Advance Payment
Obtain an advance payment from your insurance carrier for your immediate needs such as hotel, food, etc… Policyholders Adjusting Services will secure temporary housing if needed on your behalf, until your residence is restored.
Secure Your Property
Secure your property, per the requirements of your insurance policy, i.e., boarding up, security fencing and/or providing your property with a security guard, if deemed necessary. In addition, Policyholders Adjusting Services will obtain emergency water and electrical services to your property if needed.
Assess Your Requirements
Assess your requirements and the insurance company’s obligations.
Terms And Conditions
Explain the terms and conditions of your insurance policy in plain English and how they apply to your loss/claim. This includes a clear definition of the technical clauses and endorsements of the policy.
Damaged Property
Inspect your damaged property and prepare a plan of action with you, the insured.
Discuss The Scope
Contact and meet with your insurance company’s adjuster to discuss the scope of your loss and policy coverage. On your behalf, submit all claim documentation to the insurance company’s representatives and take part in all discussions and meetings with the insurance company.
Replacement Cost
Proceed to compile all the details with respect to replacement cost values and actual cash values (if applicable) to your home or building.
Co-Insurance
If applicable, review the co-insurance requirements of your policy as it relates to the building portion of the claim and prepare all appraisals required complying with said co-insurance requirements.
Insurance Policy
Prepare on your behalf a complete inventory of all contents insured under your insurance policy.
The Contents
Apply proper values to each item of the contents as required under your policy. Theses values include replacement cost, actual cash value, and amount of loss to each item.
Business Analysis
Do a complete business interruption analysis, to properly project, the potential loss including duration of the period of indemnity. A complete analysis is undertaken to properly project the potential business interruption exposure (if applicable).
Claim Insurance
Review all claim data with you and obtain approval before providing such material to the insurance company or its representative.
Advised
Keep you advised of the progress of the claim adjustment, providing prompt service to you without jeopardizing your claim.
Settlement Offers
Disclose promptly and fully report any offers of settlement by carriers to you, our client.
Settlement Amounts
All settlement amounts are subject to your final approval and authorization.