Generated by All in One SEO Pro v4.9.8, this is an llms.txt file, used by LLMs to index the site.

# Premier Claims

We Get It Covered

## Sitemaps

- [XML Sitemap](https://premier-claims.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://premier-claims.com/resources/blog/)
- [Does Your Insurance Policy Really Protect Your Property?](https://premier-claims.com/blog/regular-insurance-policy-review/) - How often should you review your insurance policy? Learn how to avoid coverage gaps, update limits, and keep your property fully protected.
- [Large Loss Agriculture Hail Claim Settled in 4 Months](https://premier-claims.com/blog/rl-wilson-farms/) - Our team led inspections and detailed estimates that increased the carrier’s initial offer from $1.89M to $2.06M in under four months.
- [How to Detect Hail Damage on Commercial Property](https://premier-claims.com/blog/commercial-property-hail-damage/) - Learn how to identify hail damage on commercial roofs, siding, windows, and equipment. Discover early warning signs and when to schedule a professional inspection.
- [Navigating Fire Damage: After the Damage Occurs](https://premier-claims.com/blog/after-a-fire/) - After Damage Occurs After a fire wreaks havoc on a property, be it residential or commercial, the cascade of emotions can be overwhelming. The gamut of emotions — from shock and disbelief to grief and anger — can be overwhelming. It's not uncommon for individuals to grapple with memory issues, anxiety, or depression following such
- [Navigating Fire Damage: Recovering Contents](https://premier-claims.com/blog/recover-contents-after-fire/) - Recovering Contents After Fire Damage Our team understands that after a fire, the loss extends beyond just the structure—it reaches every item that makes a space feel like home or a business function seamlessly. We aid in creating a detailed content inventory of all affected items, ensuring nothing is overlooked. With this comprehensive list in
- [Navigating Fire Damage: What to Do After Fire Damage?](https://premier-claims.com/blog/after-fire-damage/) - What to Do After Fire Damage? Fire Damage can be devastating, and we are committed to providing expert guidance and support, ensuring you have the knowledge and resources to navigate through the challenges of fire damage and restore your peace of mind. Explore our curated series covering every facet of fire damage. Our expert Fire
- [What is a Public Adjuster?](https://premier-claims.com/blog/what-is-a-public-adjuster/) - Learn what a public adjuster does and how they help make the most of your insurance claim. Start the new year prepared for property damage or disasters.
- [Navigating Fire Damage: Proactive Protection](https://premier-claims.com/blog/protection-from-fire-damage/) - Protect your property from fire damage with prevention tips, preparedness strategies, and insurance insights. Learn how to safeguard assets and recover faster.
- [When the System Fails](https://premier-claims.com/blog/when-the-system-fails/) - When the System Fails By: Ashley Workman The jingles are catchy, promising you’re in good hands or like a good neighbor, State Farm is there. As a policyholder, you buy into that certainty and trust it will hold when you need it most. What follows is something much different. The reality looks more like letters
- [Stepping Stones or Structural Cracks?](https://premier-claims.com/blog/stepping-stones-or-structural-cracks/) - Stepping Stones or Structural Cracks? By: Ashley Workman The Migal’s Allstate victory is a valuable, tangible result, but does it signal reform? When insurance began in the United States in 1752, it was called the Philadelphia Contributionship for the Insurance of Houses from Loss by Fire. Policyholders came together and contributed as a collective; many
- [When Claims Become Calculations](https://premier-claims.com/blog/when-claims-become-calculations/) - There’s a subtle seduction in the automation AI provides. It’s a hollow promise that flitters across the screen through dashboards and algorithms. Insurance carriers cling to this by assuring faster claims, cleaner data, and fewer delays. It’s a level of efficiency that speaks to their bottom line, which is elegant, scalable, and controlled. But storms
- [What Should I Do After Hail Damage?](https://premier-claims.com/blog/what-to-do-after-hail-damage/) - Learn what to do after hail damages your property. This step-by-step guide covers inspections, documentation, and when to seek professional assistance.
- [Flood Claims and the Tyranny of Time](https://premier-claims.com/blog/flood-claims-and-the-tyranny-of-time/) - NFIP flood claims are governed by strict federal deadlines. Learn how the 60-day proof of loss rule can bar otherwise valid flood insurance claims.
- [RCV vs ACV: The Code Coverage Gap Most Policyholders Miss](https://premier-claims.com/blog/code-coverage-gap/) - RCV does not always mean full replacement. Learn how Law and Ordinance limits and code upgrade coverage can create costly gaps in property insurance claims.
- [Before the Lawsuit: Insurance Policy Analysis](https://premier-claims.com/blog/policy-analysis/) - A detailed insurance policy analysis can determine whether an attorney takes your case. Learn how exclusions, endorsements, and policy structure impact property claim litigation.
- [Learn to Love Your Insurance Policy](https://premier-claims.com/blog/learn-to-love-your-insurance-policy/) - While insurance might not be the most exciting topic, understanding and appreciating your policy can bring peace of mind and financial security.
- [Flooding Post-Winter Storm](https://premier-claims.com/blog/flooding-post-winter-storm/) - Flooding after winter storms can cause serious damage. Learn how to prepare, respond, and navigate insurance considerations with confidence.
- [Turning a Pipe Burst Denial into a $3.3M Recovery for a North Dakota Hotel](https://premier-claims.com/blog/pipe-burst-north-dakota-hotel/) - When extreme cold caused a pipe burst and a full denial, Premier Claims proved the loss was weather-related and secured $3.3M for a North Dakota hotel.
- [Oklahoma Attorney General Intervenes in State Farm Hail Damage Lawsuits](https://premier-claims.com/blog/oklahoma-state-farm-lawsuit-update/) - Oklahoma Attorney General Gentner Drummond intervenes in State Farm hail damage lawsuits, alleging systemic underpayment and racketeering.
- [Winter is Here: Prevent Snow Damage This Season](https://premier-claims.com/blog/post-snow-checklist/) - Get your post snow checklist to protect your property from damage this winter!
- [Start 2026 with Confidence: Why Policy Reviews Matter](https://premier-claims.com/blog/2026-policy-review/) - An insurance policy review can help you stay protected, informed, and ready for the year ahead. Start 2026 off with great coverage!
- [Oklahoma Lawsuits Accuse State Farm of Insurance Schemes](https://premier-claims.com/blog/state-farm-insurance-schemes/) - Oklahoma homeowners allege State Farm underpaid hail claims. Learn what this lawsuit means for policyholders and how to protect your coverage rights.
- [How High Deductibles Can Leave Property Owners Without Real Coverage](https://premier-claims.com/blog/high-deductibles-no-coverage/) - High deductibles can leave property owners without real coverage. Learn how endorsements, exclusions, and rising premiums impact claims—and how to protect yourself.
- [Why ACV Endorsements Are Skyrocketing](https://premier-claims.com/blog/acv-endorsements/) - Roof insurance coverage is changing fast. Actual Cash Value (ACV) endorsements have more than tripled since 2022—leaving property owners at risk.
- [Why a Property Inspection Should Top Your End-of-Year List](https://premier-claims.com/blog/end-of-year-property-inspection/) - Start 2026 with confidence! Schedule a year-end property inspection to catch hidden damage, avoid costly repairs, and protect your investment.
- [Winter Property Maintenance: How to Prepare Your Property for Cold Weather](https://premier-claims.com/blog/prepare-your-property-for-winter/) - Winter is coming fast; don’t let the cold catch your property off guard. Here’s how to prevent damage and protect your investment this season.
- [Public School District Secures $5.3M After Hail and Wind Damage](https://premier-claims.com/blog/public-school-hail-damage/) - After months of stalled payments, a public school district turned to Premier Claims—recovering $5.3M in coverage for storm-related damage.
- [Illinois Sues State Farm: Forcing Transparency in Homeowners Insurance Practices](https://premier-claims.com/blog/illinois-sues-state-farm/) - Attorney General of Illinois sues State Farm for refusing to comply with a regulatory exam into homeowners insurance. What consumers and adjusters should know.
- [$9K Hurricane Ian Claim Turns Into Full Restoration](https://premier-claims.com/blog/hurricane-ian-condo-insurance-claim/) - After Hurricane Ian, a Florida condo association turned a $ 9,000 offer into a full restoration. See how persistence from our team and policyholder rights made it possible.
- [Premier Claims Secures $13.95M After Hurricane Ian](https://premier-claims.com/blog/bacons-furniture-hurricane-ian/) - After Hurricane Ian, Premier Claims turned a delayed hurricane insurance claim into a 520% settlement increase—securing $13.96M for the policyholder.
- [730% Settlement Increase for Multi-Building Agricultural Property](https://premier-claims.com/blog/chicken-farm-settlement-increase/) - Discover how Premier Claims secured a 730% settlement increase for a Nebraska poultry farm after storm damage was undervalued by insurers.
- [How Premier Claims Turned a $98K Vandalism Insurance Payout into $2.8M](https://premier-claims.com/blog/vandalism-insurance-claim/) - This storage buildings vandalism claim truned into a water damage nightmare. Premier Claims turned a $98K payout into $2.8M by proving storm with weather data.
- [How a Policy Review & Hailtrace Data Helped Secure a $1.1M Settlement](https://premier-claims.com/blog/policy-review-hailtrace-data/) - Discover how Premier Claims used HailTrace storm data & thorough policy review to secure a $1.1M settlement for a Texas property owner.
- [Negotiations Lead to a Full Roof Replacement and Warrantied](https://premier-claims.com/blog/edwards-electrical/) - Edwards Electrical & Mechanical Indianapolis, Indiana Hail & Water Damage January 2022 Facing an insurance carrier that was only willing to approve minor spot repairs and attribute the issues to old damage, our team swung into action. Leveraging detailed evidence from our on-site investigations, along with storm data and policy coverage specifics, we successfully negotiated
- [Kansas Attorney General Clarifies Public Adjusters’ Role in Residential Claims](https://premier-claims.com/blog/kansas-attorney-general/) - The opinion of Kansas Attorney General opens new doors for public adjusters to assist homeowners with residential claims. Here’s what policyholders should know.
- [Apartment Claim Initially Denied: Premier Claims Settles at $2.23M](https://premier-claims.com/blog/tudor-heights-apartments/) - Carrier denial overturned after our expert inspection proved covered damage, leading to full replacements and upgrades across the 420-unit apartment complex.
- [Spot Repairs Initially Approved for Historic Building: Restored with $1.3M Settlement](https://premier-claims.com/blog/rivermont-collegiate/) - Carrier approved only minimal repairs, but our team’s forensic evidence and expert negotiation secured full roof replacement for the historic building.
- [Insurance Carrier Offers Spot Repairs for Condominium: Premier Claims Settled at $2.3M](https://premier-claims.com/blog/st-john-condos/) - Carrier limited coverage to minor roof repairs, our team’s documentation and legal support secured a $2.28M settlement, far exceeding the initial offer.
- [Insurance Carrier Denial Turned into a $1.16M Final Settlement](https://premier-claims.com/blog/confidential-religious-center/) - Carrier attempted to stall the claim with a reservation of rights, but our team’s legal review and detailed estimate secured a $1.16M settlement.
- [Self-Storage Claim Initially Denied: Premier Claims $1.25M Settlement for Full Replacement](https://premier-claims.com/blog/dinos-storage/) - The carrier initially denied the claim based on an incomplete assessment. Our team conducted a thorough inspection, which led to $1.25M after negotiations.
- [Correcting the Date of Loss Boosted This Roof Claim by 570%](https://premier-claims.com/blog/garner-industries/) - See how Premier Claims used reinspection and HailTrace data to correct a date of loss, turning a $162K carrier offer into a $1.08M settlement in 5 months.
- [$10M Hail Claim Denied: Hidden Coverage Exclusion](https://premier-claims.com/blog/hail-claim-denied-hidden-coverage-exclusion/) - A Pennsylvania mall faced $10M hail claim denied due to hidden policy exclusions. Learn how hidden exclusions cost millions and how to avoid the same mistake.
- [Hurricane Preparedness: Essential Supplies to Weather the Storm](https://premier-claims.com/blog/essential-hurricane-supplies-guide/) - From water and food to first aid, power, and vital documents, learn the essential supplies every household needs to survive and recover after a storm.
- [Hurricane Insurance Claim Timeline for Chicken Farm](https://premier-claims.com/blog/hurricane-insurance-claim-timeline/) - Follow as we track the series of events after Hurricane Helene and the insurance claim process for a complex claim in Homerville, Georgia.
- [60 Minutes: Key Takeaways from "After the Hurricane" report](https://premier-claims.com/blog/hurricane-ian-60-minutes/) - 60 Minutes: Key Takeaways from "After the Hurricane" Report The Devastation of Hurricane Helene & Milton: Lessons from the Past In the wake of the recent destruction from hurricanes, thousands of homeowners are not just picking up the pieces of their lives—they’re bracing for a new kind of storm: the battle with their insurance carriers.
- [Understanding Insurance Deductibles](https://premier-claims.com/blog/insurance-deductibles/) - Not all insurance deductibles are created equal. Learn about different deductible types and how each one impacts your out-of-pocket costs during a property insurance claim.
- [Coverage Categories Explained](https://premier-claims.com/blog/coverage-categories-explained/) - Understand the five key coverage categories in your property insurance policy. Learn what each protects, common exclusions, and why a policy review can help avoid coverage gaps.
- [Ordinance or Law Coverage: The Costly Policy Secret](https://premier-claims.com/blog/ordinance-or-law-coverage/) - Ordinance or Law coverage helps cover the cost of rebuilding to current codes, but where it's listed in your policy matters. Learn how to avoid costly surprises.
- [How to Document Your Property Before a Hurricane Hits](https://premier-claims.com/blog/pre-hurricane-documentation/) - Protect your property and your insurance claim. Learn how to document everything before a hurricane to avoid delays, disputes, and denied payouts.
- [Hurricane Insurance Coverage for Policyholders](https://premier-claims.com/blog/securing-your-property-essential-hurricane-coverage-for-policyholders/) - Hurricane coverage is crucial for safeguarding both your property and financial stability, and protections against windstorm damage, flood damage, and ALE.
- [How to Prepare Your Property for Hurricane Season](https://premier-claims.com/blog/how-to-prepare-your-property-for-hurricane-season/) - Don’t wait until a hurricane is heading your way. Learn how to prep your insurance, document your property, and protect your investment with Premier Claims' expert hurricane prep guide.
