Why Canceling Your Inspection Should Be a Last Resort 

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.

Exposing Insurance Deception: Who is Your Carrier Loyal to?

The Mask of Trust

You’ve faithfully paid your insurance premiums for years, believing that when disaster strikes, your insurance carrier will swoop in to save the day. But what if I told you your blind trust could be costing you thousands? Take the time to learn their game, and overcome possible insurance deception. 

The Wolf in Sheep’s Clothing 

Your insurance agent may smile warmly and shake your hand, but beneath that friendly facade lies a stark reality: their loyalty isn’t to you— it’s to their employer. And when push comes to shove, whose interests do you think they’ll prioritize?

Let’s be real: insurance carriers are in the business of making money, not handing it out. When you file a claim, your agent’s job isn’t to maximize your payout— it’s to protect the company’s profits. Suddenly, that friendly smile doesn’t seem so reassuring, does it? 

The Power of Choice

Unlike your insurance agent, we’re not beholden to the whims of the insurance company. Our allegiance lies solely with you, the policyholder, and we are committed to fighting to stop at nothing to ensure you get the compensation you deserve. 

Still Skeptical?

Imagine this: You’re facing the aftermath of a vicious storm and you filed a claim with your insurance carrier, seeking rightful compensation for hail damage to your property’s metal roof. But instead of a swift resolution, you’re met with a daunting denial— making you question the coverage you’ve faithfully paid for.

Enter Premier Claims.

With unwavering determination, we become your advocate. In the face of carrier delay tactics, we stand firm by your side, armed with collected evidence of the storm’s damage to your property. 

Through our expertise, we secured a $1.16 million dollar settlement for a complete roof replacement. Our impact didn’t stop there, as we commonly attempt to steer the insured towards a future of coverage security, by advising an upgrade to more robust policy, in an attempt to further safeguard you from future coverage denials.

This isn’t just a story we pulled out of thin air— it’s a true testament to our capabilities. Premier Claims secured this complete roof replacement for a religious center in Orlando, Florida. Imagine the possibilities for your own claim. 

Take Your Place in the Driver’s Seat

As storm clouds gather on the horizon, now is the time to take action. Don’t wait until it’s too late to protect your interests. Contact Premier Claims today and let us be your guiding light in the darkness of insurance deception. Together, we can weather the storm and emerge stronger on the other side. 

In the face of uncertainty, one thing remains clear: the importance of having a trusted ally by your side. With Premier Claims in your corner, you can rest easy knowing that your interests are protected. Don’t let the storm catch you off guard— let us lead you to victory. 

Would You Work for Free? Why We Take a Fee

Imagine yourself walking into a courtroom. Let’s say you’ve been sued by a disgruntled employee alleging you unlawfully fired them. Unfortunately, their lawyer is very good at making the judge believe that they were the victim of workplace abuse. Despite documentation that clearly demonstrates their poor performance as an employee—including unexcused absences, frequently missed deadlines, and complaints from other employees regarding their conduct—you opted to represent yourself to forgo additional legal fees. Without legal representation, you fail to introduce evidence of poor workmanship in your defense, and you overlook any viable objections.

Now ask yourself: Was saving the initial expense of a lawyer lucrative, even with the knowledge that if you lose, it will cost you more money? This hypothetical scenario paints a picture of a level of risk comparable to the risk of filing a large loss insurance claim without a public adjuster

With the involvement of a public adjuster, a claim settles for more, which means more money for you to restore your property to its former glory. Without our assistance, your settlement could be lower, resulting in a lower payout of the claim as a whole. 

Do You Know Your Worth?

In 2022, Hurricane Ian swept through the Florida coast, destroying homes, businesses, and livelihoods. Bacon’s Furniture in Port Charlotte, Florida, experienced a total building and inventory loss due to the high winds. The hurricane pulled off the roof down to the plywood, leaving bits of the roof sprinkled among the rubble.

As a furniture store, the inside of the building contained dining room chairs that no one would ever use for a Thanksgiving meal, couches, and armchairs that would never spark sibling rivalry during family movie night, and beds that would never receive praise for giving their owners the best sleep of their lives.

The financial loss would cost Bacon millions, but their carrier’s initial offer was only slightly over two million dollars. Enter Premier Claims. 

Our experts did a thorough inspection of the damage outside of the building, as well as the torn and broken furniture inside. After multiple negotiations, inspections with a handful of experts, and hiring a Business Personal Property (BPP) company to do a full inventory of the damaged furniture, we got Bacon’s carrier to release over thirteen million dollars. 

