Revolutionizing Property Claims With Matterport: Our Game-Changer at Property Claims Consultant

Posted on

April 9, 2024


Revolutionizing Property Claims With Matterport: Our Game-Changer at Property Claims Consultant

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 Consultant.

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: A Guide From Property Claims Consultant

Posted on

April 1, 2024


How Public Adjusters Work: A Guide From Property Claims Consultant

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

Posted on

March 27, 2024


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

Posted on

March 16, 2024


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%.

What We Do For You

Posted on

February 27, 2024


What We Do For You

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 for a free consultation!

The Rising Cost of Home Insurance Premiums in California: Understand the Trend and How a Public Adjuster Can Help

Posted on

January 20, 2024


The Rising Cost of Home Insurance Premiums in California: Understand the Trend and How a Public Adjuster Can Help

Homeownership in California comes with its fair share of joys and challenges. While the picturesque landscapes and vibrant communities make the Golden State an ideal place to call home, homeowners are grappling with a concerning trend – the rising cost of home insurance premiums. In this blog post, we’ll dive into the factors contributing to this surge and explore how a public adjuster can assist homeowners in navigating these challenges.

Understanding the Trend

Wildfires and Natural Disasters: California is no stranger to wildfiresearthquakes, and other natural disasters. In recent years, the frequency and severity of such events have increased, leading insurance companies to raise premiums to offset the higher risks and potential claims.

Increased Construction Costs: The cost of construction materials and labor has been on the rise. As a result, rebuilding or repairing a home after a covered event has become more expensive, prompting insurers to adjust premiums accordingly.

Climate Change Impact: The changing climate patterns contribute to more extreme weather events, putting additional pressure on insurance companies. The increased risk of damage to homes due to climate change is a significant factor in the escalating insurance premiums.

How a Public Adjuster Can Help

public adjuster can be a valuable ally for homeowners looking to navigate the complexities of insurance claims and mitigate the impact of rising premiums.

Here’s how:

Claims Expertise: Public adjusters are skilled professionals with extensive knowledge of insurance policies and claims processes. They can help homeowners understand their policies, ensuring they receive fair compensation for covered losses.

Accurate Valuation: Public adjusters assess the true value of damages to your home, ensuring that you are adequately compensated for repairs or reconstruction. This can be crucial in maximizing your insurance payout.

Negotiation Skills: Public adjusters act as advocates for homeowners during the claims process. Their negotiation skills can be instrumental in securing a fair settlement from insurance companies, helping homeowners get the compensation they deserve.

Claims Documentation: Public adjusters excel at thorough documentation, providing insurers with the necessary evidence to support your claim. This reduces the chances of disputes and delays in the claims process.


As the cost of home insurance premiums continues to rise in California, homeowners must be proactive in understanding the factors influencing this trend. Engaging the services of a public adjuster can make a significant difference in navigating the complexities of insurance claims, ensuring fair compensation, and ultimately easing the financial burden associated with rising premiums. Stay informed, protect your home, and consider enlisting the expertise of a public adjuster to safeguard your investment in the face of these challenges.