- [Date of Loss vs. Date of Discovery](https://premier-claims.com/blog/date-of-loss-vs-date-of-discovery/) - Understand the critical difference between Date of Loss and Date of Discovery in property insurance claims. Learn how each date impacts deadlines, claim rights, and coverage eligibility.
- [What Is Recoverable Depreciation?](https://premier-claims.com/blog/what-is-recoverable-depreciation-2/) - Learn what recoverable depreciation is, how it impacts ACV and RCV policies, and why it matters when filing a property damage insurance claim.
- [How to Claim Recoverable Depreciation](https://premier-claims.com/blog/how-to-claim-recoverable-depreciation/) - Save Money & Time So, your insurance carrier withheld part of your payment and told you it was "recoverable depreciation." Now what? If you’re covered under a Replacement Cost Value (RCV) policy, you have a right to claim that withheld amount. But here’s the catch—it’s not automatic, and the process can be tedious, frustrating, and
- [The Three Types of Adjusters & Their Role in a Claim](https://premier-claims.com/blog/different-types-of-adjusters/) - Learn the difference between public, insurance, and independent adjusters. Each type of adjuster plays a different role in the claims process.
- [Policy Exclusions: What They Are & Why They Matter](https://premier-claims.com/blog/insurance-exclusions-what-they-are-why-they-matter/) - Learn how policy exclusions impact property damage claims, what they really cover, and how to protect yourself before disaster strikes.
- [Melissa Hurrington on Leading with Purpose: Secrets of Rockstar CFOs Episode](https://premier-claims.com/blog/melissa-hurrington-secrets-of-rockstar-cfos/) - Melissa Hurrington shares her journey as a CFO, mom, and leader with The Secrets of Rockstar CFOs podcast.
- [How New Endorsements May Affect Contractors](https://premier-claims.com/blog/how-endorsements-impact-contractors/) - Roofing materials payment schedules are changing how contractors get paid—and not always for the better. Learn how to protect your business, manage client expectations, and navigate insurance delays with confidence.
- [Will Filing a Claim Raise Your Premium?](https://premier-claims.com/blog/raising-insurance-premiums/) - Worried about higher premiums or losing coverage? Learn what can affect your insurance rates and what doesn't. Get clarity before filing a claim.
- [Your Contractor Can't Handle Your Insurance Claim Alone](https://premier-claims.com/blog/your-decisions-could-cost-you/) - Contractors excel at repairs, but insurance claims need specialized expertise. Partnering with a licensed public adjuster allows for skilled claim negotiations with your carrier.
- [Filing a Claim Without Losing Coverage: Know Your Rights](https://premier-claims.com/blog/filing-a-claim-know-your-rights/) - Worried about being dropped for filing a claim? You’re more protected than you think—and we’re here to guide you through it.
- [Choose a Trustworthy Public Adjuster](https://premier-claims.com/blog/trustworthy-public-adjuster/) - A New Perspective on Public Adjusters When you’ve experienced a mishap with a public adjuster, it’s understandable to feel cautious about trusting another one. The fear of history repeating itself can be paralyzing. However, what if we told you that your past experience doesn’t have to define your future interactions with public adjusters? Understanding the
- [Does My Property Have Storm Damage?](https://premier-claims.com/blog/property-storm-damage-assessment/) - Think the storm wasn’t that bad? Think again. Learn why skipping a damage assessment can lead to costly repairs and denied insurance claims.
- [The Claim Killer No One Talks About: The Date of Loss](https://premier-claims.com/blog/do-you-have-the-right-date-of-loss/) - The Date of Loss Matters More Than You Think The date of loss (DOL) in a property insurance claim is one of the fundamental elements that influence the entire process of claim settlement. Yet, it's often overlooked or misunderstood by policyholders. What exactly is the date of loss? Why is it so important? How do
- [Hurricanes Helene and Milton: Six Months After the Storm](https://premier-claims.com/blog/hurricanes-helene-and-milton-six-months-after-the-storm/) - Thousands of property owners are still waiting on payouts from Hurricanes Helene and Milton. Learn why delays happen and what rights you have as a policyholder.
- [60 Minutes: Key Takeaways from "California Wildfire Cleanup"](https://premier-claims.com/blog/60-minutes-key-takeaways-from-california-wildfire-cleanup/) - 60 Minutes exposed major issues with California’s wildfire cleanup—but the full story goes deeper. Learn how smoke, toxins, and debris are impacting claims.
- [What Happens When Your Insurance Carrier Disagrees?](https://premier-claims.com/blog/insurance-carrier-disagreements/) - What Happens When Your Insurance Carrier Doesn’t Agree to the Damage? We’ve all heard of the "best-case scenario" when it comes to filing an insurance claim—your insurance carrier acknowledges the damage on the spot, and the claims process moves toward resolution smoothly. But what happens when the situation isn’t quite as straightforward? What if the
- [Hidden Costs of Ignoring Property Maintenance](https://premier-claims.com/blog/property-maintenance-before-storm-season/) - Protect your property this storm season with simple, affordable tips—clear gutters, secure loose items, and avoid costly damage. Prepare now!
- [Hail Damage Claims Are Changing: What the State Farm Case Means for You](https://premier-claims.com/blog/state-farm-hail-damage-case/) - State Farm Case Proves Contractor Opinions Are No Longer Enough The insurance claims landscape is shifting, and a recent federal court decision involving State Farm underscores this change. In this landmark Alabama case, a homeowner's claim for hail damage was denied because the court deemed contractor testimony insufficient without supporting expert evidence. This case highlights
- [March Madness](https://premier-claims.com/blog/march-madness/) - March Madness isn’t just for basketball—Mother Nature’s storms are rewriting the playbook. With tornadoes, hail, and wild temperature swings causing chaos, property owners need to stay ahead.
- [Protect Your Roof This Winter](https://premier-claims.com/blog/prevent-roof-damage-after-winter-storms/) - Protect your roof from winter damage. Learn how to prevent ice dams, snow stress, and thawing risks with expert tips for roof maintenance.
- [Prevent Frozen Pipes and Protect Your Property This Winter](https://premier-claims.com/blog/prevent-pipe-bursts/) - Frozen pipes can burst and cause costly water damage. Learn to spot warning signs, take preventative measures, and protect your property this winter.
- [Dangers & Tips for a Hurricane](https://premier-claims.com/blog/dangers-and-tips/) - Hurricanes are among the most destructive natural disasters, bringing devastatingly high winds, heavy rainfall, and storm surges that can cause widespread damage and loss of life. These powerful storms can strike coastal areas and inland regions with little warning, and leaving residents with only a short amount of time to prepare. In this blog, we'll
- [Debunking Public Adjuster Myths: Delaying a Claim](https://premier-claims.com/blog/debunking-public-adjuster-myths/) - 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
- [Let's Talk Damage Assessments](https://premier-claims.com/blog/lets-talk-damage-assessments/) - 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
- [Navigating FEMA Assistance Post Hurricane Helene and Milton](https://premier-claims.com/blog/navigating-fema-assistance-post-hurricane-helene-and-milton/) - What You Need to Know As the dust settles from Hurricane Helene, many individuals and families are left grappling with the aftermath and seeking assistance. With Hurricane Milton expected to make landfall tomorrow, the need for recovery resources may soon increase. One key resource available to those impacted by these storms is the Federal Emergency
- [How Can a Public Adjuster Help with Your Hurricane Helene Claim?](https://premier-claims.com/blog/how-public-adjuster-help-hurricane-helene/) - 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
- [Prioritizing Mental Health After Hurricanes Helene and Milton](https://premier-claims.com/blog/world-mental-health-day/) - Prioritizing Mental Health After Hurricanes Helene and Milton The Silent Struggles: Life After a Hurricane Today, on World Mental Health Day, we are reminded of the critical importance of mental health, especially in the aftermath of traumatic events like hurricanes. The aftermath of hurricanes like Hlene and Milton brings visible devastation—damaged homes, uprooted lives, and
- [Hurricane Coverages You May Not Know You Have](https://premier-claims.com/blog/hurricane-coverages-you-may-not-know-you-have/) - Do You Know What’s Included in Your Policy? While most people are familiar with standard coverages from hurricane damage, like roof repairs or structural fixes, many overlook other important aspects of their policy. These lesser-known coverages can help you navigate the recovery process with more ease and less out-of-pocket expense. Let’s break down some of
- [What Do I Do After a Hurricane?](https://premier-claims.com/blog/responsibilities-after-a-hurricane/) - Post Hurricane Helene Responsibilities as a Policyholder As you brace yourself for the impending hurricane, it's perfectly normal to feel a mix of anxiety and anticipation. While we can’t control Mother Nature (trust me, we’ve tried), we can control how we respond when the storm clouds roll in. Knowing your responsibilities as a policyholder can
- [Review Policy & Inspect Property Before a Hurricane](https://premier-claims.com/blog/review-policy-and-property/) - To protect yourself in the event of a future hurricane, one of the most important ways you can prepare is by reviewing your policy coverage. For Hurricane Preparedness Week, we will outline a few of the key aspects to consider in your policy: deductible, building coverage, and the importance of inspecting your property with photo
- [Contractor Estimate vs. Carrier Estimate: Why Both Matter](https://premier-claims.com/blog/contractor-estimate-vs-carrier-estimate-why-both-matter/) - An insurance carrier estimate may be lower than the cost of repairs. Learn how a contractor estimate can make a difference in the outcome of your claim.
- [Insurance Carriers Are Failing Policyholders](https://premier-claims.com/blog/insurance-carriers-are-failing-policyholders/) - Insurance rates are skyrocketing while coverage shrinks—leaving policyholders vulnerable. Learn what's driving this crisis and how you can protect yourself.
- [What Are Policy Exclusions?](https://premier-claims.com/blog/what-is-a-policy-exclusion/) - Start the year strong by uncovering blind spots in your insurance coverage! Learn about policy exclusions, why they exist, and how to avoid costly surprises.
- [Unmasking Insurance Industry Tactics](https://premier-claims.com/blog/unmasking-insurance-industry-tactics/) - Discover why some insurance policies contain a "No Public Adjuster" clause and how it impacts your rights as a policyholder. Learn how to get fair compensation!
- [Premier Takes Fire Claim from $86K to $711K](https://premier-claims.com/blog/premier-takes-fire-claim-from-86k-to-711k/) - See how Premier CLaims turned a $86,500 fire damage insurance offer into a $711,536 settlement for a Fort Worth industrial park after a vandalism-related fire.
- [Hail Damage Claim Jumps to $667K Payout](https://premier-claims.com/blog/confidential-condominium-association/) - Premier Claims increased a hail damage settlement from $33K to $667K for a condominium association after the insurer downplayed the damage.
- [California Wildfire Relief](https://premier-claims.com/blog/california-wildfire-relief/) - Discover comprehensive California wildfire relief resources. Find emergency aid, donation opportunities, volunteer options, and guidance for local communities.
