If fire, water, smoke, heat, ash, mold, or storm has damaged personal property like desks, couches, textiles, linens, draperies, beds, vanities, tables, lamps, throw rugs, or any other business or personal property, and was located in an insurable event your insurance policy will generally allow coverage for packing, moving, storage, cleaning, and or replacing of movable property.
In any type of loss claimants are required to establish what was damaged, what is restorable, and what the cost would be for both. There are few businesses equipped to process personal property claims. We are the premier service in the industry with over twenty-five years in business. We have teams specially designed to sift through the worst conditions such as hurricanes, tornadoes, vandalism, fire, heat, ash, water mold even theft claims. Our team will document property at any stage we encounter our clients. Many times we can recreate inventory lists after the fact. Modifying previously produced inventory lists and forms that either you or the adjuster representing your insurer produced. We do this through submitting supplements that clarify costs, depreciations, quantities, more detailed entries, or adjust old inventory lists to make them accurate and robust. We use a series of protocols to establish ownership, condition, and replacement values. We become the missing link to this tedious task. We can document personal property on site by taking pictures, and by getting key information like serial numbers, model numbers, authors of publications, and by identifying name brands on furniture and clothing. We use software programs designed to allow our team to shop major department stores specifically for creating insurance loss forms in preparation of submitting a movable property claim. Our system can capture items such as small batteries, paper clips, cotton swabs, white out, pencils all the way up to computers and industrial machinery for large commercial losses.
With our help we can explain deductibles and depreciations that effect a content’s claim. Our experts negotiate how much an insurer can depreciate on any one item. We get the insured paid the most for things like delivery, sales tax, installation, and warranties. Our experts look for items that become obsolete with their replacement models making sure loss victims are made whole.
We make the contents claim less personal and more about business. We separate emotion from facts making claims faster and more efficient than any property owner faced with making a content, equipment, and moveable property claim could. We are knowledgeable in the property claims of all sorts. We make the process easier, and with our help we limit common mistakes. Our involvement always auto corrects independent and desk adjusters attitudes and temperaments because they understand we are equally educated in insurance policies and liability concepts. We have the credentials to determine what can be cleaned and restored versus unrepairable. We have the ability and skills to appraise values on medical equipment, print presses, auto related tools, and anything in between.
Our process guarantees a successful claim submission, and ultimate monitory recovery based on the limitations and conditions of an existing insurance policy. We always recommend insurance consumers to take advantage of our pre-loss contracts to make sure there is no gaps in coverage, or that proper insurance is in place for any specially item used at your home or in your place of business before a loss ever happens. Loss victims needing to make this kind of claim never recover as much as a seasoned public adjuster. Insurance companies hires multiple insurance adjuster, and then even have their own contents experts to limit what they have to pay you. We make sure it’s clear that the claims being made are yours and not theirs. This always seems to be the problem when we first encounter a property owner who is making a contents claim. Be clear, you make the claim and it’s based on your best efforts to identify what’s damaged and what’s the cost to replace, repair, pack, move, store, and even clean. Contents claims are the most problematic and undervalued of all the coverages. Insurance companies have made claims like shooting at a moving target. We change all of that and get you the insurance money you are owed.