Public Adjuster for Fire Damage: Roles & Responsibilities

Experiencing fire damage to your property can be devastating and overwhelming and come completely out of nowhere. In tough situations like these, navigating complicated insurance claims and sketchy adjusters can make the process much harder. This is where a public adjuster comes into play. Public adjusters fight for you to receive a fair payout by insurance for the damages your home faces from a fire. While in the throws of trying to put your life back together, talk of money and claims can become confusing, and you can end up missing out on a lot of the compensation you deserve. Let’s take a look at some of the roles a public adjuster plays in the case of a home damaged by a fire. 

What is a Public Adjuster

A public adjuster is a licensed insurance claims handler who is hired independently by homeowners to help them file and negotiate insurance claims after some kind of property damage. Don’t confuse public adjusters with independent adjusters. Independent adjusters work for insurance companies to evaluate home damages and offer compensation based on what the insurance company thinks is the appropriate amount they should pay. Oftentimes, this number is much too low to be able to properly restore a home after a fire. Public adjusters fight against the insurance company to get higher insurance payouts.

Importance of Hiring a Public Adjuster for Fire Damage

Fire damage can absolutely ruin your home, and while you may be paying a large sum for home insurance, your insurance company may be hesitant to cough up the compensation money. Hiring a public adjuster is the only way to truly get a fair insurance settlement following a fire damage accident.

Benefits of Hiring a Public Adjuster

  • Expertise and Experience
  • Maximized Compensation
    • We fight to give you the largest insurance payout so that you can rebuild your home in its entirety
  • Time and Stress Management
    • With seasoned professionals handling the painstaking paperwork and negotiation of insurance settlements, you can worry about rebuilding your life.
  • Objective Evaluation of Property

Role of a PublicAdjuster in Fire Damage Claims

Public adjusters play a crucial role in helping policyholder homeowners navigate the claims process after fire damage. Their first role is to document and assess the damage to the home. This includes a thorough inspection of the fire-damaged property and detailed documentation of reports, photos, and inventories to support the filed claim. The adjusters will then calculate the value of the damaged items and structural losses to send to the insurance provider. 

Next, public adjusters will review your insurance policy to understand your coverage and identify all the places you are eligible for compensation. Then, your adjuster will prepare and file the claim with all the documentation required by insurance.

It is likely that after this the insurance company will offer a settlement amount that is much below what is needed to repair damages. The public adjuster will serve as the main point of contact with insurance companies so homeowners do not have to worry about maintaining communication. They will use their experience and documentation to negotiate a fair settlement. 

Choosing the Right Public Adjuster

Choosing the right public adjuster is crucial in getting your maximum insurance payout. Do some research on your own and look for consultant firms that prioritize experience and client trust. It is also important to look at consultant firms that specialize in the type of damage you have experienced. At Property Claims Consultants, we are licensed adjusters with years of experience in negotiating insurance claims and dozens of happy clients. To learn how much you can receive for your insurance settlement, contact us at 760-815-3650.

 

 

Public Adjuster Vs Contractor: What’s The Difference

Public Adjuster vs Contractor: What is the Difference?

Disaster strikes, and you’re left at a crossroads. With a mangled house, destroyed belongings and no idea how to move forward, the last thing you want is to lose even more time and money. Most home damages are covered by insurance, but it can be a huge process to begin your home repairs, much less get the money you need for repairs. A disaster, whether it be a fire, flood, or earthquake, can severely damage your home, and the cost to rebuild may be extreme! For this reason, most have home insurance that will cover the bulk of costs when disasters like this happen. 

In home damage situations, there are several moving parts: a public adjuster, a contractor, and your insurance agency. Unfortunately, many people will go on without a public adjuster, leaving them with much more to pay out of pocket and an unreliable repair timeline. Let’s examine what role each player has in the process to see how you can avoid the insurance mess. 

Role of Your Insurance Company

The first point of contact in a property claims case is your insurance company. As soon as theft, damage or disaster happens to your property or home, file a claim with your insurance company. An insurance adjuster will investigate your claim and set your settlement price. Keep in mind that the company-appointed insurance adjuster is not the same as a public adjuster. This settlement price is the monetary value associated with the damage. It is meant to cover the entirety of the replacement or reconstruction cost after theft or disaster. However, oftentimes, insurance, in the name of saving themselves money, will lowball you. Those who are unfamiliar with the process may accept the claim at face value only to find out that the actual repair and replacement costs are thousands of dollars more than the settlement provided.