- [Mold Exclusions: What Your Insurance Carrier Isn’t Telling You](https://premier-claims.com/blog/mold-exclusions-in-insurance-policies/) - Mold Mayhem Mold— it’s like that uninvited guest who shows up at your party, eats all the snacks, and leaves you with a mess to clean up. Unlike a party crasher, mold can cause serious damage to your property and health. The real kicker? Your insurance policy may not cover the damage. Surprised? You’re not
- [The Importance of Filing an Insurance Claim Promptly](https://premier-claims.com/blog/file-insurance-claim-promptly/) - Delaying Your Property Insurance Claim Could Cost You When your property is damaged after a storm, are you putting off filing an insurance claim? If your answer is "yes," it's time to rethink your strategy. Delaying action might seem like the easy way out, but the long-term consequences could cost you much more than
- [Save on Insurance Premiums Without Sacrificing Coverage](https://premier-claims.com/blog/reduce-premiums/) - Navigating the complex world of insurance doesn't have to be overwhelming. For property owners, one of the most impactful ways to reduce premiums while maintaining excellent coverage is by reviewing and optimizing their insurance policies. Understanding Your Policy Insurance policies consist of various components, including deductibles, coverage limits, and endorsements. Understanding these elements allows property
- [Understanding Insurance Claim Reassignments](https://premier-claims.com/blog/insurance-claim-reassignments/) - Why Is My Insurance Claim Getting Passed Around Like the Latest Gossip? If you’ve ever filed an insurance claim, you know the process can be as fun as watching paint dry. But just when you think things are moving along—you’re made aware your claim has been reassigned to a new adjuster. Cue the frustration! Why
- [Additional Living Expenses for Commercial Properties](https://premier-claims.com/blog/additional-living-expenses/) - Owning commercial property comes with its own set of challenges, especially when unforeseen events disrupt business operations. Additional Living Expenses (ALE) coverage, often overlooked by commercial property owners, can be a crucial aspect of recovery. Premier Claims is here to shed light on ALE coverage for commercial properties. Understanding Additional Living Expenses (ALE) for Commercial
- [90 Days Later: Has Your Hurricane Claim Been Ignored?](https://premier-claims.com/blog/90-days-after-hurricane/) - What Your Insurance Carrier Should Have Done by Now It’s been nearly three months since Hurricane Helene and Milton left paths of destruction across the Southeast. For those impacted, the recovery process has been long and challenging. If you’ve filed an insurance claim, you might wonder what’s taking so long—or if your insurance carrier has
- [Hurricane Post-Recovery](https://premier-claims.com/blog/hurricane-post-recovery/) - The post-recovery after a hurricane can be a challenging and stressful experience. Understanding damage assessment, contacts, and expectations post-hurricane as a local resident can ease recovery burdens significantly. Assessing Hurricane Damage & Mitigation Prior to the storm, we recommend following a detailed checklist, having your property inspected, and accurately documenting the current condition of the
- [2024: Reflecting on a Year of Advocacy, Resilience & Results](https://premier-claims.com/blog/2024-year-of-advocacy/) - NAVIGATING THE STORMS TOGETHER Reflecting on a Year of Advocacy, Resilience & Results This year, our team has exemplified the true value of expertise and advocacy in the claims process. By meticulously documenting every detail, negotiating with carriers, and ensuring that our clients, the policyholders, always come first, we’ve been able to deliver results that
- [Position Letters: How Carriers and Public Adjusters Play Their Power Moves](https://premier-claims.com/blog/position-letters-in-insurance/) - How Insurance Carriers and Public Adjusters REALLY View Position Letters Position letters are more than just formal documents—they’re the battleground where insurance carriers and policyholders (or their advocates) square off. Depending on who’s holding the letter, its purpose and impact shift dramatically. From the Insurance Carrier’s Perspective: A Risk Assessment Tool For insurance carriers, a
- [Public Adjusters and Position Letters—A Match Made in Heaven ](https://premier-claims.com/blog/public-adjuster-position-letter/) - Writing a position letter can feel like explaining quantum physics to a toddler—complex, frustrating, and next to impossible. That’s where public adjusters come in. They’re like the translators, advocates, and strategists you didn’t know you needed. 1. Decoding Insurance Jargon Let’s face it—insurance policies are written to confuse. Public Adjusters have the expertise to cut
- [What Is a Position Letter?](https://premier-claims.com/blog/what-is-a-position-letter/) - Position Letters 101: Your Secret Weapon in Insurance Claims If you’ve ever filed an insurance claim, you know the process can feel like running an obstacle course—except the obstacles are confusing terminology and red tape. One term that might make you pause is “position letter.” Don’t worry; it's simpler than it sounds. Let’s break it
- [How Expert Testimony Can Transform Your Property Damage Claim](https://premier-claims.com/blog/expert-testimony-transforms-claims/) - Expert Testimony: The Game-Changer in Property Damage Claims When a storm wreaks havoc on your property, the last thing you want is your insurance claim to get tangled in a web of technicalities. Yet, when it comes to disputes over the cause of damage, courts and insurance carriers increasingly rely on one powerful tool: expert
- [The Future of Property Insurance in Florida](https://premier-claims.com/blog/the-future-of-property-insurance-in-florida/) - The Future of Property Insurance in Florida What’s Next for 2025? As Florida faces an ongoing property insurance crisis, residents are left wondering: Will anything change in 2025? The state’s lawmakers will soon gather in Tallahassee to discuss potential solutions, but with much still up in the air, property owners in Florida should brace themselves
- [The Domino Effect of Underpaid Claims on Local Communities](https://premier-claims.com/blog/effect-of-underpaid-claims/) - The Domino Effect of Underpaid Claims on Local Communities When disaster strikes, communities rely on swift, fair insurance settlements to rebuild and recover. However, underpaid insurance claims often disrupt this recovery process, creating a ripple effect that impacts not just the property owner but also local contractors, businesses, and the broker economy. Understanding Underpaid Claims
- [Untold Advantages of a Damage-Free Inspection](https://premier-claims.com/blog/no-damage-inspections-benefits/) - 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
- [Public Adjuster Near Me: Things to Look for and Consider](https://premier-claims.com/blog/public-adjuster-near-me/) - Recovering from the devastation of storm damage is a complex process, and having a reliable public adjuster by your side can make all the difference. The aftermath of a natural disaster is overwhelming, especially when it comes to dealing with insurance claims. Partnering with a public adjuster who understands the challenges you face and tailors
- [New Endorsements May Impact the Claims Process for Property Owners](https://premier-claims.com/blog/new-endorsements-property-owners/) - Understanding Roofing Materials Payment Schedule Endorsements How They Affect Property Owners When it comes to roofing claims, understanding the fine print of your insurance policy can make or break your claim. A key detail to watch for is the roofing materials payment schedule endorsement—a clause that determines how and when your insurance carrier will reimburse
- [When Trust Is for Sale](https://premier-claims.com/blog/when-trust-is-for-sale/) - How Insurance Carrier Scandals Hurt Policyholders Insurance is built on trust. You pay your premiums; in return, you expect your carrier to have your back when disaster strikes. But what happens when that trust is undermined—not by a denied claim but by insurance carrier corruption at the highest levels? The Allegations That Shocked the Industry
- [Roofing Materials Payment Schedule Endorsements Explained](https://premier-claims.com/blog/roofing-materials-payment-schedule/) - Everything You Need to Know About Roofing Materials Payment Schedule Endorsements Insurance policies are constantly evolving, and recent changes in the insurance industry—like Progressive Home’s shift toward owner-occupied homes—make it more critical than ever for property owners and contractors to stay informed about crucial policy updates. One such change involves endorsing payment schedules for roofing
- [The Impact of the 2024 Hail Season on Insurance Premiums](https://premier-claims.com/blog/2024-storms-impact-premiums/) - 2024 felt like a scene out of a disaster movie for property owners across the United States. Relentless hailstorms—with some producing record-breaking hailstones over six inches in diameter—battered properties and overwhelmed insurers. While the physical damage was evident, the financial fallout, particularly rising insurance premiums, continues to burden property owners. Here’s how the 2024 hail
- [The Impact of Hail](https://premier-claims.com/blog/impact-of-hail/) - Understanding Size, Formation, and Damage Hail, a type of solid precipitation that forms within thunderstorm updrafts, has fascinated and intimidated humans for centuries. Frequently causing damage to homes, cars, and aircraft, and posing a significant threat to people and livestock, these formidable ice orbs are a spectacle of nature's power. From Raindrop to Hailstone: How
- [Are Low-Risk States the Future of Safe Property Investments?](https://premier-claims.com/blog/are-low-risk-states-the-future-of-safe-property-investments/) - Are Low-Risk States the Future of Safe Property Investments? The New Geography of Property Ownership For many Americans, homeownership is more than a financial milestone—it’s a deeply personal achievement tied to safety, stability, and legacy. However, climate change is increasing the frequency and intensity of natural disasters nationwide. As a result, many homeowners are questioning
- [Is Insurance a Fading Safety Net?](https://premier-claims.com/blog/climate-change-impacts-premiums/) - Climate Change and the Future of Home Protection In an age where climate change is rewriting the rules for everything from daily weather to financial security, many homeowners ask, “Can I rely on my insurance to protect my home?” The answer, once a simple “yes,” is now more complicated. Rising natural disaster rates, skyrocketing premiums,
- [Are You Underinsured?](https://premier-claims.com/blog/are-you-underinsured/) - The Silent Risk Lurking in Your Business Insurance When was the last time you reviewed your property insurance policy? If you’re like most business owners, the answer is probably "too long ago." Unfortunately, complacency could cost you everything. Recent market changes—skyrocketing construction costs, supply chain delays, and increasing natural disasters—mean your coverage from two years
- [How Climate Drives Insurance Rates and Property Damage](https://premier-claims.com/blog/climate-risks-insurance-costs/) - How Climate Drives Insurance Rates and Property Damage Weathering the Unexpected In the wake of recent storms, many property owners are realizing how unpredictable the weather—and their insurance coverage—can be. Severe weather events are becoming more frequent and more destructive, pushing property owners and insurers to the brink of financial strain. Understanding the relationship between
- [30 Days After Hurricane Milton](https://premier-claims.com/blog/insurance-hurricane-responsibility/) - 30 Days After Hurricane Milton What Your Insurance Carrier Should Be Doing—What You Can Do It’s been a month since Hurricane Milton swept through our lives, leaving damage, heartbreak, and countless homes and businesses struggling to rebuild. In the aftermath, you might have filed a Hurricane Milton claim expecting prompt support. But here we are—30
- [Merlin Law Group's Warning on New Florida Insurance Law](https://premier-claims.com/blog/florida-insurance-claim-delays/) - Insurance Carriers Develop New Delay Tactic in Florida Florida's latest insurance law puts policyholders at a distinct disadvantage. In a revealing article, Chip Merlin breaks down how this legislation leaves people stranded in paperwork while insurers get to take their sweet time. The crux? Florida policyholders must now file a complete "proof-of-loss statement" before insurers
- [Nebraska's 2024 Storm Damage: Winter Risks to Address Now](https://premier-claims.com/blog/nebraskas-2024-storm-damage/) - How Nebraska's Record Storms Could Lead to Bigger Problems This Winter Nebraska has never been a stranger to storms, but 2024 took it to a whole new level. From relentless tornadoes to massive hailstorms, the state has endured a barrage of extreme weather events that have left many properties vulnerable to hidden damage. And as
- [Nebraska’s Property Insurance Crisis](https://premier-claims.com/blog/nebraskas-property-insurance-crisis/) - Nebraska’s Property Insurance Crisis How Hailstorms and Tornadoes are Driving Premiums Through the Roof Nebraska’s weather can be downright relentless. With tornadoes and hailstorms frequently appearing each season, the aftermath often leaves property owners grappling with soaring insurance premiums. While we can’t ignore the power of Mother Nature, do insurers really need to pass every
- [Tech Innovations in Hurricane Recovery](https://premier-claims.com/blog/tech-innovations-hurricane-recovery/) - As communities assess the aftermath of not one but two hurricanes—first Helene, now Milton—the emotional and physical toll on property owners is profound. When you're staring at your damaged home or business, the recovery process can feel overwhelming. But, in 2024, technology is stepping up to offer hope and support. From drones flying high above
- [Hurricane Claims Already Facing Delays in Florida](https://premier-claims.com/blog/hurricane-claims-delays-florida/) - Are You Still Waiting to Hear From Your Insurance Carrier? You’re Not Alone. Imagine walking through your flooded home, wondering when—or if—you’ll receive the payout you desperately need to rebuild. Thousands of Floridians are living this nightmare after Hurricane Helene and Milton’s back-to-back devastation. With property damage soaring into the billions, insurance carriers are undoubtedly
- [Hurricane Recovery—Where to Start](https://premier-claims.com/blog/hurricane-helene-and-milton-recovery/) - Start Your Hurricane Recovery Process on the Right Foot After Helene and Milton Hurricane Helene and Hurricane Milton have left many property owners facing the daunting task of assessing and recovering from damage. As you begin to navigate the recovery process, it's crucial to choose the right contractor to ensure your property is restored to
- [Hurricane Milton Tornado Damage](https://premier-claims.com/blog/hurricane-milton-tornado-damage/) - Hurricane Milton Tornado Damage Florida’s Unexpected Catastrophe When Hurricane Milton slammed into Florida earlier this week, those outside the hurricane’s path expected heavy rainfall and minimal flooding. However, many Florida residents faced an entirely different danger: tornadoes. In just under 25 minutes, three tornadoes ripped through St. Lucie County, claiming lives and leaving a trail
- [Depreciation in Insurance Claims: Are You Getting Short-Changed? ](https://premier-claims.com/blog/depreciation-in-insurance-claims/) - Understanding Depreciation in Insurance Claims: Are You Getting Short-Changed? When your property is damaged and you file an insurance claim, you might think you’ll get exactly what it’s worth. But, as many policyholders quickly discover, the insurance carrier has a clever little trick up its sleeve—depreciation. You know, the convenient way of making your ten-year-old
- [Recoverable Depreciation: RCV and ACV Policies Explained](https://premier-claims.com/blog/what-is-recoverable-depreciation/) - Understanding your insurance policy can be daunting, especially when faced with complex terms like "recoverable depreciation." For numerous policyholders, this idea might seem unfamiliar. Yet, it's crucial for both Replacement Cost Value (RCV) and Actual Cash Value (ACV) policies. In this guide, we'll cover recoverable depreciation, differentiate RCV from ACV, clarify payment timing for recoverable
- [Make an Appeal: Denied Property Insurance Claims](https://premier-claims.com/blog/make-an-appeal-denied-property-insurance-claims/) - No-Nonsense Guide to Turning Rejection into Victory Got a big, fat “denied” stamp on your insurance claim? Ouch—we know how much that hurts. A denial isn’t the end of the road—it’s just a detour. If you're ready to file an appeal for your denial, it’s time to roll up your sleeves, gather your facts, and
- [Florida Hurricane Resources](https://premier-claims.com/blog/florida-hurricane-resources/) - Hurricane Emergency Resources Florida resource guide for those impacted by Hurricane Helene & Milton During the recovery process, our team will be adding and updating the Florida guide as more information and resources become available. Undeniably, Hurricane Milton will have a significant impact, just as Hurricane Helene has shown throughout the Southeast. Above all, your
- [Insurance Carriers Leave Hurricane Victims Vulnerable](https://premier-claims.com/blog/hurricane-helene-and-milton-victims/) - When Wind Exclusions Leave Hurricane Victims Vulnerable—Stark Reality The aftermath of Hurricane Helene has left many property owners picking up the pieces—literally and figuratively. While most policyholders assume their insurance will come through in times of crisis, many are blindsided by one significant policy clause—the wind exclusion. This clause often leaves hurricane-affected property owners unprotected,
- [Hurricane Milton Hits Category 5 Status—Prepare Yourself](https://premier-claims.com/blog/hurricane-milton-hits-category-5-status-prepare-yourself/) - Florida Property Owners Forced to Prepare for Hurricane Milton Days After Hurricane Helene Florida is no stranger to hurricanes, but the threat of Hurricane Milton, following closely on the heels of Hurricane Helene, is unimaginable. If you’re still dealing with the destruction of Helene or in the path of Milton, it’s crucial to take immediate
- [Hurricane Milton's Looming Threat](https://premier-claims.com/blog/hurricane-miltons-looming-threat/) - A Hurricane for the History Books—Made Worse by the Wreckage from Hurricane Helene As Florida anxiously awaits the arrival of Hurricane Milton, many policyholders are still grappling with the aftermath of Hurricane Helene. The combination of uncollected debris and an intensifying storm sets the stage for a “worst-case scenario.” Residents should brace for potentially catastrophic
- [Hurricane Resources: State-by-State Guide](https://premier-claims.com/blog/hurricane-season-resources/) - Hurricane Emergency Resources State-by-State resource guide for those impacted by Hurricane Helene & Milton During the recovery process, our team will be adding and updating the state-by-state guide as more information and resources become available. Undeniably, Hurricane Milton will have a significant impact, just as Hurricane Helene has shown throughout the Southeast. Above all, your
- [Insurance Carriers May Go Unscathed from Hurricane Helene](https://premier-claims.com/blog/insurance-carriers-may-go-unscathed-from-hurricane-helene/) - An Estimated $6.4 Billion in Insured Losses, and Yet Carriers May Come Out Unscathed When a hurricane like Helene barrels ashore, devastating homes, businesses, and entire communities, it’s easy to assume your insurance carrier will have your back. Unfortunately, that assumption could lead to financial heartbreak. For property owners, Hurricane Helene isn’t just a lesson
- [Hurricane Helene Storm Update with Big Dog Country](https://premier-claims.com/blog/interview-with-big-dog-country/) - IN RECENT NEWS On today's episode of the Butch and Bob Show on Big Dog Country station in Georgia, one of our most experienced and valued policyholder advocates, Caitlyn Milligan discusses the restoration efforts following Hurricane Helene.
