If you’re reading this you probably had some sort of loss to your home or property. We’re sorry for your loss and empathize with you. If you would like to discuss your loss, we offer a two hour free consult. No high pressure sales tactics at our firm.
At Western Washington Public Adjuster I represent the homeowners and business owners when they have property damage insurance claims such as a fire claim, pipe leak or break, flood, mold or a natural disaster. You need representation from Western Washington Public Adjuster to ensure you will receive the best possible claim settlement.
Public Adjusters are experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims. Employed exclusively by a policyholder who has sustained an insured loss, these professionals manage every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured’s coverage, determines current replacement costs and exclusively serves the client, not the insurance company.
A Public Adjuster works for the property owner, not the insurance company. The highly stressful period following a loss is a difficult time for individuals and businesses. A Public Adjuster can take those major headaches away and let you get back to your home or business. A typical fire or flood policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs. Public Adjusters know the insurance business and are familiar with all procedures so they can work quickly to expedite payments.
Contact us even before reporting their claim to the insurance company. You will avoid taking a chance of having an underpaid insurance claim, delayed claim or worse a denied insurance claim.
The insurance company has their own insurance claim adjusters that work for them and represents their interests, this should be seen as an inherent conflict of interest.
Western Washington Public Adjuster is prepared to be your exclusive representative. With our vast experience and expert knowledge, our company is able to obtain a much greater settlements for our clients. We assist with every phase of preparing and presenting your insurance claim, as well as accomplishing an adjustment for you which is equitable and includes everything to which you are entitled under your insurance policy.
You just suffered serious damage to your home and you are wondering what to do next. You call your insurance company and wait for their insurance adjuster to come out hoping they will have your best interests at heart. After all, they accepted your premium for years in a very nice way. Now you expect that they will “do the right thing.”
Knowing everything you possibly can about the “fine print” of your homeowners insurance policy before you have any substantial dialogue with your insurer is an absolute necessity. In order to get a full settlement, you must first know what you are covered for and how to claim it. What you say to your insurance company’s adjuster and how you say it can make a dramatic difference in how much you get paid. The more you know, the better the results.
- How much time over the next several months will you need to put aside to handle your claim properly? How will all those hours affect your family? Your job?
- What is the emotional investment that you will need to commit to the process?
- Are you entitled to an advance from the insurance company? What is reasonable?
- What is your broker or agent’s role?
- Will he/she be adjusting the claim?
- How many claims has he/she handled?
- Will his/her role be active or passive?
- When faced with supporting your position or the insurance company’s, where will he/she stand?
- Are you familiar with the forms/practices below and what their request/issuance is telescoping?
- Request for a Proof of Loss.
- Reservation of Rights letter.
- Request for an Examination Under Oath.
- What does it mean when the insurance company recommends a preferred vendor? Who is this vendor working for, really?
- Contractors may tell you they can do what public adjusters can do. Can they really? What is their background and education in insurance? Are the bonded? In many states, like California, it’s even against the law!
- What is the insurance company’s motivation in preparing a reconstruction estimate for you?
- The policy says it is your responsibility. Why are they willing to do it? How do they benefit?
- What is the difference between functional replacement and true replacement? Should you care? Why?
- How is actual cash value determined?
- Can you do the repairs yourself?
- Are you entitled to the profit that a contractor would typically charge?
- Are you entitled to the overhead that a contractor would typically charge?
- What are the benefits and the pitfalls of replacing your home versus cashing out?
- Do you have to replace on the same site? Can you buy or build elsewhere?
- Can you collect code coverage allowances if you build elsewhere?
- How quickly can you get started rebuilding?
- Do you need asbestos and lead testing before handling personal property? Will your policy pay for the testing? The cleanup?
- What is the insurance company’s motivation in preparing an inventory for you?
- The policy says it’s your responsibility. Why are they willing to do it? How do they benefit?
- Typical residential inventories are 3,000 to 10,000 items. They need to have ages, source documents to support replacement prices, and condition coding to secure settlement. What is the time commitment necessary to prepare your inventory? How will affect your family’s lives?
- Should you let the cleaning company take all your stuff and clean it?
- Can you cash out on some of it?
- Can you get paid to clean it yourself?
- Can you ask them to just hold it and estimate the cost to clean and then decide?
- Do you know your policy limits? If you suffer extensive damages, be aware that cleaning companies usually get paid off the top and are protected based on the agreement that you sign (it’s in the fine print). You may end up paying them large fees to clean items you might otherwise discard. If you are marginally or under insured, it may come out of your pocket and reduce the amount of money you have to replace your necessary personal property.
- What happens to the items that don’t get cleaned or the cleaning company does not clean? Who pays for the cleaning? This is especially important if there is insufficient insurance.
- Who decides what to try to clean? Do you have a say in the matter?
- All items will be depreciated prior to initial payment. How is depreciation determined? Where does the insurance company get its schedule? Can you challenge their schedule? How?
- Losing your diamond ring versus losing a stone from your diamond ring: Are they both covered?
- A crime? Or personal property?
- What are the pros and cons of a lease to own strategy?
- Distinguishing between business personal property and personal property. One is usually not covered!
- Can you get paid for a personal shopper? An interior decorator?
Additional Living Expenses (ALE)
- What is a comparable standard of living?
- What if comparable is not available?
- What if you are willing to live “smaller?” Do you get anything?
- What is a reasonable period of time for the insurance company to pay for you to rent a home?
- Should you get paid for your gas if you want to go shopping in your old neighborhood? Go to your old dry cleaner?
- What is considered a permanent purchase/replacement of a personal property item and what is considered temporary and therefore covered under ALE?
- Can you get paid to live with other family members in their home?
- Can you get paid to live in a vacation home or rental home you own?
Would you go to court without a lawyer? Or run a business without an accountant? Recovering from a disaster can be difficult and overwhelming. Add to this a complex insurance policy with vague language, coverage questions, and the need to prove every detail of your loss to the insurance company. It soon becomes clear that you could use experts at your side.
It is your responsibility to prove your claim in order to get compensated for your damages. When a disaster occurs, the insurance company has adjusters, building engineers, claims managers and supervisors, all representing their interests. Who do you have representing yours?
Take time to answer every question you have;
- Review your homeowner’s policy thoroughly;
- Make sure that you are in compliance with your policy requirements;
- Maximize claim settlement with our comprehensive claim management strategy.
- conduct a thorough evaluation of your loss with a loss specialist, carefully researching, detailing and substantiatingevery aspect of your claim;
- Present documentation to your insurer with a detailed itemized claim package which will support your claim.
- Work as your advocateat all inspections and meetings with your insurance company;
- Secure the best possible settlementin the shortest possible time frame; and communicate with you every step of the way.