Role of a Public Adjuster

Public adjusters are your right-hand men in this scenario. While insurance companies work to save themselves the most money, public adjusters fight for a fair settlement. Public adjusters are state-licensed professionals who are well-versed in insurance laws and practices. They will carefully asses the damage and review your insurance coverage. They also take into account damages that may not always be visible but will end up costing the homeowner money in the long run. Your public adjuster will then send your detailed and revised claim information to your insurance as a counter. Insurance companies recognize public adjusters as authoritative and reputable sources and generally accept the claim. Homeowners are then able to get thousands more dollars than the original claim to cover the entirety of the repair or replacement. 

Role of a Contractor

First and foremost, contractors CANNOT act as public adjusters. Sometimes, contractors will try to take advantage of homeowners who have just suffered loss and offer to help handle the insurance claim. Unless they are properly licensed, this is illegal. A contractor’s job is solely to repair your home or property. Many insurance companies provide you with a list of reputable contractors to choose from. You are also able to do your own research. Talk to your public adjuster to see if they have recommendations. Note that a public adjuster should not act as your contractor, as this is a conflict of interests.

Hiring a Public Insurance Adjuster

Property Claims Consultants have handled hundreds of insurance claims settlements and have the know-how to get you the settlement money you deserve. Contact us today for an easy and simple insurance claims process.

 

Our Guide to Home Insurance in California

Home damaged by tree falling

Our Guide to Home Insurance in California

While California is one of the most desirable places to live in the United States with beaches, mountains and deserts all within a few hours of each other. However, geographically, California is prone to havoc-wreaking natural disasters like floods and earthquakes. That along with the high cost of living can be a nightmare for a homeowner who faces any sort of disaster.

A disaster, whether it be a fire, flood, or earthquake, can severely damage your home, and the cost to rebuild may be extreme! For this reason, most have home insurance that will cover the bulk of costs when disasters like this happen.

However, this is not always the case. Insurance companies often don’t have your best interests in mind and will give you too low of an insurance settlement to properly restore your home. We’ll get into how to avoid this later.

Is Home Insurance Required in California?

Short answer – no, home insurance is not required in California. Do we recommend it – 100%. Even though it is not mandated, many mortgage providers will require a homebuyer to have home insurance. They do this so that in case your house is damaged, you can have it repaired and still pay your mortgage payment at the same time. On the other hand, if your home faces large damages and you aren’t under insurance coverage, you may not be able to pay your mortgage lender, leaving them at a loss. 

What Does Home Insurance Cover

Not all coverage is created equal. Look at your policy in depth to see the extent of your coverage. Many insurance policies will cover the following: 

  • Interior and exterior damage to the home
  • Loss of or damage to personal property
  • Injury that occurs while on the property
  • Weather damages

Keep in mind that while most insurance policies will cover disasters, they do not cover earthquakes. We suggest California homeowners also purchase earthquake insurance.

How Much Does Home Insurance Cost in California

Thankfully, even with a high cost of living, California does not sit at the top of the chart for home insurance costs. The average homeowner pays an annual premium of about $1,250, which is about $104 per month. This lower cost may be attributed to limited coverage, like no earthquake coverage, which can cost around $739 annually, so in actuality, it all pans out pretty evenly. External factors that may affect your premium include your credit score and the recency of your last claim.

What to Do When My Home Faces Damages

Once again, living in such a beautiful state does come with its downfalls. Disasters in California are often devastating for homeowners. The first step to take after your home faces damages is to call your insurance company to file a claim. After this, be sure to contact your mortgage services in case you can’t make your payments. Often, insurance providers will lowball your damages, leaving you to cover much of the cost out of pocket.

Hiring a Claims Consultant

Property Claims Consultants works with your insurance provider to bring you a higher settlement. Without a claims consultant, you could end up paying thousands of dollars on your own. Save your time and money by hiring a dedicated team to get you the settlement you deserve. Contact us today to see how you can get a high settlement.

 

What is Considered Property Damage

What is Considered Property Damage?

Property damage happens when your property is destroyed or damaged and loses some sort of value or loss of functionality. Property damage is usually some sort of harm that is inflicted upon someone’s property from negligence or purposeful destruction or an act of nature, like a hurricane, flood, or fire. Sometimes, in the case of a car accident, property damage and bodily injury can happen at the same time. However, these are handled differently through different insurance policies. Hiring a public adjuster can help you handle complex accidents that fall under multiple coverages.

Property is divided into two categories:

Real Property

Real property is anything that includes land or is permanently attached to it. For example, a house, tree, swimming pool, and guest house are all considered real property. 