- [The Role of a Public Adjuster vs. Insurance Adjuster](https://premier-claims.com/blog/public-adjuster-vs-insurance-adjuster/) - When disaster strikes—whether it's a storm, fire, or water damage—one of the first steps in getting your life back on track is filing an insurance claim. But when it comes to navigating the complex world of insurance, understanding the role of a Public Adjuster versus an Insurance Carrier Adjuster can make all the difference in
- [Hurricane Helene Update with HailTrace](https://premier-claims.com/blog/hurricane-helene-recovery-team-update/) - IN RECENT NEWS In this insightful discussion, Kyle Maring, CEO of Premier Claims, sits down with a representative from HailTrace to discuss the impact of Hurricane Helene. They explore the current challenges faced by affected communities and outline the crucial next steps for restoration and recovery efforts. Tune in to hear their professional perspectives on
- [Surviving Hurricane Helene and Bad Faith Tactics](https://premier-claims.com/blog/surviving-bad-faith-tactics/) - What You Need to Know About Insurance and Bad Faith Tactics In the wake of Hurricane Helene, thousands of families are still displaced, uncertain of when—or if—they’ll be able to return to their homes. With homes flooded, roofs torn off, and belongings destroyed, the path to recovery is overwhelming. Many are still waiting to hear
- [Hurricane Helene Damage: Wind vs. Water Coverage](https://premier-claims.com/blog/hurricane-helene-damage-wind-vs-water-coverage/) - Hurricane Helene brought a mix of powerful winds and torrential rain, leaving behind extensive damage. Property owners now face the challenge of filing claims, but many may not fully understand what their policies cover. Things can get murky when it comes to the differences between wind damage, water damage, and concurrent losses. Wind Damage vs.
- [Understanding Water Damage Coverage: A Policyholders Guide](https://premier-claims.com/blog/water-damage-coverage-policyholders-guide/) - Water damage is one of the most common and potentially devastating issues property owners face. Whether it's due to a burst pipe, heavy rainfall, or a faulty appliance, water damage can wreak havoc on your property. Understanding your insurance coverage is crucial in such situations. We will delve into the intricate details of water damage
- [Aftermath of a Storm: Key Steps to Take](https://premier-claims.com/blog/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. Survey Exterior Damage After ensuring your
- [Importance of Acting Promptly After a Date of Loss](https://premier-claims.com/blog/acting-promptly-after-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
- [Being Blind to Your Insurance Coverage Can Lose You Money](https://premier-claims.com/blog/being-blind-to-your-insurance-coverage/) - When was the last time you read your policy? Do you remember ever seeing it? The claims process can be incredibly overwhelming and confusing, especially if you aren’t familiar with policy language. Premier Claims is here to help. Know Your Coverage Inside Out Whether or not you understand your insurance policy can make or break
- [Get a Policy Review: Protect Yourself from Carrier Tactics](https://premier-claims.com/blog/dont-leave-yourself-vulnerable-insurance-carriers-tactics/) - How Do You Know You’re Properly Covered in the Event of a Disaster? Answer— You Don’t! We’ve all got a million and one things on our plate, and who has the time to sit down and dissect an insurance policy, right? Here’s the cold, hard truth— neglecting that policy review could be the decision that
- [Why Insurance Claims Are Denied and Underpaid](https://premier-claims.com/blog/denied-underpaid-insurance-claim/) - Navigating insurance claims can feel like deciphering a cryptic puzzle. You file a claim expecting support, only to face the frustration of either a denied or underpaid insurance claim. Ever wondered what causes these outcomes? Join us as we unveil why insurance claims sometimes fall short and how you can proactively protect your rights. Profit
- [What Do You Do After Property Damage Occurs?](https://premier-claims.com/blog/what-do-you-do-after-property-damage-occurs/) - Steps to Take After Property Damage As you’re sitting at your dinner table, drinking your coffee, and eating your breakfast, you open up Facebook, and all you see are photos, videos, and news articles about the hail storm that swept through your neighborhood. You see that one of your friends posted a picture of a
- [Hassle-Free Inspections= Streamlined Insurance Claims](https://premier-claims.com/blog/streamlined-insurance-claims/) - At Premier Claims, we strive to make the inspection process seamless and hassle-free. Discover how we manage the inspection process without requiring you or your contractor to be onsite, which, in turn, creates a streamlined insurance claims process. Hassle-Free Inspections One key advantage of working with Premier Claims is our convenient and hassle-free inspection process.
- [Hurricane Ian Claim Denials: Has Your Claim Been Reviewed?](https://premier-claims.com/blog/hurricane-ian-insurance-claim-denials/) - The State of Hurricane Ian Insurance Claims Hurricane Ian brought widespread devastation to Florida, prompting a surge in insurance claims. However, data from the Florida Office of Insurance Regulation (FLOIR) reveals a concerning reality: a significant portion of these claims were denied. Specifically, 28.3% of residential and 30.6% of commercial claims were fully denied, leaving
- [Insurance Deception Exposed: Who is Your Carrier Loyal to?](https://premier-claims.com/blog/insurance-deception-mask-of-trust/) - 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
- [The Strategic Value of Litigation in Insurance Claims](https://premier-claims.com/blog/litigation-for-insurance-claims-best-investment/) - There are a few words and phrases that invoke a cringe response within a business setting: bankruptcy, data breaches, and cash flow problems, to name a few. However, the number one trigger for any business owner should be a tie between a lawsuit or litigation. For many business owners, the thought of entering litigation can
- [Boost The Likelihood Of Insurance Claim Success](https://premier-claims.com/blog/public-adjuster-insurance-claims-success/) - To be blunt, insurance claims are often complex, time-consuming, and incredibly frustrating. While they are a necessary evil, they shouldn’t run your life. Paying for a public adjuster might seem counterintuitive, but their expertise can lead to larger settlements, saving you time and navigating the complex claims process more effectively. The Insurance Carrier’s Priorities It’s
- [Why Canceling Your Inspection Should Be a Last Resort ](https://premier-claims.com/blog/property-damage-inspection-importance/) - 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
- [Insurance Carrier Tactics Exposed](https://premier-claims.com/blog/common-insurance-carrier-tactics/) - When you file an insurance claim, you expect your insurance carrier to have your back. Right? After all, that’s why you’ve been paying premiums all these years. Unfortunately, the reality is often quite different. Insurance companies, like any business, are driven by profits. This can lead to practices prioritizing their bottom line over your best
- [Guide to Filing a Claim: The Essentials](https://premier-claims.com/blog/what-you-need-when-filing-a-claim/) - Filing a property insurance claim can be a meticulous process, but being armed with the right information is key to a successful outcome. In this comprehensive guide, we’ll explore the essential information you need to file a property insurance claim effectively. Whether it’s understanding the details of the incident or gathering crucial documents, this guide
- [Mitigating Further Damage After a Hurricane](https://premier-claims.com/blog/mitigation-after-a-hurricane/) - The destruction after a hurricane can be immense and overwhelming. And despite the aftermath of a hurricane, the last thing you want is for your property to suffer more damage. Your insurance policy will also mandate for you to mitigate further damages. We’ll discuss your duty as a policyholder to mitigate further damages, options for
- [Why Policyholders Hesitate to Sign Contracts with Public Adjusters](https://premier-claims.com/blog/why-policyholders-hesitate-to-sign-contracts-with-public-adjusters/) - When disaster strikes and your property is damaged, hiring a public adjuster can ensure you receive a fair settlement from your insurance company. However, many policyholders hesitate to sign a contract with a public adjuster. Understanding the reasons behind the hesitation is crucial for policyholders and public adjusters. Concerns About Fees and Costs One of
- [Insurance Appraisal: Don't Gamble Your Investment Away](https://premier-claims.com/blog/insurance-appraisals-are-essential/) - Unlock Your Claims’ Potential Did you know that without undergoing the appraisal process, you could end up settling for less than you are entitled to under your insurance policy? Playing it is risky, with the odds seemingly stacked against you. Insurance carriers play hardball, leaving you feeling overwhelmed and outmatched. But fear not because appraisals
- [Premier Claims: Your Trusted Public Adjuster](https://premier-claims.com/blog/trusted-public-adjuster-insurance-claims/) - So, you’ve danced with the devil before, huh? We get it. But before you swear off public adjusters forever, let’s talk about why Premier Claims is the antidote to your past nightmares and the public adjuster you can trust. Who Can You Trust? Trust is a rare gem in the insurance world, but with Premier
- [Unseen Threats: Hidden Property Damage](https://premier-claims.com/blog/hidden-property-damage-regular-inspection/) - The Importance of Regular Inspections for Hidden Property Damage Regarding property damage, what you see isn’t always what you get. While some damage may be obvious upon initial inspection, a hidden threat often escapes the untrained eye, lurking beneath the surface. Understanding that not all damage is visible is crucial for maintaining the integrity of
- [Would You Work for Free? Why We Take a Fee](https://premier-claims.com/blog/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
- [Navigating Hail Damage: Metal Roofs](https://premier-claims.com/blog/navigating-hail-damage-metal-roofs/) - Hail storms are significant contributors to property damage caused by natural disasters. Among the various structures affected, metal roofs face their own unique set of challenges. With this guide, you will be empowered with the knowledge to identify and address hail damage on metal roofs, safeguarding your investments and ensuring the long-term integrity of your
- [Mastering the Game of the Claims Process](https://premier-claims.com/blog/mastering-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
- [Where is My Insurance Policy?](https://premier-claims.com/blog/find-your-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
- [Tornado Recovery, Where Do You Start?](https://premier-claims.com/blog/tornado-recovery-where-do-you-start/) - Emotions run high as communities assess the full extent of devastation caused over the weekend. About 40 tornadoes tore across the Midwest, including Nebraska, Iowa, Oklahoma, and Kansas, as well as a few down in Texas. Some reports show around a hundred tornadoes touched down over the tumultuous weekend. It’s clear there is much work
- [Damage Assessment Standards](https://premier-claims.com/blog/damage-assessment-standards/) - What Are Your Damage Assessment Standards? Knowing how to properly conduct a damage assessment of a property is a vital step in the claims process. Our team of experts put together an invaluable video guide that walks you through the damage assessment process and the minimum requirements we follow. From capturing photos of damage and
- [Insurance Coverage for Collapse](https://premier-claims.com/blog/insurance-coverage-for-collapse/) - You just bought your dream property— investing time, effort, and resources into making it a reality. Yet, amidst the joys of ownership lies the uncertainty of potential structural disasters. Enter collapse coverage, a policy feature often overlooked, but essential in shielding your investment. Learn about the depths of this coverage type, demystifying its significance, and
- [Seasonal Transitions: Optimizing HVAC Systems for Spring](https://premier-claims.com/blog/optimize-hvac-systems-for-spring/) - Spring has sprung, signaling commercial property owners to prepare their HVAC systems for the seasonal transition. Ensuring optimal performance of heating, ventilation, and air conditioning (HVAC) systems not only improves comfort, but also enhances energy efficiency and prolongs the lifespan of equipment. Optimize your HVAC systems in your commercial property this spring season. Prepare Your
- [Neglected HVAC Maintenance: Costly Consequences](https://premier-claims.com/blog/neglected-hvac-season-maintenance/) - As a commercial property owner, prioritizing seasonal maintenance for your HVAC system is paramount to protecting your investment and the longevity of your business. Neglect can lead to a multitude of costly consequences, impacting not only your bottom line but also the safety and well-being of your occupants. Explore the potential damage that can occur
- [What is a Damage Assessment?](https://premier-claims.com/blog/what-is-a-damage-assessment/) - Protect your property like a pro! Hear from our Inspections Manager and Adjusting Manager as they break down the essential steps and purpose of a damage assessment. Discover hidden signs of damage, and important safety measures, and gain the knowledge you need to navigate your claims process with confidence. Don’t leave your property vulnerable- watch
- [What is the Purpose of an Inspection?](https://premier-claims.com/blog/purpose-of-an-inspection/) - When was your property last inspected? Our inspections team provided expert insights into the true purpose and benefits of property inspections. From assessing damage firsthand to advocating for fair compensation, inspections serve as a critical step in protecting your investment. Don’t miss out on reaching your claim’s potential- watch now and learn why an inspection
- [Insurance Deductibles: What You Need to Know](https://premier-claims.com/blog/insurance-deductibles-what-you-need-to-know/) - As a commercial property owner or policyholder, understanding insurance deductibles is crucial for navigating the complexities of insurance coverage effectively. Explore the essentials of insurance deductibles, empowering you with the knowledge to make informed decisions and protect your valuable assets. What Is an Insurance Deductible? An insurance deductible is the amount of money you, as
- [Let's Talk Property Inspections](https://premier-claims.com/blog/lets-talk-property-inspections/) - Property inspections play a key role in the claims process, providing valuable insights into the extent of damage incurred. At Premier Claims, we recognize the significance of thorough inspections when fighting for a fair and accurate claim settlement. The Purpose of Property Inspections Inspections serve as a critical juncture where both the policyholder and the
- [Virtual Property Monitoring: Proactive Protection](https://premier-claims.com/blog/virtual-property-monitoring/) - Protecting your commercial property goes beyond mere vigilance; it requires a proactive approach that anticipates and mitigates potential risks. Premier Claims understands the paramount importance of protecting your investments. That’s why we proudly offer cutting-edge virtual property monitoring services. What is Virtual Property Monitoring? Virtual property monitoring represents a paradigm shift in risk management for
- [Why Pre-Hail Season Inspections Are Vital: Protect Your Property](https://premier-claims.com/blog/pre-hail-season-inspections/) - As hail season approaches, property owners face a critical decision: should they proactively inspect their property for potential damage, or wait until after a hailstorm wreaks havoc? Learn why scheduling pre-hail season inspections is not just advisable, but imperative. From protecting your investment to getting timely repairs, the benefits of early detection are endless. Why
- [Will My Insurance Premiums Go Up?](https://premier-claims.com/blog/insurance-premiums-public-adjuster/) - A hailstorm hits your area, leaving a trail of damage in its wake. Amidst the chaos, you’re left wondering about the aftermath, not just in terms of property damage but also the looming uncertainty of insurance premiums. Will your premiums go up if you seek professional help in navigating the claims process? Understanding Insurance Premiums
- [How Can I Protect My Property During a Hail Storm?](https://premier-claims.com/blog/protect-property-during-hail-storm/) - Hail storms can wreak havoc on your property, causing extensive damage to buildings, vehicles, and outdoor structures. As a policyholder, it’s important to take proactive measures to protect your property against the destructive force of hail. We’ve compiled a list of actionable steps and strategies to protect your property during a hail storm, aiming to
- [When Is the Right Time to File a Property Insurance Claim?](https://premier-claims.com/blog/when-should-i-file-a-claim/) - Filing an insurance claim is a critical aspect of recovering from property damage, but understanding the intricacies of the process is equally important. Premier Claims is here to guide you through the crucial aspects of filing a property insurance claim, focusing on the timeframe, process, and important steps to hopefully create a seamless experience. How
- [Hail Damage Coverage: Protect Your Commercial Property](https://premier-claims.com/blog/commercial-property-hail-damage-coverage/) - As hail season approaches, we recommend that business owners ensure their insurance policy includes hail damage coverage. Picture a shield, not just against hailstones, but against the unseen risks that follow. Hailstorms pose a significant threat to commercial properties, potentially causing extensive damage to roofs, windows, exterior structures, and equipment. To navigate the challenges of
- [Strategic Commercial Property Investments](https://premier-claims.com/blog/buying-commercial-property/) - As the new year unfolds, you may find yourself eager to expand your commercial property investments. Amidst the excitement, it’s important to make strategic and well-informed decisions. Conducting a thorough property inspection before any purchases are made is in your best interest. Regardless of the type of property you’re looking to purchase in 2024, enlisting
- [Smoke Alarms Insight: Revealing the Link Between Water Leaks](https://premier-claims.com/blog/smoke-alarms-water-leaks/) - When it comes to your property’s safety, smoke alarms serve as vigilant guardians against fire hazards. However, an unexpected scenario unfolds when these guardians sound an alarm not for fire, but for water. Explore the intriguing link between water leaks and smoke alarms as we uncover the silent signals that may indicate potential water damage
- [When Should I Hire a Public Adjuster?](https://premier-claims.com/blog/when-to-hire-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
- [Master Your Commercial Property Portfolio with Blanket Coverage](https://premier-claims.com/blog/blanket-coverage-commercial-properties/) - Managing multiple commercial properties comes with its own set of challenges. Juggling various insurance policies, each tailored to a specific property can be a daunting task. What if there was a solution that simplified this complex web of coverage, providing a comprehensive shield for all your properties under one umbrella? Enter Blanket Coverage, a game
- [What Type of Coverage Is Best for Your Property?](https://premier-claims.com/blog/best-coverage-for-your-property/) - The type of policy coverage you choose for your property has the potential to significantly impact your financial well-being. This blog explores the importance of choosing between named (or specified) and open perils coverage, and how this choice may affect your finances. Understanding the ins and outs of these coverage types is not just about
- [What Are Named Perils?](https://premier-claims.com/blog/what-are-named-perils/) - In the realm of property insurance, comprehensive coverage is key. At Premier Claims we believe that an informed policyholder is an empowered one. Policyholders often focus on broad strokes, but it’s the finer details that truly define the protection you receive. One such detail worth exploring is the concept of Named Perils. The Power of
- [Protect Your Property from Ice Dams](https://premier-claims.com/blog/ice-dams/) - Winter brings its own set of challenges, and one particularly troublesome issue for property owners is the formation of ice dams. While they may seem innocuous at first, ice dams can lead to significant hidden damages if not addressed promptly. In this guide, Premier Claims sheds light on the causes of ice dams, the potential
- [Commercial Property Coverage: Difference Between BI and ALE](https://premier-claims.com/blog/difference-between-bi-and-ale/) - Navigating the complexities of commercial property coverage can be prone to misunderstandings. It’s crucial to grasp every aspect of your coverage to best prepare your property and business for anything that comes your way. Two terms that often cause confusion are Business Interruption (BI) and Additional Living Expenses (ALE). Let’s dive deeper into these policy
- [Involving Legal Professionals in Your Claim](https://premier-claims.com/blog/legal-pros-in-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.
