Homeowners, condominium complexes and businesses that experience property damage or loss, can find themselves in a very stressful situation as a major property insurance loss can have a paralyzing effect on the normal operation of your business or personal life at home. At the time of your loss, even the most efficient business or family can be overwhelmed with the requirements and burdens placed on them. Corporate executives, commercial property owners, and homeowners do not typically possess the knowledge or experience to prepare for a complex claim and in most cases they do not have the time. Dealing with the requirements of filing a property loss claim with your insurance carrier only adds to uncertainty and critical decisions that must be made. Insurance carriers and their claims representative may request detailed information that seems unreasonable but may be necessary. Understanding exactly what your policy covers and what your duties are can become confusing based on the information an insurance carrier’s adjuster might give you. Detailed research and documentation of the loss are required which includes bringing into action all the various investigative and valuation expertise to develop the pre-loss condition of the property. Today this process, like most things, has become increasingly complex. When you suffer a property loss, the insurance company will send either a staff adjuster who is employed by the carrier or an independent claims adjuster who is contracted by the insurance carrier. Depending on the situation, they may also operate under certain incentives based on how many claims they can handle or how quickly the claim settles. Regardless, you should understand that both the staff and independent claims adjuster represent and serve the best interest of the insurance company. A public adjuster works for you, the policyholder, to make sure your best interests are represented and the insurance company fairly settles your claim and honors the provisions of the insurance policy. Some of the biggest benefits clients tell us they experience when hiring a public adjuster include: · Time Savings: Many homeowners and business people have more important priorities than to deal with the incessant demands for information and documents from the insurance company. A public adjuster will organize and manage your claim and help minimize the time you need to spend dealing with all the claim issues. · Claims Expertise: Insurance policies can be complex documents and can easily be misinterpreted. Having someone on your side that is familiar with both the language of the insurance policy and how those policies are enforced can mean a great deal to how your claim gets settled. It also helps to have an expert guiding you regarding the proper procedures for repairs and documenting expenses in case a claims denial occurs. Tutwiler & Associates has access to a group of veteran experts and engineers that can be called on if they are needed to substantiate any part of your claim. · Faster Resolution of Your Claim: Understanding how to organize your claim, process the paperwork that is needed, as well as the proper language to use when communicating with your insurance carrier can help avoid repeated requests for additional information, expedite the claims process and get your repairs underway faster. · Protect Your Rights as a Policyholder: Having an expert public adjuster who understands the insurance company’s expectations, when documenting and valuing your claim gives you an advantage if your claim is denied. It also gives you a third party resource who can act as a witness in case more aggressive action is required to obtain a just recovery. · Ensure Fair Value for Your Claim: A recent OPAGGA (Office of Program and Policy Analysis & Government Accountability) study in the State of Florida showed that public adjusters negotiate up to a 747% larger insurance company settlement for commercial business and homeowner insurance property loss claims than the insurance company was planning to pay out. This is especially true during a catastrophic situation when insurance carriers try to process large amounts of claims. When you add it all up, hiring a public adjuster just makes good practical and financial sense. Add to this Excalibur Public Adjusters strong reputation plus our longevity in the industry and strong client service commitment and you will be assured of a positive claims outcome.