Personal Property

Personal property refers to everything else that belongs to you that is movable, including your clothes, jewelry, and vehicles. Sometimes, insurance providers will call this ‘chattel.’

In What Ways Can Your Property Be Damaged?

The term property damage is not a one-size-fits-all umbrella term. Property damage can come from many different things, each of which has a different course of action for insurance compensation. Let’s look at some of the ways your property could be damaged.

    • Negligence: If your property is damaged by the negligent behavior of others, you can seek a claim against them to recover your lost property value. For example, if someone is recklessly driving and hits your car, you could pursue a claim for negligent property damage. 

    • Willful Action: If your property is damaged by the willful destruction of others, you are viable to fight for recompensation. 

    • Conversion: If your property is taken and no longer belongs to you, or someone takes control of your property, you can seek compensation. For example, if your roommate steals your diamond ring and sells it to a pawn shop, you can file to receive the entire value of the ring.

What Can You Do If Your Property Is Damaged?

There are several steps to take after your property has been damaged to get compensation for your losses or damages.

    • Make a claim with your insurance company.

    • Pursue a claim against the person or group that caused your damage.

If you have experienced property damages, contact us at 760-815-3650 to recover the worth of your property. 

What is Considered Property Damage?


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What is a Public Adjuster

Public adjusters support you in insurance claims, ensuring you get the money you are entitled to. Insurance adjusters represent and protect insurance companies, while a public adjuster represents the public or individuals.

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Revolutionizing Property Claims With Matterport

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April 9, 2024

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Revolutionizing Property Claims With Matterport

In the intricate world of insurance claims, especially after property damage, precision and clarity in documentation are paramount. At Property Claims Consultant, we constantly strive to leverage technology to streamline this process, ensuring our clients receive fair and accurate settlements. One of the most groundbreaking tools in our arsenal is Matterport, a cutting-edge solution that has transformed how we assess, document, and process property claims. Here’s an in-depth look at how Matterport has become an indispensable tool at Property Claims Consultants.

What is Matterport?

Matterport is an advanced 3D imaging technology that captures the dimensions and spatial layout of any space in stunning detail. It creates an accurate digital twin of the property, allowing for a virtual walkthrough experience that’s as close to reality as it gets. This technology enables us to document property conditions meticulously before and after damage, providing an undeniable record that aids in the claims process.

Precision in Documentation

The level of detail Matterport provides is unparalleled. Traditional photos or videos may miss critical elements or fail to capture the extent of damage accurately. Matterport’s 3D scans, on the other hand, provide a comprehensive view of the property, ensuring that every nook and cranny is documented. This precision is crucial when assessing the extent of damage and negotiating claims with insurance companies.

Efficiency and Accessibility

One of the biggest challenges in property claims is the need for multiple site visits, which can be time-consuming and sometimes difficult, especially in disaster-stricken areas. Matterport allows us to capture everything in one visit, creating a virtual space that can be accessed anytime, from anywhere. This not only speeds up the claims process but also reduces the inconvenience to property owners, making it easier for them to return to normalcy.

Enhanced Claim Presentation

Presenting claims to insurance companies is more effective when you have comprehensive evidence to support your case. Matterport scans can be shared directly with insurers, providing them with a virtual tour of the damage. This level of detail supports a stronger case for our clients, often resulting in more favorable settlements. It essentially eliminates any ambiguity about the extent of damage, making the claim harder to dispute.

Virtual Collaboration

Matterport’s technology facilitates virtual collaboration between property owners, public adjusters, and insurance companies. All parties can virtually walk through the property together, discuss damages, and even pinpoint specific areas of concern, all without needing to be physically present. This collaborative approach streamlines communication and helps in reaching agreements faster.

How Property Claim Consultant Utilizes Matterport

At Property Claims Consultant, we integrate Matterport into our workflow from the start. Once we’re engaged by a client, we conduct a thorough Matterport scan of the damaged property. This scan becomes the foundation of our assessment and claims negotiation process. Our team analyzes the scans to develop detailed repair estimates and documentation, which are then used throughout the claims negotiation process.

Our Commitment to Innovation and Client Service

Embracing Matterport technology is a testament to our commitment to using innovative solutions to serve our clients better. We understand the challenges property owners face following damage to their property. By utilizing Matterport, we aim to make the claims process as smooth and straightforward as possible, ensuring our clients receive the compensation they deserve.

In conclusion, Matterport has significantly enhanced the way we handle property claims at Property Claims Consultant. By providing precise documentation, improving efficiency, and facilitating better communication, Matterport has empowered us to advocate more effectively for our clients. It’s not just about embracing new technology; it’s about how we use these tools to secure the best outcomes for those we serve. If you’re navigating the aftermath of property damage, let us show you how Matterport and our expertise can work to your advantage.