- [Prepare Before the Storm](https://premier-claims.com/blog/prepare-before-the-storm/) - Being Hurricane Preparedness Week and with hurricane season quickly approaching, it is important you and your family are prepared by planning ahead. To prepare before the storm, we suggest focusing on four areas: Hurricane information & evacuation plan, strengthening your home & business, updating & reviewing your insurance policy, and stocking your supplies. Hurricane Information
- [Thorough Investigation Turns $1.9M into a $5.9M Claim Settlement](https://premier-claims.com/blog/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
- [History of Hurricane Preparedness Week](https://premier-claims.com/blog/history-of-hurricane-preparedness-week/) - May 1st through the 7th is National Hurricane Preparedness Week. If you don’t live in an area prone to hurricanes, you probably haven’t given them much thought. However, if you live in Florida or the surrounding area, chances are hurricanes have impacted your life in one way or another. How did Hurricane Preparedness Week start?
- [Tips on Preparing for a Large Storm](https://premier-claims.com/blog/tips-on-preparing-for-a-hurricane/) - Dealing with the aftermath of a large storm is stressful but strategic planning will make things easier. What can you do to prepare a storm? 1. Inspect Your Property Take photos of your property including siding, the roof, and soft metals, like vents and gutters. This will create a record of the state of the
- [FEMA Extends Deadline for Hurricane Ian Proof of Loss](https://premier-claims.com/blog/hurricane-ian-proof-of-loss-extension/) - After delivering the deadliest storm Florida has seen since the Labor Day hurricane of 1935, FEMA has issued a directive that extends the deadline to submit the Proof of Loss (POL) for a flood claim. The FEMA announcement detailed which states are eligible for the extension, including Florida, Georgia, South Carolina, North Carolina, and Virginia.
- [Meticulous Documentation Leads to a 683% Increase in the Settlement](https://premier-claims.com/blog/elite-transportation/) - Elite Transportation Warehouse Emporia, Kansas Hail & Water Damage November 2021 Despite presenting evidence from forensic damage experts that proved water intrusion had caused phenolic insulation to become acidic and cause damage to the steel decking, the insurance carrier remained steadfast with their $139,000 estimate. They also denied coverage for business losses, even though the
- [Insurance Carrier Collaboration Expedited Claim Process](https://premier-claims.com/blog/million-oaks-condo/) - Million Oaks Condominium Association Kenner, Louisiana Hurricane Ida August 2021 In the devastating aftermath of Hurricane Ida, the insurance carrier relied heavily on our expertise right from the start of the claim process. This collaboration showcased the mutual respect between the insurance carrier and our public adjusting team, all in the interest of expediting the
- [Increase Settlement by 208% with Code Upgrades with O&P Included](https://premier-claims.com/blog/galisteo-condos/) - Galisteo Center Condominium Association Santa Fe, New Mexico Hail Damage August 2021 Right from the start, our team was involved. After an initial joint inspection, the insurance carrier proposed a settlement of $629,000. We knew that wasn't enough. By highlighting the need for code upgrades and the replacement of outdated materials, we successfully increased the
- [Overturned Insurance Carrier's Decision in Less Than 4 Months with 7,664% Increase in Settlement](https://premier-claims.com/blog/dc-warehouse/) - DC Warehouse Marshalltown, Iowa Hail, Wind & Water Damage August 2020 In August 2020, a derecho—a fast-moving cluster of severe thunderstorms capable of tornadic winds, heavy rains, and flash floods—devastated the Midwest. Despite the extensive damage to the building, the insurance carrier was offering a significantly underpaid settlement. That's when our team stepped in to
- [Underpaid Claim for Condo Association: Premier Claims Doubles Settlement](https://premier-claims.com/blog/winding-waters-condo/) - Winding Waters Condo Association Oswego, Illinois Hail & Wind Damage June 2019 Initially, the insurance carrier did not fully recognize the value of the claim, leaving crucial damage underfunded. Our expert team stepped in, meticulously aligning the claim elements with code requirements and policy coverage. Through comprehensive documentation, we showcased the true costs of materials
- [Let's Talk Scopes](https://premier-claims.com/blog/scopes/) - Ever wondered what goes into a scope inspection for hail damage? Our latest video guide takes you behind the scenes of this critical process. Conducted by our team of seasoned experts, the scope is designed to identify all forms of hail damage on your property—from dented metal surfaces and cracked windows to damaged roofing materials.
- [How to Identify Hail Damage](https://premier-claims.com/blog/how-to-identify-hail-damage/) - Is your property at risk of hail damage? Knowing how to identify hail damage and the signs can save you time, money, and a lot of headaches. Our expert team has put together an invaluable video guide that walks you through the process of how to identify hail damage on your property. From common indicators
- [Coronavirus & Business Interruption Insurance Coverage](https://premier-claims.com/blog/coronavirus-business-interruption-insurance-coverage/) - The Coronavirus global pandemic has significantly impacted not only individuals throughout the world but businesses and their employees’ livelihoods. The United States pledges almost $1 trillion to bail out big businesses and banks, aiming to soften outcomes. However, this action will only help limited small businesses and won’t safeguard the future of everyday working Americans.
- [Let's Talk Premiums, Exclusions & Endorsements](https://premier-claims.com/blog/premiums_exclusions_endorsements/) - Confused about insurance policy premiums, exclusions, and endorsements? You're not alone. Navigating the complexities of your insurance policy can be daunting, but understanding these elements is crucial for safeguarding your property. Our seasoned insurance legal experts have crafted a comprehensive video guide that explains these terms. Whether you're a business owner, property manager, or just
- [From Only Minor Spot Repairs Approved to $912k Settlement](https://premier-claims.com/blog/minor-spot-repairs-to-912k-settlement/) - Deshler Public Schools Deshler, Nebraska Hail Damage April 2021 At first, the insurance carrier approved only minor spot repairs for the flat part of the roof, amounting to a mere $993. The policyholder felt this was insufficient and reached out to us for assistance. Upon investigating, we discovered hail damage on the flat portion of
- [The Stock Market Trend and How it Affects Insurance Claim Payments](https://premier-claims.com/blog/the-balance-the-stock-market-trend-and-how-it-affects-insurance-claim-payments/) - The Coronavirus has significantly affected the stock market, leading to a sharp and rapid decline in average returns. The forecast indicates further deterioration before any improvement. Given the indefinite duration of the pandemic, the market is likely to continue its decline, contributing to a global economic recession expected to be fully established by the end
- [Financial Resource Guide for Small Business Owners to navigate through COVID-19](https://premier-claims.com/blog/covid19-financial-resources/) - COVID-19 has brought a lot of uncertainty to Small Businesses across the United States. Many business owners are feeling the financial pressures brought on by mandatory closures, or decreased traffic as a result of shutdowns. Things are changing daily as well, so it can make even the most veteran businessperson’s head spin. What every Small
- [Building Codes Policy Coverage](https://premier-claims.com/blog/know-your-local-building-codes/) - In the insurance world, there’s often a gap between policyholders’ expectations and what insurance carriers actually cover. This gap can arise from a lack of knowledge about local building codes, leading to missed items or omissions in insurance claims. Contractors may unwittingly find themselves performing uncompensated work, either due to not requesting payment for specific
- [Riot and Civil Commotion Coverage for Commercial and Residential Properties](https://premier-claims.com/blog/riot-and-civil-commotion-coverage-for-commercial-and-residential-properties/) - “Riot or Civil Commotion coverage” is commonly found in residential and commercial property insurance policies. There has been a lot of uncertainty amongst business owners that have suffered property losses due to the riots in the past few days. Hopefully the following will clarify some of those concerns. These perils cause physical damage to the
- [Differences of Tornadoes and Downbursts](https://premier-claims.com/blog/differences-of-tornadoes-and-downbursts/) - In the grand theater of meteorological events, two powerful weather phenomena play starring roles: tornadoes and downbursts. Though they both may seem like formidable players causing extensive damage, they are distinct in their formation, the type of winds they produce, and the nature of destruction they cause. This blog will dive into the world of
- [Water Damage: Categories & Classes](https://premier-claims.com/blog/water-damage-categories-classes/) - When dealing with water damage, it's crucial to understand the severity and potential risks involved. Water loss is classified by contamination level. Its class denotes damage extent and evaporation rate. As your trusted public adjusters, we provide crucial information about water loss categories and classes, guiding you through challenges. Water Loss Categories: Category 1: Category
- [Unlocking Opportunities with the Premier Purchase Program](https://premier-claims.com/blog/unlocking-premier-purchase-program/) - The real estate market is full of opportunities, particularly in commercial sectors, yet navigating it can be complex. If you are an investor looking to buy property, or a broker trying to close a deal swiftly on behalf of your client, the Premier Purchase Program offers a unique and advantageous solution. What is the Premier
- [Understanding Ordinance or Law Coverage in Property Insurance](https://premier-claims.com/blog/what-is-ordinance-or-law-coverage/) - Ordinance or Law Coverage is a term property owners often face when reviewing insurance policies. But what's its significance? This coverage safeguards owners, ensuring compliance with changing building codes. Our article explains Ordinance or Law Coverage, its categories, and its importance for policyholders. By understanding this often-overlooked aspect of property insurance, you can make informed
- [Cracking the Code: The Science and Geography of Earthquakes](https://premier-claims.com/blog/cracking-the-code-the-science-and-geography-of-earthquakes/) - Earthquakes are both powerful and unpredictable, and it's important that you're prepared for what they may bring. Discover how seismic energy releases and the movement of tectonic plates have impacted the world. Delve into the three main types of plate boundaries, exploring unique geological features and regions affected by living on them. Learn how to
- [Hurricane Ian to hit Florida: Prepare for the Storm](https://premier-claims.com/blog/hurricane-ian-to-hit-florida/) - Hurricane Ida hit Louisiana in 2021, and now in 2022, Hurricane Ian is impacting Florida, with a projected hit on Thursday. Hurricane Charley arrived at 150 mph in 2004, but wind speed isn't the sole threat of a hurricane. Storm surge and storm tide, life-threatening risks for Florida residents during Hurricane Ian, have prompted
- [Navigating Insurance Deductibles](https://premier-claims.com/blog/navigating-insurance-deductibles/) - In the world of insurance claims, the concept of deductibles is a crucial aspect that policyholders often encounter. These deductibles are designed to discourage unnecessary claims, yet their implications can have a significant impact on the policyholder's financial burden of damage to their property. Flat-Rate Deductibles vs Percentage-Based Deductibles When exploring the realm of
- [Individual Condo Insurance Policy vs. Master Insurance Policy](https://premier-claims.com/blog/individual-condo-insurance-policy-vs-master-insurance-policy/) - Welcome to Premier Claims, your trusted source for comprehensive insurance insights. Today, we're unraveling the complexities surrounding condominium insurance by shedding light on the distinctions between individual condo insurance policies and master insurance policies. Individual Condo Insurance Policies When residing in a condominium, it's essential to have a clear grasp of individual condo insurance. Imagine
- [Louisiana New Law: Allows for Public Adjusters](https://premier-claims.com/blog/louisiana-sb156/) - A new law, signifying a significant development for policyholders in Louisiana, has passed, forbidding property insurance policies from containing provisions that deny an insured individual's right to hire a public adjuster. Before the introduction of this new law, insurance policies with anti-public adjuster clauses prevented policyholders from hiring a public adjuster. The legislation aims to
- [Farmers Insurance No Longer Serving Florida Policyholders](https://premier-claims.com/blog/farmers-no-longer-in-florida/) - As hurricane-prone regions brace themselves for another potentially intense season, recent news about insurance carriers making policy changes has raised concerns among policyholders. In a surprising move, Farmers Insurance is no longer serving Florida policyholders, leaving thousands of residents in search of new coverage options. This decision serves as a stark reminder of the importance
- [Minimizing Financial Risk: The Seven Types of Vandalism](https://premier-claims.com/blog/seven-faces-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
- [Commercial Property Insurance Endorsements](https://premier-claims.com/blog/endorsements-why-do-they-matter/) - Navigating through endorsements in commercial property insurance can feel like a daunting task. But these critical elements of your insurance policy can significantly shape the protection afforded to your business. In this guide, we'll delve into what endorsements are, breaking them down into types and sorting them to help you understand their effect on your

## Pages

- [Home](https://premier-claims.com/) - Your expert public adjuster advocating for fair insurance settlements. We handle denied, delayed, or underpaid property claims nationwide.
