rebuilding your property; it’s about reclaiming your peace of mind. A public adjuster can be your trusted ally in this journey, navigating the complexities of insurance claims and advocating for your best interests every step of the way.

Ready to Reclaim Your Recovery?

If you’re feeling overwhelmed after Hurricane Helene and need a guiding hand, contact us today. Our experienced public adjusters are here to help you maximize your claim and restore your property so you can move forward with confidence.

At Premier Claims, we understand that life can be busy and scheduling conflicts arise, but canceling your property damage inspection appointment can significantly hinder the progress of your insurance claim. Keeping your inspection appointment assists in making the claim process as smooth and beneficial as possible.

Why Is an Inspection So Important?

1. An Inspection is Essential for Your Claim

The property damage inspection is critical for both us and your insurance carrier. Without it, we may be unable to proceed with your claim. The inspection allows us to accurately document the extent of the damage, which is essential for determining the appropriate compensation. Skipping this step could delay your claim or even lower your payout.

2. You Don’t Need to Attend the Inspection

No need to worry if you can’t attend the property damage inspection. Your presence is not required as long as we can access the roof and other necessary areas. Our team is fully equipped to handle the inspection independently, trying to ensure that all damage is thoroughly documented.

3. We Advocate for You

Our inspectors act as your advocates during the inspection. We have your best interests in mind and work diligently to ensure every known detail of the damage is documented. This comprehensive documentation is crucial to support your claim best and increase the likelihood of compensation from the carrier.

4. Transparent and Ongoing Communication

We believe in keeping you informed throughout the entire claims process. Your designated client specialist will provide regular updates to inform you of your claim. This transparency helps you stay engaged and understand each process step, even if you can’t attend the inspection.

Canceling your property damage inspection can delay your claim and potentially reduce the compensation you receive. By keeping your appointment, move forward efficiently and continue to advocate on your behalf. Even if we find that there isn’t damage to your property, documenting the current state of your property can be beneficial for potential future claims. To learn more about the benefits of a damage-free inspection, read our full blog: https://premier-claims.com/blog/no-damage-inspections-benefits/. Remember, your presence at the inspection is unnecessary as long as we have access to the damaged areas. Trust our team to handle the inspection competently and keep you informed along the way.

If you have any concerns or questions about the property damage inspection process, please don’t hesitate to reach out. We’re here to support you and ensure your claim is handled with the utmost care and professionalism.

In the world of property insurance claims, the term “damage assessment” holds significant weight. It’s a pivotal step in the process, one that can make all the difference in the outcome of a claim. Take a look at what damage assessments entail and why they matter.

What is a Damage Assessment?

A damage assessment is a critical evaluation conducted by professionals to determine the condition of a property, especially in the aftermath of a potential event that could lead to an insurance claim. This assessment aims to identify any visible damage or signs that may indicate underlying issues requiring further inspection. Learn more about the purpose of a damage assessment in our full YouTube video: Let’s Talk Damage Assessments

Types of Assessments

Within the realm of damage assessments, there are various types, each serving a distinct purpose:

Damage Assessment

This initial assessment provides a broad overview of the property’s condition, identifying any visible signs of damage such as dented gutters or damaged soft metals on the roof. Levi Warren, Adjusting Manager and Licensed Public Adjuster, explained how, “A damage assessment can be geared towards any type of damage. It can be everything from hail to hurricane damage to even snow collapses. What you’re doing is documenting the current status of your property so that you can present that to your insurance carrier.”

Scope

A scope is a more detailed inspection where professionals take a deeper look into specific components of the property, such as conducting membrane pullbacks or inspecting shingles for damage. To learn more about scopes, read our blog: Let’s Talk Scopes

Inspection

An inspection is a comprehensive review of a property, conducted in collaboration with the insurance carrier representative, where damages are discussed in detail.

The Importance of Damage Assessments

Damage assessments serve as a crucial tool for both property owners and insurance carriers. Why are they important?

Early Detection

By conducting a damage assessment, property owners can identify potential issues early on, even before filing a claim. This proactive approach allows them to address any concerns promptly.

Documentation

The assessment provides documented evidence of the property’s condition at the time of evaluation. This documentation can be invaluable when filing a claim, allowing clarity and transparency throughout the process.

Claim Preparation

Should the need arise to file a claim, a thorough damage assessment lays the foundation for a successful claims process. It equips property owners with the necessary information to support their case effectively.

Peace of Mind

Knowing the true condition of their property offers peace of mind to property owners, whether they ultimately need to file a claim or not. It empowers them to make informed decisions about their property’s maintenance and protection.

A damage assessment is more than just a routine inspection— it’s a proactive step towards safeguarding your property and cultivating a smooth claims process. At Premier Claims, we understand the importance of this initial evaluation and strive to provide comprehensive assessments with precision and care. Let us guide you through this aspect of property protection, ensuring your peace of mind every step of the way. Connect with us today to learn more about how we can assist you in navigating the complexities of property claims.

Sanoh America Distribution Facility

Archbold, Ohio
Hail & Wind Damage | May 2022

The expansive 223,000 square-foot distribution facility experienced significant hail and wind damage, resulting in a small portion collapse. The insurance carrier enlisted an engineer to refute the more extensive hail damage, dismissing it as merely cosmetic and initially only approved repairs for the collapsed section. At this time, our team was brought on and we began to gather evidence from comprehensive on-site investigations, demonstrating the long-term repercussions of neglecting the full extent of the damage. Within six months, these efforts resulted in a reversal of decision to a full roof replacement. In addition, we were able to show historical storm activity that had impacted the building within the policy terms for more accurate dates of loss, as well as reimbursement for business interruption and loss of contents. Thanks to our diligent efforts, we successfully secured an additional $3.9 million in claim settlements.

Insurance Carrier Offer: $1,985,000

Premier Claims Settlement: $5,893,000

How Can a Public Adjuster Help with Your Hurricane Helene Claim?