How Public Adjusters Work

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April 1, 2024

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How Public Adjusters Work

When disaster strikes, be it from natural calamities or unforeseen accidents, the aftermath can be overwhelming. Not only do you have to deal with the emotional toll of property damage, but navigating the complex world of insurance claims can add an additional layer of stress. That’s where public adjusters come into play. At Property Claims Consultant, we specialize in helping property owners through this challenging time. Here’s a comprehensive look at how public adjusters work and why you might need one.

What Is a Public Adjuster?

A public adjuster is a professional claims handler who advocates for the policyholder in appraising and negotiating an insurance claim. Unlike adjusters who work for insurance companies, public adjusters work on behalf of the policyholder. They possess in-depth knowledge of insurance policies and the claims process and use this expertise to ensure that policyholders receive the maximum compensation to which they are entitled under their policy.

How Public Adjusters Work: Step by Step

1. Evaluation: The first step a public adjuster takes is to thoroughly evaluate your insurance policy to understand the coverage details and limitations. This is crucial for building a solid claim.

2. Documentation: Next, they document the damage extensively. This often involves taking photos, making lists of damaged items, and sometimes hiring experts to provide valuations or opinions on the extent of the damage.

3. Estimate: Public adjusters use their documentation to develop a detailed estimate of the costs of repairing or replacing the damaged property. This estimate is used as a basis for the insurance claim.

4. Negotiation: With all the necessary information and documentation in hand, the public adjuster then enters into negotiations with your insurance company. Their goal is to secure the best possible settlement for you.

5. Resolution: Once negotiations are completed, your public adjuster will review the final settlement offer with you. They ensure that it’s fair and that it adequately covers your losses before you accept it.

Why Choose Property Claims Consultant?

At Property Claims Consultant, our team of experienced public adjusters stands ready to assist you through every step of the claims process. Here’s why our clients choose us:

Expertise: Our adjusters have extensive knowledge of insurance policies and claims procedures.
Advocacy: We work solely on behalf of policyholders, ensuring your interests are always front and center.

Results: Our focus is on getting you the maximum compensation, and we have a track record of successful settlements to prove it.

Support: Navigating the claims process can be stressful. We offer not just our professional services but our empathy and support during difficult times.

In conclusion, dealing with property damage and insurance claims can be a daunting task, but you don’t have to do it alone. Public adjusters offer a valuable service by taking on the burden of the claims process and fighting for your interests. If you’re facing a property claim, consider reaching out to Property Claims Consultant. Our team is here to ensure that you receive the compensation you deserve, allowing you to focus on what truly matters: rebuilding and moving forward.

Uniform Appearance

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March 27, 2024

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Uniform Appearance

Uniform Appearance

Uniform appearance is always a topic of concern in our industry. Did the insurance company pay for some of your flooring but not all of it? Did they replace some of your cabinets but not all of them? The term uniform appearance is so widely used. Below you will see the language from the California Department of Insurance.

Section 2695.9. Additional Standards Applicable to First Party Residential and Commercial Property Insurance Policies

(a) When a residential or commercial property insurance policy provides for the adjustment and settlement of first party losses based on replacement cost, the following standards apply:

(1) When a loss requires repair or replacement of an item or part, any consequential physical damage incurred in making the repair or replacement not otherwise excluded by the policy shall be included in the loss. The insured shall not have to pay for depreciation nor any other cost except for the applicable deductible.

(2) When a loss requires replacement of items and the replaced items do not match in quality, color or size, the insurer shall replace all items in the damaged area so as to conform to a reasonably uniform appearance.

The real explanation behind this is, technically your insurance policy only pays for that ONE damaged tile, or that ONE bank of cabinets. The DOI (department of insurance) comes in and provides the uniform appearance language which is why you can make the argument to replace all the cabinets or flooring “as to conform to a reasonably uniform appearance.”.

Meet David Melzer by Canvas Rebel

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March 16, 2024
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Meet David Melzer by Canvas Rebel

Alright, David thanks for taking the time to share your stories and insights with us today. We’d love to have you retell us the story behind how you came up with the idea for your business, I think our audience would really enjoy hearing the backstory.

My entrepreneurial inception germinated from my professional background within the insurance industry. I recognized a distinct opportunity to offer specialized services aimed at advocating for and representing homeowners grappling with the aftermath of flood and fire damage to their properties. In many instances, insurance companies, driven by cost containment, tend to undervalue and underpay legitimate claims. It was this systemic issue that prompted me to establish a business dedicated to championing the rights of homeowners in their interactions with insurance giants.