- [Portfolio Clients](https://premier-claims.com/portfolio/) - Storm Damage in your portfolio? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Scottsbluff, Nebraska](https://premier-claims.com/scottsbluff-nebraska/) - Storm Damage in Scottsbluff, Nebraska? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [North Platte, Nebraska](https://premier-claims.com/north-platte-nebraska/) - Storm Damage in North Platte, Nebraska? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Norfolk, Nebraska](https://premier-claims.com/norfolk-nebraska/) - Storm Damage in Norfolk, Nebraska? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Columbus, Nebraska](https://premier-claims.com/columbus-nebraska/) - Storm Damage in Columbus, Nebraska? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Grand Island, Nebraska](https://premier-claims.com/grand-island-nebraska/) - Storm Damage in Grand Island, Nebraska? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Lincoln, Nebraska](https://premier-claims.com/lincoln-nebraska/) - Storm Damage in Lincoln, Nebraska? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Manhattan, Kansas](https://premier-claims.com/manhattan-kansas/) - Storm Damage in Manhattan, Kansas? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Kansas](https://premier-claims.com/kansas/) - Premier Claims is the public adjuster Kansas property owners trust for hail, wind, and storm damage claims. Serving communities statewide.
- [Lawrence, Kansas](https://premier-claims.com/lawrence-kansas/) - Storm Damage in Lawrence, Kansas? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Rockford, Illinois](https://premier-claims.com/rockford-illinois/) - Storm Damage in Rockford, Illinois? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Kansas City](https://premier-claims.com/kansas-city/) - Storm Damage in Kansas City? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [St. Louis, Missouri](https://premier-claims.com/st-louis-missouri/) - Storm Damage in St. Louis, Missouri? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Pueblo, Colorado](https://premier-claims.com/pueblo-colorado/) - Storm Damage in Pueblo, Colorado? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Chicago, Illinois](https://premier-claims.com/chicago-illinois/) - Storm Damage in Chicago, Illinois? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [San Antonio, Texas](https://premier-claims.com/san-antonio-texas/) - Storm Damage in San Antonio, Texas? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Houston, Texas](https://premier-claims.com/houston-texas/) - Storm Damage in Houston, Texas? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Dallas, Texas](https://premier-claims.com/dallas-texas/) - Storm Damage in Dallas, Texas? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Omaha, Nebraska](https://premier-claims.com/omaha-nebraska/) - Storm Damage in Omaha, Nebraska? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Lubbock, Texas](https://premier-claims.com/lubbock-texas/) - Storm Damage in Lubbock, Texas? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Austin, Texas](https://premier-claims.com/austin-texas/) - Storm Damage in Austin, Texas? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Fort Worth, Texas](https://premier-claims.com/fort-worth-texas/) - Storm Damage in Fort Worth, Texas? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [El Paso, Texas](https://premier-claims.com/el-paso-texas/) - Storm Damage in El Paso, Texas? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Topeka, Kansas](https://premier-claims.com/topeka-kansas/) - Storm Damage in Topeka, Kansas? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Colorado Springs, Colorado](https://premier-claims.com/colorado-springs-colorado/) - Storm Damage in Colorado Springs, Colorado? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Atlanta, Georgia](https://premier-claims.com/atlanta-georgia/) - Storm Damage in Atlanta, Georgia? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Denver, Colorado](https://premier-claims.com/denver-colorado/) - Storm Damage in Denver, Colorado? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Orlando, Florida](https://premier-claims.com/orlando-florida/) - Storm Damage in Orlando, Florida? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Wichita, Kansas](https://premier-claims.com/wichita-kansas/) - Storm Damage in Wichita, Kansas? Our public adjusters provide clarity, support, and peace of mind from the first call to final settlement.
- [Hail](https://premier-claims.com/claim-types/hail/)
- [Our Services](https://premier-claims.com/about/our-services/)
- [Claim Types](https://premier-claims.com/claim-types/)
- [Our Process](https://premier-claims.com/about/our-process/)
- [Legal Disclaimer](https://premier-claims.com/legal-disclaimer/) - Laws regulating public adjusters vary by state. All mentioned services may not be available in your state. For specific information on where Premier Claims and its public adjusters are licensed to operate, please contact us. The content of this website is provided for information purposes only. It is not intended nor should it be viewed as
- [Terms and Conditions](https://premier-claims.com/terms-and-conditions/) - TERMS AND CONDITIONS OF USE Last Updated: September 19, 2025 Welcome to the Premier Claims website. This site is maintained as a service to our customers. By using this site, you agree to comply with and be bound by the following terms and conditions of use. Please review these terms and conditions carefully. If you
- [Careers](https://premier-claims.com/about/careers/) - Ready to grow your career? Or just curious to know more, we’d love to meet you! Explore open roles for working with Premier Claims in the insurance industry.
- [Contractor Lead - General Submission](https://premier-claims.com/clients-denied-claim/) - Denied doesn’t mean done. Premier Claims helps denied property insurance claims with expert support, transparent guidance, and no upfront costs.
- [About](https://premier-claims.com/about/)
- [Document Inventory](https://premier-claims.com/document-inventory/) - Download a free inventory tracking template. Easily log property contents by location, calculate totals, and stay organized & prepared for insurance claims.
- [Contractors](https://premier-claims.com/our-clients/contractors/)
- [Claim Review](https://premier-claims.com/claim-review/)
- [Claim Submission](https://premier-claims.com/claim-submission/)
- [Get Insurance Help](https://premier-claims.com/get-help/)
- [Our Team](https://premier-claims.com/about/our-team/)
- [Claim Consult](https://premier-claims.com/claim_consult/) - If you're facing a denial or underpaid claim, or you just have questions regarding the insurance claim process, our team is your expert claim consult.
- [Hurricane Damage](https://premier-claims.com/claim-types/hurricane/) - Facing hurricane damage? Filing a claim can be daunting. Let our team help you navigate the process and get the support you need.
- [Fire Damage](https://premier-claims.com/claim-types/fire/) - If you have suffered fire damage, don't navigate your claim alone. We ensure proper evaluation, giving you the best chance to fully recover from your loss.
- [Water](https://premier-claims.com/claim-types/water/)
- [Vandalism & Theft](https://premier-claims.com/claim-types/vandalism/)
- [Terminology](https://premier-claims.com/resources/terminology/)
- [Resources](https://premier-claims.com/resources/)
- [General Policy Review](https://premier-claims.com/policy-review/) - General Claim Review Page for Policyholders from Website
- [Contact Us](https://premier-claims.com/contact-us/)
- [Storm Damage](https://premier-claims.com/storm-damage/)
- [Thank You](https://premier-claims.com/thank-you/)
- [Privacy Policy](https://premier-claims.com/privacy-policy/) - PRIVACY POLICY Last Updated: September 20, 2024 This Privacy Policy explains how Premier Claims, LLC ("Premier Claims," "Company," "we," "us," or "our"), describes how and why we might collect, store, and/or use ("process") your information. This Privacy Policy applies when you use our websites, mobile applications, and other online products and services that link to
- [Vala's Pumpkin Patch](https://premier-claims.com/valas-pumpkin-patch-giveaway/)
- [Claim a 2024 Husker Schedule](https://premier-claims.com/2024-husker-schedule/)
- [Join us for Happy Hour!](https://premier-claims.com/rsvp/)
- [Tornado](https://premier-claims.com/claim-types/tornado/)
- [Draft Claim Submission Example](https://premier-claims.com/draft-claim-submission/)
- [FAQs](https://premier-claims.com/resources/faqs/)
- [Job Application](https://premier-claims.com/join-premier-claims/)
- [Special Purpose](https://premier-claims.com/our-clients/property-owners/commercial/special-purpose/)
- [Hospitality](https://premier-claims.com/our-clients/property-owners/commercial/hospitality/)
- [Retail](https://premier-claims.com/our-clients/property-owners/commercial/retail/)
- [Office](https://premier-claims.com/our-clients/property-owners/commercial/office/)
- [Multifamily](https://premier-claims.com/our-clients/property-owners/commercial/multifamily/)
- [Residential](https://premier-claims.com/our-clients/property-owners/residential/)
- [Agriculture](https://premier-claims.com/our-clients/property-owners/agriculture/)
- [Property Owners](https://premier-claims.com/our-clients/property-owners/)
- [Industrial](https://premier-claims.com/our-clients/property-owners/commercial/industrial/)
- [Commercial](https://premier-claims.com/our-clients/property-owners/commercial/)
- [Our Clients](https://premier-claims.com/our-clients/)
- [Wind](https://premier-claims.com/claim-types/wind/)
- [Earthquake](https://premier-claims.com/claim-types/earthquake/)
- [HOA & COA](https://premier-claims.com/our-clients/hoa-coa/)
- [Asset Team](https://premier-claims.com/our-clients/asset-team/)
- [Business Interruption](https://premier-claims.com/claim-types/business-interruption/)

## Team Members

- [Kendall Carlsen](https://premier-claims.com/about/our-team/kendall-carlsen/) - Kendall Carlsen is a dedicated I.T. Systems Support Specialist with a rich blend of technical expertise and a warm, compassionate spirit. He grew up in the small town of Glenwood, IA, in a bustling household alongside four brothers and two sisters. Kendall learned the value of camaraderie, support, and resilience from an early age. Kendall’s
- [Bailey Wilson](https://premier-claims.com/about/our-team/bailey-wilson/) - Bailey Wilson, a native of Omaha, NE, was raised in a household that instilled values of dedication and service. Her father's role as a law enforcement officer and her mother's career in the insurance industry provided a unique blend of perspectives that shaped her character. After graduating from High School, Bailey pursued a higher education.
- [Melissa Hurrington](https://premier-claims.com/about/our-team/melissa-hurrington/) - Melissa Hurrington is a respected Finance and Business Professional with a seasoned career across multiple industries. She is a servant leader who sees beyond the numbers and instead sees the impact people make on a business. Aside from her husband and two children, nothing makes Melissa more proud than watching her team's individual growth under
- [Morgan Goulette](https://premier-claims.com/about/our-team/morgan-goulette/) - Morgan Goulette serves as an Account Manager here at Premier Claims. She has been with the team for just over a year. She is passionate about helping others and understanding the intricacies involved in insurance claims. In turn, she plays a pivotal role in ensuring clients receive the best possible outcomes during challenging times. Morgan
- [Kyle Maring](https://premier-claims.com/about/our-team/kyle-maring/) - Leading from the helm as a visionary and disrupting the insurance industry with unwavering advocacy for the policyholders is where one would find Kyle Maring: A high-performing, deeply analytical leader whose passion for business growth through discipline, creativity, and team effort is comparable to none. Initially, Kyle began his career in roofing & construction. During
- [Katlin Botsford](https://premier-claims.com/about/our-team/katlin-botsford/) - Katlin Botsford is a relationship-builder at heart, bringing nearly 15 years of experience in marketing, account management, and client advocacy to Premier Claims. A graduate of Le Moyne College in Syracuse with a degree in Business Marketing, Katlin built her career on hard work, problem-solving, and a deep passion for helping people. For more than
- [Bree Bain](https://premier-claims.com/about/our-team/bree-bain/) - Bree Bain encourages her team to try the impossible, embracing failure as a stepping stone, and empowering the team with confidence to achieve success.
- [Justin Schell](https://premier-claims.com/about/our-team/justin-schell/) - Justin Schell, born and raised in the beautiful state of North Dakota, has always felt drawn to the great outdoors and has developed a deep appreciation for nature. He hopes to inspire and motivate others to embrace the wonders of outdoor activities, including the thrilling experience of ice fishing and exploring the world with family.
- [Tony Matyko](https://premier-claims.com/about/our-team/anthony-matyko/) - With two decades of experience in relationship management, customer service, and client solutions, Tony brings a wealth of expertise to his role as a business development representative. Throughout his career, he has consistently driven results by combining persistence, creativity, and a solutions-focused approach to business development. A communications graduate from the University of Maryland, Tony
- [Cody Mace](https://premier-claims.com/about/our-team/cody-mace/) - Born and raised in the small town of Oakland, Nebraska, Cody carries with him the values of hard work, community, and integrity. These principles have shaped both his character and his professional approach. Growing up in a close-knit community taught him the importance of showing up for others, lending a hand when someone is in
- [Jordan Neville](https://premier-claims.com/about/our-team/jordan-neville/) - Jordan was born and raised in and around the New Orleans area. He attended LSU, where he studied Marketing and Business Administration and rooted for his beloved Tigers through two National Championships. He joined Premier Claims earlier this year and has been an incredible addition to our team. He brings great energy and attention to
- [Gracie Ewing](https://premier-claims.com/about/our-team/gracie-ewing/) - With her nurturing spirit, determination, and deep compassion for others, Gracie continues to make a lasting impact in the lives of those she serves.
- [Kaylee Fancher](https://premier-claims.com/about/our-team/kaylee-smith/) - Kaylee Fancher is a Jr. Desk Adjuster with a unique journey that showcases her adaptability, dedication, and passion for helping others. Born and raised in Wyoming, Kaylee embarked on her professional journey in the field of social sciences after college. Her early career was marked by her role as a Montessori Director and teacher, where
- [Rhyse Searl](https://premier-claims.com/about/our-team/rhyse-searl/) - Rhyse Smith is a Texas-born brand storyteller, crafting sharp, strategic content that drives engagement and keeps Premier Claims ahead of industry trends.