Don’t Settle For Less

Bacon could have settled and accepted the two million, but it wouldn’t have covered the entirety of the cost for the damage and loss of inventory sustained by the store. By retaining Premier Claims, Bacon’s Furniture benefited significantly from higher payouts, even with Premier’s added fee expenses. 

At Premier Claims, we understand the importance of transparency and trust. Our fee structure varies depending on the state and the specifics of the claim. In some cases, fees are billed hourly, while in others, they are contingent on the successful resolution of your claim. Rest assured that we’re committed to advocating for your best interests and aim to maximize the potential of your claim. We’re here to provide the support and expertise you need, tailored to your situation. 

Empower Yourself with Premier Claims

Don’t let concerns about our fee overshadow the significant benefits of partnering with Premier Claims. With our full team of experts on your side, you can navigate the claims process confidently, knowing that you have dedicated advocates fighting for your rights under your policy. Contact us today to learn more about how we can help secure the compensation you deserve.

Why Your Contractor Can’t Handle Your Insurance Claim

Your Decisions Could Cost You

You’ve just discovered extensive damage to your property, and your first instinct is to call your trusted contractor. They’ve always done a great job with repairs, so why not rely on them to handle the insurance claim too? Before you make that decision, consider this: entrusting your claim solely to your contractor could lead to unexpected complications and potentially costly consequences.

The Potential Risk You’re Unaware Of

Did you know that it’s illegal in most states for contractors to represent themselves as public adjusters? This distinction is crucial because, generally, handling insurance claims requires specific licensing and expertise. By relying on an unqualified individual, you’re risking the outcome of your claim and potentially facing legal repercussions. Imagine the added stress of legal battles on top of property damage. 

Expertise vs. Qualifications

Sure, your contractor might excel at repairs, but do they have in-depth knowledge of insurance policies and negotiation strategies? Public adjusters undergo extensive training and licensing precisely for these reasons. They know the ins and outs of the insurance claim process, always trying to ensure that your claim is accurately documented. Trusting someone without the right qualifications is like navigating a minefield blindfolded. 

The Power of Collaboration

Instead of choosing between your contractor and a public adjuster, why not have both working for you? At Premier Claims, we collaborate closely with your contractor to try to achieve the best outcome for you. Your contractor focuses on restoring your property while our team advocates for your best interests and negotiates with your insurance carrier. This partnership is intended to ensure that every aspect of your claim and restoration process is handled with expertise and care, creating a win-win situation for you.

Take Control of Your Claim

Don’t gamble on your property’s ability to be fully restored. Take control of the situation by contacting Premier Claims today. Our team of licensed public adjusters is here to help you navigate the complex claims process, fight for the best settlement, and restore your peace of mind. Don’t wait until it’s too late- ensure your claim gets the attention it deserves from the people who are qualified to do it.

Mastering the Game of the Claims Process

Who are the players in the intake process?

Think of the claims intake process as one big video game, where the decision maker or policy owner plays the most integral part of the claims game. Throughout your quest for a fair claim payout, you’ll meet some additional key figures or characters to help you along the way. 

Player Character or Protagonist: The Policy Owner

The policyholder is the main character. They’re the ones whose name is listed under “Named Insured” in the policy. This person is typically the business or building owner who either knows all of the information needed in connection to the property or knows the best person to ask for help obtaining the necessary information.

Ensure you know the differences between signee, named insured, and claimant. Not sure what they are? We’ve got you covered.

Signee vs. Named Insured

Named Insured vs. Claimant

Signee vs. Claimant

The Guide: The Property Manager

The property manager serves as a point of contact for the building’s condition. They may provide essential information about the property and assist with gathering documentation throughout the claims process. Their job is to oversee the property and ensure that its condition is up to par. They should have records of any issues with the building and repairs made, the insurance policy, and inspection records. When it comes to providing information on any changes to the property or past issues, they are an excellent resource.

Information Hub: Your Broker or Insurance Agent

Your broker or broker agent is the keeper of policy knowledge. They’re key when trying to track down your policy. That isn’t a problem if you’ve never seen your policy. Your broker is required to give you a copy if the signee asks. If you are getting a runaround when requesting a copy of your policy, Premier Claims is happy to assist.

The Ally: Premier Claims

Premier Claims is your claims team’s muscle and brains. Throughout the intense battle with the insurance carrier, we will always be on your side, advocating on your behalf. We are experts in the claims process and have the tenacity and drive to fight for your rightful compensation. 

Your Arsenal

One of the first steps in the claims process is to gather all necessary information about the property. The policy owner should have access to their insurance policy documents, including the declaration pages outlining key coverage details. This readily available information can expedite the intake process and facilitate smoother communication with the insurance adjuster.