The genesis of this endeavor can be traced back to my extensive decade-long tenure within prominent insurance organizations. During this period, I became increasingly disheartened by the approaches employed in client interactions. However, the watershed moment occurred in 2019 when I confronted a substantial flood event impacting a recently acquired rental property. The initial settlement offered by my insurance provider amounted to a mere $7,500.00, which was grossly insufficient to cover the extensive repairs required. After protracted negotiations and arduous advocacy, we ultimately reached a more equitable settlement of approximately $130,000.00.

It was during this challenging experience that a profound realization emerged – if I possessed the acumen and resolve to navigate this complex terrain successfully for myself, there was a compelling imperative to extend such expertise and representation to the broader public. Consequently, our enterprise was conceived as a conduit for accessible professional expertise and unwavering representation, ensuring homeowners receive the advocacy they rightly deserve.

As always, we appreciate you sharing your insights and we’ve got a few more questions for you, but before we get to all of that can you take a minute to introduce yourself and give our readers some of your back background and context?

I bring a wealth of experience from a diverse background in the insurance industry. Over the years, I’ve developed a highly effective negotiation process rooted in extensive knowledge of insurance laws, regulations, and industry standards. This process consistently delivers exceptional results for our clients, with an average return on claims that surpasses industry standards by an impressive 400%.

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What We Do For You

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February 27, 2024

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What We Do For You

Navigating Your Insurance Claims With Expertise

Navigating Your Insurance Claims With Expertise

Welcome to Property Claims Consultant’s array of services. Facing property damage? Our team at PCC, renowned public insurance adjusters, are your specialists in managing the complexities of insurance claims in California, Phoenix, Nevada, and Washington. 

1. Comprehensive Property Damage Assessment:

Post-disasters like wildfires, severe storms, or floods, accurate damage assessment is key. Our expertise lies in detailed evaluations of property damage, ensuring thorough coverage of all damage aspects:

  • Structural Damage Evaluation: We conduct in-depth inspections of your property’s structural integrity, from foundations to roofs, crucial for property owners post-disaster.
  • Personal Property and Contents Analysis: Assessing damage to personal items is vital. We catalog everything from electronics to personal belongings, crucial for an accurate insurance claim.
  • Environmental Hazard Testing: Post fires or chemical incidents, we perform essential environmental tests for substances like asbestos or mold, prioritizing your health and property safety.
  • Loss of Use Estimation: For uninhabitable properties, we calculate your entitled additional living expenses covered by your insurance.
  • Building Code Compliance Checks: Adhering to current building codes is crucial. We inspect and advise on necessary upgrades or repairs post-damage.

2. Clarifying Your Insurance Policy

Insurance documents can be complex. Our skilled team demystifies your policy, clarifying your coverage and rights.

3. Efficient Insurance Claim Paperwork Management

Handling insurance paperwork in California can be overwhelming. We take charge of the documentation, from preparation to accuracy, streamlining your claim process.

4. Assertive Negotiation on Your Behalf with Insurers

  • Advocacy for Fair Compensation: As your public adjusters, we fiercely negotiate with insurance companies, ensuring you receive your rightful compensation.
  • Experienced Negotiation Tactics: With deep industry insight, our team expertly counters insurance company tactics.
  • Maximizing Your Settlement: We aim to secure settlements that reflect the true value of your claim, considering every loss aspect.
  • Transparent Communication: Keeping you informed at every step, we value transparency in the insurance negotiation process.
  • Contingency-Based Service: Aligning with your interests, we only receive payment upon successful settlement of your claim.

5. Providing Peace of Mind During Your Insurance Claim

  • Managing your claim relieves stress, especially in challenging times. We ensure your peace of mind, knowing your insurance claim is handled by professionals.
  • When to Seek Our Services
  • Unsure about your insurance coverage specifics.
  • Facing extensive, complex property damage.
  • Preferring not to manage the time-intensive claim process.
  • Believing your insurance offer is insufficient.

Our Dedication to You

As your public insurance adjusters, our commitment is to guide you with expertise and professionalism through the insurance claim process. We focus on achieving the best outcome for your claim, allowing you to concentrate on recovery and rebuilding.

Reach out for Assistance

Facing a property damage claim and need expert help? Contact us at Property Claims Consultant. We’re your dedicated partners, ready to navigate these challenging times with our specialized knowledge and services.

Contact us today at 760-815-3650 for a free consultation!