- [Elizabeth Piccolo](https://premier-claims.com/about/our-team/elizabeth-piccolo/) - Elizabeth Piccolo has been in the Public Adjusting industry since 2013 and holds 44 Public Adjuster licenses. She has experience in nearly all areas of the business, including direct negotiations with insurance carriers, client management, operations, and marketing. This background, mixed with an intuitive strength in technology and automation, has resulted in her discovering her
- [Mikayla Ross](https://premier-claims.com/about/our-team/mikayla-ross/) - Mikayla Ross is a seasoned insurance professional with a track record of excellence in the industry. She has dedicated herself to her work for over eight years. As a licensed public adjuster for more than 4 years, Mikayla brings a wealth of expertise and knowledge to the table. This makes her a trusted and reliable
- [Ashley Balsbaugh](https://premier-claims.com/about/our-team/ashley-balsbaugh/) - Ashley Balsbaugh is an accomplished attorney with an extensive background in title insurance law, which has shaped her unwavering commitment to delving deeper into the intricacies of contracts and legal research. The commitment to better understanding has helped her immensely with her responsibilities at Premier Claims, LLC. Professionally speaking, Ashley’s life revolves around the realm
- [Trevor Matulka](https://premier-claims.com/about/our-team/trevor-matulka/) - As an Associate General Counsel at Premier Claims, Trevor Matulka brings a robust legal background with a focus on achieving favorable outcomes for clients. Admitted to practice in both the Supreme Court of the State of Nebraska and the United States District Court for the District of Nebraska, Trevor is a dedicated legal professional committed
- [Kayla Dixon](https://premier-claims.com/about/our-team/kayla-dixon/) - Kayla Dixon has been with Premier Claims for nearly 4 years and is now the Human Resources Generalist. Throughout her career at Premier Claims, she has held many titles, such as Receptionist, Office Coordinator, Inspections Coordinator, and Office Manager. She finally found her niche in Human Resources when working on different projects within that department.
- [Chris Botsford](https://premier-claims.com/about/our-team/chris-botsford/) - With nearly two decades of experience in sales, marketing, and customer service, Chris Botsford brings a wealth of expertise and a relationship-first mindset to his role as a Business Development Representative at Premier Claims. Since graduating from St. John Fisher School of Business in 2007, Chris has built his career on connecting with people, understanding
- [Frankie Winkelman](https://premier-claims.com/about/our-team/frankie-hass/) - Frankie Winkelman serves as Associate Counsel at Premier Claims, LLC, where she focuses on compliance and supports the company’s work in the public adjusting industry. Her background combines legal training, government knowledge, and hands-on experience in client advocacy. Frankie earned her Juris Doctor from Creighton University School of Law, along with a Master of Science
- [Bhavin Patel](https://premier-claims.com/about/our-team/bhavin-patel/) - Bhavin Patel, a licensed Public Adjuster, has over 14 years of expertise in the insurance industry. Prior to becoming a Public Adjuster, he was an insurance agent for over 10 years, guiding his clients in managing their personal and commercial assets. This experience thus provided him with profound insights into insurance policies and the companies
- [Jessica Pappas](https://premier-claims.com/about/our-team/jessica-pappas/) - Premier Claims is fortunate to have Jessica Pappas, a dedicated Accounting Manager with over 20 years of experience steering financial operations. Originally from Southern California, Jessica spent the initial 27 years of her life basking in the West Coast sun before embarking on a professional journey that led her to various locales, including Austin, TX,
- [Devika Udupa](https://premier-claims.com/about/our-team/devika-udupa/) - Devika Udupa recently joined Premier Claims as a Salesforce Administrator, bringing a wealth of experience and expertise to the team. Her role involves delving into the intricacies of business challenges and tailoring solutions through the customization of the Salesforce Platform. Devika is adept at building, configuring, supporting, and automating technology solutions. Her goal is to
- [Madison Gilbert](https://premier-claims.com/about/our-team/madison-gilbert/) - One of the initial pillars at Premier Claims, Madison Gilbert started with Premier Claims as a Customer Service Representative. Due to her strong work ethic and success in assisting clients in achieving their desired results, Madison quickly rose to become the Customer Service Manager. As a manager in the founding years, Madison shaped and developed
- [Brent Roberts](https://premier-claims.com/about/our-team/brent-roberts/) - Brent Roberts is the Inspection Manager at Premier Claims, bringing a wealth of experience and expertise in the insurance industry. With a background as a dedicated claims adjuster, Brent understands insurance policies and the challenges policyholders face. Furthermore, his hands-on experience laid the foundation for his unwavering commitment to advocating for clients' rights and ensuring
- [Mandy Anderson](https://premier-claims.com/about/our-team/mandy-anderson/) - With a rich and diverse career spanning over two decades in the client services industry, Mandy Anderson brings a wealth of experience to her role as Director of Claims. Mandy joined Premier Claims in 2019, where she has since emerged as a dynamic force in leadership. As a seasoned professional, Mandy leads a dedicated team
- [Nick Andersen](https://premier-claims.com/about/our-team/nick-andersen/) - Nick Andersen serves as general counsel for Premier Claims. In this role, he provides legal counsel to the company's board of directors and senior management. He also leads a legal team that advises on, among other areas, commercial transactions, litigation management, labor and employment, regulatory matters, and corporate governance. With his extensive experience and expertise,
- [Ashley Workman](https://premier-claims.com/about/our-team/ashley-workman/) - Ashley Workman is a passionate self-starter who joined Premier Claims in 2020, bringing her experience with a seasoned career in the legal field. Having known nothing about Public Adjusting and no previous experience in the insurance industry, all she knew was that Premier Claims’ ultimate goal was helping people. From bankruptcy and family law to
- [Justin Protzman](https://premier-claims.com/about/our-team/justin-protzman/) - Justin Protzman is a seasoned Account Manager renowned for his expertise in the field of public adjusting. Born and raised in Grimes, Iowa, Justin brings a wealth of knowledge and passion to his role. With a diverse range of interests, including sports like golf, basketball, softball, fishing, and volleyball, Justin is always up for an
- [Rachel Potapenko](https://premier-claims.com/about/our-team/rachel-potapenko/) - Rachel Potapenko is a proud Wisconsinite who has made her way to Omaha, Nebraska! Armed with a degree in Early Childhood Education, she embarked on a journey that led her to the heart of the Midwest. In April 2023, Rachel joined Premier Claims as an Inspections Coordinator and is now a proud Jr. Desk Adjuster.
- [Caitlyn Milligan](https://premier-claims.com/about/our-team/caitlyn-milligan/) - Caitlyn Milligan is a highly regarded Public Adjuster. Known for her meticulous attention to detail, exceptional organizational skills, and unwavering commitment to client service. Her career began in 2021 by assisting property owners with commercial roofing sales. Ultimately leading her to join Premier Claims in January of 2023. Since then, she has established herself as
- [Toby Martinez](https://premier-claims.com/about/our-team/toby-martinez/) - Toby Martinez, an accomplished professional with a rich tapestry of experiences, has traversed diverse paths in the corporate world. He has a background as a recruiter and client service specialist. This allowed Toby to master the art of building meaningful connections with both talents and clients. In his role as an adjusting administrator, Toby has
- [Wesley Levison](https://premier-claims.com/about/our-team/wesley-levison/) - Wesley Levison is a seasoned public adjuster at Premier Claims with a background in roofing and project management. His expertise in storm damage inspections and customer service allows him to settle claims fairly for all parties involved. As a former contractor, he possesses a keen eye for assessing damages and providing comprehensive solutions for property
- [Leslie LeGrand](https://premier-claims.com/about/our-team/leslie-legrand/) - Meet Leslie LeGrand, the Senior Accountant at Premier Claims. Leslie is a seasoned accounting professional passionate about precision and financial integrity. With 17 years of experience, Leslie brings a wealth of expertise in financial analysis, making them a reliable and trusted figure in the accounting industry. Outside of work, Leslie finds joy and inspiration in
- [Krystal Johnson](https://premier-claims.com/about/our-team/krystal-johnson/) - Raised in the picturesque farmlands of Northern Iowa, Krystal Johnson brings a unique blend of creativity and strategic insight to the dynamic world of marketing. Her journey started at Western Technical College in La Crosse, WI, where she earned a degree in Visual Communications, setting the foundation for a passion-driven career. Krystal continued her academic
- [Chad Hosier](https://premier-claims.com/about/our-team/chad-hosier/) - Chad Hosier is a Sales Captain for Premier Claims. In his role he works to develop relationships with our clients nationally as well as training and developing our Business Development team to assist and serve our clients. He enjoys assisting contractors and their sales teams to help grow their business and improve their processes. With
- [Kenneth Hall](https://premier-claims.com/about/our-team/kenneth-hall/) - Kenneth Hall has over four decades of experience in the construction industry. His focus has always been on solving problems for his customers. This mindset led him into the product development and testing of numerous exterior building materials. He also conducted field studies and documented how these materials perform in various challenges, including weather-related issues.
- [MaKayla Fountain](https://premier-claims.com/about/our-team/makayla-fountain/) - As an Omaha Native, MaKayla Fountain has accumulated a variety of skills and provides a broad outlook on life. In 2008, MaKayla graduated high school from Omaha Public Schools, entering college with aspirations of being a 1st generation college graduate. With life’s challenges and vicissitudes, college was placed on hold, and she entered the corporate
- [Ryan Curl](https://premier-claims.com/about/our-team/ryan-curl/) - Ryan Curl is a seasoned public adjuster at Premier Claims with a remarkable background in the insurance industry. He worked as a workers' compensation adjuster for several years. Through this experience, he gained invaluable expertise in handling complex claims and navigating intricate legal processes. His subsequent three-year tenure as a public adjuster honed his skills
- [Alaina Bailey](https://premier-claims.com/about/our-team/alaina-bailey/) - Alaina Bailey's journey began in the Cornhusker State's rural charm of Blair, Nebraska. Now she resides in the bustling world of legal expertise. Her life has been a captivating blend of family, education, and a burning passion for the legal realm. With a background in fashion marketing, she's an invaluable asset at Premier Claims, discovering

## Terminology Terms

- [EPDM (Ethylene Propylene Diene Monomer)](https://premier-claims.com/terminology/epdm-ethylene-propylene-diene-monomer/) - Discover how EPDM roofing protects low-slope buildings and what to know about identifying wear or storm-related damage.
- [TPO (Thermoplastic Polyolefin)](https://premier-claims.com/terminology/tpo-thermoplastic-polyolefin/) - Learn what TPO roofing is, how it’s used in commercial buildings, and why proper inspection matters after storms or property damage.
- [Calendar Year Deductible](https://premier-claims.com/terminology/calendar-year-deductible/)
- [Plan Year Deductible](https://premier-claims.com/terminology/plan-year-deductible/)
- [Per-Occurrence Deductible](https://premier-claims.com/terminology/per-occurrence-deductible/)
- [Per-Claim Deductible](https://premier-claims.com/terminology/per-claim-deductible/)
- [Storm Surge](https://premier-claims.com/terminology/storm-surge/) - Learn what a storm surge is and how this powerful weather event can lead to severe coastal flooding and property damage during hurricanes and tropical storms.
- [Insurability](https://premier-claims.com/terminology/insurability/) - Learn what insurability is in property insurance, including the key factors that determine whether a property qualifies for coverage or uninsurable.
- [EF1 Tornado](https://premier-claims.com/terminology/ef1-tornado/) - EF1 tornadoes have wind speeds of 86-110 mph, causing roof damage, broken windows, and uprooted trees. Learn more about their impact and classification.
- [Mitigation](https://premier-claims.com/terminology/mitigation/) - Property damage mitigation involves taking immediate steps to reduce or prevent further damage after an initial loss.