You should also have a detailed timeline of the building. Whether it’s recent renovations, prior damage, or maintenance issues, you should be prepared to provide insights into the building’s history. This information can help the adjuster properly assess the extent of the damage.

Once Premier Claims has the primary information concerning your property, we can start investigating and ultimately battling it out with the villain of the claims process: the insurance carrier.

Where is My Insurance Policy?

Hiring an insurance broker can save you a ton of money. They can quickly compare plans of dozens of insurance carriers, taking the stress off of your plate. While that is great in the long run, when it comes time to file an insurance claim, you’re left wondering which carrier your insurance policy is even with.

Not having a copy of your insurance policy can land you in hot water. Even worse— you don’t know who your insurance carrier is! Take action and ensure you have your policy ready to go when you need it most.

Where do I start?

This is where Premier Claims steps in. When you hire us, it’s like getting a hammer when you’ve been driving nails in with the end of a screwdriver. The screwdriver was able to get the nail into the wood. However, the hammer is more accurate and cuts time in half. 

Are you having a tough time getting your insurance information from your broker? One of our representatives is happy to help get the info you need. As an additional service, we offer free policy reviews. To have your insurance policy reviewed, use the following link: https://premier-claims.com/policy-review/

Our tenacity does not waver throughout the claims process. We are your hammer. We are going to call who we need to call, meet who we need to meet, and debate who we need to debate in order to get what you are owed. 

What’s next?

As we gather your insurance information, we’ll make sure you have a digital file with all necessary documents in case of another catastrophe.

These include:

Once we start the claims process, we will need to track down all of these documents to get a clear picture of your property. The more information our adjusters have, the smoother the claims process. 

Aftermath of a Storm: Key Steps to Take

Facing the aftermath of a storm can be a daunting experience. But when it comes to safeguarding your property and filing an insurance claim, it’s essential to have a clear plan of action. Below is a guide to assist you through the initial steps following a date of loss.

1. Survey Exterior Damage

After ensuring your safety, the first step is to assess the storm damage to your property.

Exterior Inspection: Begin by examining the exterior of your property for visible damage. Look for missing shingles or broken gutters. As well as obvious roof leaks or scattered roofing materials.

Air Conditioning Unit: Even if it’s not the summer season, check your AC unit for damages. You wouldn’t want any surprises when it’s time to use it.

Other Damages: Be thorough in identifying all storm-related damages, including those caused by trees, neighbor’s trees, or missing fencing. 


2. Survey Interior Damage

Inspect the inside of your property for signs of internal damage. 

Water Leaks:  Keep an eye out for water leaks or puddles on walls and floors, especially on the ground floor. 

Windows and Attic: Check windows for leaks and inspect your attic for any issues. 


3. Take Photos

Capture clear photos to document all damage you see on your property in the aftermath of a storm.

Exterior Damage: From damaged roofs to broken AC units, photos play a significant role in your insurance claim.

Interior Damage: Document any damage inside your home, ensuring clarity in the images.


4. Keep Everything

Hold onto damaged items, as your insurance assessor may need to inspect them for your claim. Even if you can’t keep large items, like a waterlogged carpet or a broken TV, take photos and keep small samples if possible. A piece of your wet carpet can serve as evidence!


5. Shield Your Property

To prevent further damage to your property while waiting for repairs, we recommend covering visible holes or broken windows. You can do this by using tarps or canvases. Furthermore, ensure that you move valuable belongings and electronic equipment out of harm’s way.


6. Public Adjuster Inspection

Enlist the expertise of a public adjuster to ensure that all damage to your property is accounted for prior to filing a claim. Their in-depth knowledge, negotiation skills, and commitment to your best interests can significantly impact the outcome of your insurance claim. Ultimately, providing you with the peace of mind you deserve after a date of loss occurs. 

Navigating the aftermath of a storm and filing an insurance claim can be challenging, but with the right steps and the support of Premier Claims, you can restore your property with peace of mind. Remember, our dedicated team is here to assist you throughout the process.


Thorough Investigation Turns $1.9M into a $5.9M Claim Settlement

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

Self-Storage Claim Initially Denied: Premier Claims $1.25M Settlement for Full Replacement

Dino’s Storage

Des Moines, Iowa
Hail Damage
March 2022

After the insurance company denied the initial claim, they were reluctant to conduct an on-site joint inspection, basing their decision on an incomplete assessment by an independent adjuster. Recognizing the oversight, we presented compelling evidence and our own detailed estimate to the insurance carrier. This led to an on-site joint inspection and a complete turnaround. We successfully negotiated full replacements for roofs and doors across all structures, and even secured private security to safeguard patrons’ belongings during the construction phase.

Insurance Carrier Offer: Complete Denial

Premier Claims Settlement: $1,247,000