- [Weatherstripping](https://premier-claims.com/terminology/weatherstripping/)
- [Hail](https://premier-claims.com/terminology/hail-term/)
- [EF3 Tornado](https://premier-claims.com/terminology/ef3-tornado/)
- [EF2 Tornado](https://premier-claims.com/terminology/ef2-tornado/)
- [Category 5 Hurricane](https://premier-claims.com/terminology/category-5-hurricane/)
- [Category 4 Hurricane](https://premier-claims.com/terminology/category-4-hurricane/)
- [Category 3 Hurricane](https://premier-claims.com/terminology/category-3-hurricane/)
- [Category 2 Hurricane](https://premier-claims.com/terminology/category-2-hurricane/)
- [Category 1 Hurricane](https://premier-claims.com/terminology/category-1-hurricane/)
- [Concurrent Loss](https://premier-claims.com/terminology/concurrent-loss/)
- [Insurance Premiums](https://premier-claims.com/terminology/insurance-premiums/)
- [Named Storm Deductibles](https://premier-claims.com/terminology/named-storm-deductibles/)
- [Business Personal Property (BPP)](https://premier-claims.com/terminology/business-personal-property-bpp/)
- [Exclusion](https://premier-claims.com/terminology/exclusion/)
- [Narrow Collapse Coverage](https://premier-claims.com/terminology/narrow-collapse-coverage/)
- [Broad Collapse Coverage](https://premier-claims.com/terminology/broad-collapse-coverage/)
- [Collapse Coverage](https://premier-claims.com/terminology/collapse-coverage/)
- [Split Deductible](https://premier-claims.com/terminology/split-deductible/)
- [Percentage-Based Deductible](https://premier-claims.com/terminology/percentage-based-deductible/)
- [Standard Deductible](https://premier-claims.com/terminology/standard-deductible/)
- [Flashing](https://premier-claims.com/terminology/flashing/)
- [Scope](https://premier-claims.com/terminology/scope/)
- [Damage Assessment](https://premier-claims.com/terminology/damage-assessment/)
- [Soffits](https://premier-claims.com/terminology/soffits/)
- [Fascia](https://premier-claims.com/terminology/fascia/)
- [Pipe Burst](https://premier-claims.com/terminology/pipe-burst/)
- [Open Perils Policy](https://premier-claims.com/terminology/open-perils-policy/)
- [Proof of Loss (POL)](https://premier-claims.com/terminology/proof-of-loss/)
- [Ceding Company](https://premier-claims.com/terminology/ceding-company/)
- [Ceded Premium](https://premier-claims.com/terminology/ceded-premium/)
- [Catastrophe Bonds](https://premier-claims.com/terminology/catastrophe-bonds/)
- [Blanket Coverage](https://premier-claims.com/terminology/blanket-coverage/)
- [Building Code Effectiveness Grading Schedule (BCEGS)](https://premier-claims.com/terminology/bcegs/)
- [Authorized Reinsurance](https://premier-claims.com/terminology/authorized-reinsurance/)
- [Assumed Reinsurance](https://premier-claims.com/terminology/assumed-reinsurance/)
- [Advisory Organization](https://premier-claims.com/terminology/advisory-organization/)
- [Advance Premiums](https://premier-claims.com/terminology/advance-premiums/)
- [Actuary](https://premier-claims.com/terminology/actuary/)
- [Actuarial Report](https://premier-claims.com/terminology/actuarial-report/)
- [Tort](https://premier-claims.com/terminology/tort/)
- [Secondary Market](https://premier-claims.com/terminology/secondary-market/)
- [Risk Class](https://premier-claims.com/terminology/risk-class/)
- [Noncancellable](https://premier-claims.com/terminology/noncancellable/)
- [Grace Period](https://premier-claims.com/terminology/grace-period/)
- [Expense Ratio](https://premier-claims.com/terminology/expense-ratio/)
- [Death Benefit](https://premier-claims.com/terminology/death-benefit/)
- [Current Liquidity](https://premier-claims.com/terminology/current-liquidity/)
- [Chartered Property and Casualty Underwriter](https://premier-claims.com/terminology/chartered-property-and-casualty-underwriter/)
- [Change in Policyholder Surplus](https://premier-claims.com/terminology/change-in-policyholder-surplus/)
- [Change in Net Premiums Written](https://premier-claims.com/terminology/change-in-net-premiums-written/)
- [Casualty Insurance](https://premier-claims.com/terminology/casualty-insurance/)
- [Balance Sheet](https://premier-claims.com/terminology/balance-sheet/)
- [Casualty](https://premier-claims.com/terminology/casualty/)
- [Captive Agent](https://premier-claims.com/terminology/captive-agent/)
- [Asset](https://premier-claims.com/terminology/asset/)
- [Capital](https://premier-claims.com/terminology/capital/)
- [Vacant](https://premier-claims.com/terminology/vacant/)
- [Replacement Cost](https://premier-claims.com/terminology/replacement-cost/)
- [Proximate Clause](https://premier-claims.com/terminology/proximate-clause/)
- [Offer](https://premier-claims.com/terminology/offer/)
- [Non-renewal](https://premier-claims.com/terminology/non-renewal/)
- [Midterm Cancellation](https://premier-claims.com/terminology/midterm-cancellation/)
- [Inflation Guard Coverage](https://premier-claims.com/terminology/inflation-guard-coverage/)
- [Indemnity](https://premier-claims.com/terminology/indemnity/)
- [Guaranteed Replacement Cost Coverage](https://premier-claims.com/terminology/guaranteed-replacement-cost-coverage/)
- [Fungi](https://premier-claims.com/terminology/fungi/)
- [Fraud](https://premier-claims.com/terminology/fraud/)
- [Exposure](https://premier-claims.com/terminology/exposure/)
- [Solvent](https://premier-claims.com/terminology/solvent/)
- [Collapse](https://premier-claims.com/terminology/collapse/)
- [Coinsurance](https://premier-claims.com/terminology/coinsurance/)
- [Cancellation](https://premier-claims.com/terminology/cancellation/)
- [Broker Agent](https://premier-claims.com/terminology/broker-agent/)
- [Broker](https://premier-claims.com/terminology/broker/)
- [Binder](https://premier-claims.com/terminology/binder/)
- [Builders Risk Insurance](https://premier-claims.com/terminology/builders-risk-insurance/)
- [Boiler & Machinery Insurance](https://premier-claims.com/terminology/boiler-machinery-insurance/)
- [Arson](https://premier-claims.com/terminology/arson/)
- [Settlement](https://premier-claims.com/terminology/claim-settlement/)
- [Mold](https://premier-claims.com/terminology/mold/)
- [Hurricane](https://premier-claims.com/terminology/hurricane/)
- [Earthquake](https://premier-claims.com/terminology/earthquake/)
- [Ice Dams](https://premier-claims.com/terminology/ice-dams/)
- [Business Interruption Coverage](https://premier-claims.com/terminology/business-interruption-coverage/)
- [Spoilage](https://premier-claims.com/terminology/spoilage/)
- [Sewer and Drain Backup](https://premier-claims.com/terminology/sewer-and-drain-backup/)
- [Fine Arts](https://premier-claims.com/terminology/fine-arts/)
- [Peak Season](https://premier-claims.com/terminology/peak-season/)
- [Equipment Breakdown](https://premier-claims.com/terminology/equipment-breakdown/)
- [Employee Dishonesty](https://premier-claims.com/terminology/employee-dishonesty/)
- [Interruption by Civil](https://premier-claims.com/terminology/interruption-by-civil/)
- [Green Endorsement](https://premier-claims.com/terminology/green-endorsement/)
- [Utility Services - Direct Damage](https://premier-claims.com/terminology/utility-services-direct-damage/)
- [Cyber Liability](https://premier-claims.com/terminology/cyber-liability/)
- [Brands and Labels](https://premier-claims.com/terminology/brands-and-labels/)
- [Business Income Extension](https://premier-claims.com/terminology/business-income-extension/)
- [Insects and Vermin Exclusion](https://premier-claims.com/terminology/insects-and-vermin-exclusion/)
- [Terrorism Exclusion](https://premier-claims.com/terminology/terrorism-exclusion/)
- [Electronic Data Exclusion](https://premier-claims.com/terminology/electronic-data-exclusion/)
- [Business Interruption Limits](https://premier-claims.com/terminology/business-interruption-limits/)
- [Pollution Exclusion](https://premier-claims.com/terminology/pollution-exclusion/)
- [Mechanical Breakdown](https://premier-claims.com/terminology/mechanical-breakdown/)
- [Deterioration](https://premier-claims.com/terminology/deterioration/)
- [Corrosion](https://premier-claims.com/terminology/corrosion/)
- [Wear and Tear](https://premier-claims.com/terminology/wear-and-tear/)
- [Intentional Damage](https://premier-claims.com/terminology/intentional-damage/)
- [Earth Movement Exclusion](https://premier-claims.com/terminology/earth-movement-exclusion/)
- [Flood Exclusion](https://premier-claims.com/terminology/flood-exclusion/)
- [War & Military Action Exclusion](https://premier-claims.com/terminology/war-military-action-exclusion/)
- [Nuclear Hazard Exclusion](https://premier-claims.com/terminology/nuclear-hazard-exclusion/)
- [Ordinance or Law Exclusion](https://premier-claims.com/terminology/ordinance-or-law-exclusion/)
- [Volcanic Eruption](https://premier-claims.com/terminology/volcanic-eruption/)
- [Freezing](https://premier-claims.com/terminology/freezing/)
- [Accidental Discharge](https://premier-claims.com/terminology/accidental-discharge/)
- [Weight of Ice, Snow, or Sleet](https://premier-claims.com/terminology/weight-of-snow/)
- [Falling Objects](https://premier-claims.com/terminology/falling-objects/)
- [Theft](https://premier-claims.com/terminology/theft/)
- [Vandalism](https://premier-claims.com/terminology/vandalism/)
- [Smoke](https://premier-claims.com/terminology/smoke/)
- [Riot or Civil Commotion](https://premier-claims.com/terminology/riot-or-civil-commotion/)
- [Explosion](https://premier-claims.com/terminology/explosion/)
- [Windstorm](https://premier-claims.com/terminology/windstorm/)
- [Lightning](https://premier-claims.com/terminology/lightning/)
- [Fire](https://premier-claims.com/terminology/fire/)
- [Depreciation](https://premier-claims.com/terminology/depreciation/)
- [Floater Policy](https://premier-claims.com/terminology/floater-policy/)
- [Scheduled Personal Property](https://premier-claims.com/terminology/scheduled-personal-property/)
- [Basic Form: HO-1](https://premier-claims.com/terminology/basic-form-ho-1/)
- [Older Home Form: HO-8](https://premier-claims.com/terminology/older-home-form-ho-8/)
- [Condo Insurance: HO-6](https://premier-claims.com/terminology/condo-insurance-ho-6/)
- [Renters Insurance: HO-4](https://premier-claims.com/terminology/renters-insurance-ho-4/)
- [Comprehensive Form: HO-5](https://premier-claims.com/terminology/comprehensive-form-ho-5/)
- [Special Form: HO-3](https://premier-claims.com/terminology/special-form-ho-3/)
- [Broad Form: HO-2](https://premier-claims.com/terminology/broad-form-ho-2/)
- [Bad Faith](https://premier-claims.com/terminology/bad-faith/)
- [Civil Remedy Notice](https://premier-claims.com/terminology/civil-remedy-notice/)
- [Subrogation](https://premier-claims.com/terminology/subrogation/)
- [Appraisal](https://premier-claims.com/terminology/appraisal/)
- [Loss Assessment](https://premier-claims.com/terminology/loss-assessment/)
- [Denied Claim](https://premier-claims.com/terminology/denied-claim/)
- [Adjuster](https://premier-claims.com/terminology/adjuster/)
- [Field Adjuster](https://premier-claims.com/terminology/field-adjuster/)
- [Ordinance or Law Coverage](https://premier-claims.com/terminology/ordinance-or-law-coverage/)
- [Loss of Use](https://premier-claims.com/terminology/loss-of-use/)
- [Named Perils Policy](https://premier-claims.com/terminology/named-perils-policy/)
- [All-Risk Policy](https://premier-claims.com/terminology/all-risk-policy/)
- [Actual Cash Value (ACV)](https://premier-claims.com/terminology/actual-cash-value/)
- [Other Structures](https://premier-claims.com/terminology/other-structures/)
- [Personal Property](https://premier-claims.com/terminology/personal-property/)
- [Dwelling](https://premier-claims.com/terminology/dwelling/)
- [Renewal](https://premier-claims.com/terminology/renewal/)
- [Limits](https://premier-claims.com/terminology/limits/)
- [Endorsement](https://premier-claims.com/terminology/endorsement/)
- [Coverage](https://premier-claims.com/terminology/coverage/)
- [Claim](https://premier-claims.com/terminology/claim/)
- [Deductible](https://premier-claims.com/terminology/deductible/)
- [Underwriter](https://premier-claims.com/terminology/underwriter/)
- [Premium](https://premier-claims.com/terminology/premium/)
- [Policyholder](https://premier-claims.com/terminology/policyholder/)
- [Indemnification](https://premier-claims.com/terminology/indemnification/)
- [Public Adjuster](https://premier-claims.com/terminology/public-adjuster/)
- [Position Letter](https://premier-claims.com/terminology/position-letter/)
- [Position](https://premier-claims.com/terminology/position/)
- [Policy Number](https://premier-claims.com/terminology/policy-number/)
- [Insurance Policy](https://premier-claims.com/terminology/insurance-policy/)
- [Peril](https://premier-claims.com/terminology/peril/)
- [Overhead and Profit (O&P)](https://premier-claims.com/terminology/overhead-and-profit/)
- [Non-recoverable Depreciation](https://premier-claims.com/terminology/non-recoverable-depreciation/)
- [Named Insured](https://premier-claims.com/terminology/named-insured/)
- [Letter of Representation](https://premier-claims.com/terminology/letter-of-representation/)
- [Litigation](https://premier-claims.com/terminology/litigation/)
- [Liability Coverage](https://premier-claims.com/terminology/liability-coverage/)
- [Insuring Clause](https://premier-claims.com/terminology/insuring-clause/)
- [Insuring Agreement Section](https://premier-claims.com/terminology/insuring-agreement/)
- [Insurer](https://premier-claims.com/terminology/insurer/)
- [Insurance Carrier](https://premier-claims.com/terminology/insurance-carrier/)
- [Insurance](https://premier-claims.com/terminology/insurance/)
- [Insurable Interest](https://premier-claims.com/terminology/insurable-interest/)
- [Inspection](https://premier-claims.com/terminology/inspection/)
- [Indirect Loss](https://premier-claims.com/terminology/indirect-loss/)
- [Independent Adjuster](https://premier-claims.com/terminology/independent-adjuster/)
- [Heating, Ventilation, and Air Conditioning (HVAC)](https://premier-claims.com/terminology/heating-ventilation-and-air-conditioning-hvac/)
- [Hazard](https://premier-claims.com/terminology/hazard/)
- [First Named Insured](https://premier-claims.com/terminology/first-named-insured/)
- [Fiduciary](https://premier-claims.com/terminology/fiduciary/)
- [Fair Market Value (FMV)](https://premier-claims.com/terminology/fair-market-value/)
- [Extra Expense Insurance (or Policy)](https://premier-claims.com/terminology/extra-expense/)
- [Estimate](https://premier-claims.com/terminology/estimate/)
- [Engineer Report](https://premier-claims.com/terminology/engineer-report/)
- [Direct Loss](https://premier-claims.com/terminology/direct-loss/)
- [Declarations Section](https://premier-claims.com/terminology/declarations-section/)
- [Debris Removal](https://premier-claims.com/terminology/debris-removal/)
- [Date of Loss](https://premier-claims.com/terminology/date-of-loss/)
- [Covered Loss](https://premier-claims.com/terminology/covered-loss/)
- [Cosmetic Damage](https://premier-claims.com/terminology/cosmetic-damage/)
- [Contractor Estimate](https://premier-claims.com/terminology/contractor-estimate/)
- [Contractor](https://premier-claims.com/terminology/contractor/)
- [Contingency](https://premier-claims.com/terminology/contingency/)
- [Conditions](https://premier-claims.com/terminology/conditions/)
- [Commercial Package Policy (CPP)](https://premier-claims.com/terminology/commercial-package-policy/)
- [Commercial Property](https://premier-claims.com/terminology/commercial-property/)
- [Certificate of Insurance](https://premier-claims.com/terminology/certificate-of-insurance/)
- [Carrier Inspection](https://premier-claims.com/terminology/carrier-inspection/)
- [Carrier Estimate](https://premier-claims.com/terminology/carrier-estimate/)
- [Carrier](https://premier-claims.com/terminology/carrier/)
- [Bought](https://premier-claims.com/terminology/bought/)
- [Assignment of Claim (AOC)](https://premier-claims.com/terminology/assignment-of-claim/)
- [Assignment of Benefit (AOB)](https://premier-claims.com/terminology/assignment-of-benefit/)
- [Adjuster's Report](https://premier-claims.com/terminology/adjusters-report/)
- [Additional Coverages](https://premier-claims.com/terminology/additional-coverages/)
- [Actual Funds Received (AFR)](https://premier-claims.com/terminology/actual-funds-received/)
- [Act of God](https://premier-claims.com/terminology/act-of-god/)