Once any sort of fire or smoke related event effects property you own or manage, liability concepts become a reality to who has an interest in the resale value of those properties. As a property owner or the person responsible for managing damaged property, fire and smoke related damage scar the integrity of a real-estate resulting in a diminished value effect. A property owner will forever be forced to disclose the facts to future buyers, if fire and smoke insurance claims aren’t carefully evaluated the property is subject to a permanent value reduction.
Insurance companies only have a duty to pay for damages but in no way dictate the steps to restore your asset. It’s a misconception that independent adjusters who work for the insurance companies control the recovery, they can only make suggestions. Insurance companies are constantly looking to settle claims for as little as possible. Because of this, a sub culture manifested where insurance adjusters will try to seed different restoration services onto a property owner with damage. When this happens it’s at your worst time ever, you’re confused, disoriented and vulnerable. These service providers are known as insurance vendors. Insurance companies built alliances with different cleaning and repair companies and present them to you in a way that almost feels wrong to question or resist them. Their focus is to clean, patch and paint while using ozone treatments that rarely work. Many times these services will cut corners to save your insurance company money all the while, unknowingly, becoming liable for bad or ineffective work. This is a trap most people fall for.
With our expertise we can give the proper repair protocols memorializing them in an estimate. We use state of the art software pricing programs that are recognized nationally that are zip code sensitive. We also cross reference those prices with local hands on trades people. This gets the loss victims the best construction costs on the market, quick and easy. We put policy holders in the best position possible. We understand the mechanics of a building and understand how fire, water, ash, and smoke negatively affect a structure. We use in part licensed fire repair contractors who’s focus is solely in identifying all the money needed to complete work in a professional manner. Because we work for you only, we do not cut corners when estimating damage costs. Quite frankly, most insurers don’t like us because of this.
What sets us apart from other public adjusting firms are our vast network of insurance loss experts and licensed tradespeople who unite to make sure you’re paid correctly. We use forensic engineers, cause and origin professionals, wind damage experts, hail experts, roofing experts, electricians, plumbers, property casualty attorneys, public adjusters, property loss appraisers, industrial hygienists, thermal imaging, mold remediators, 24 hour emergency services to extract water, force drying with dehumidifiers, board up and tarp installation. Making sure all your damages are accounted for and paid properly is our only goal. After all, future buyers of your property will discover any bad workmanship and shoddy work lessoning the value of your building, eventually. Unknown damage will cost you more later as damages are exacerbated. It’s important to identify things like hidden damage, hidden rot, heat damage, code upgrades, ordinance and law requirements from local building departments, identify mold and water related damage, to include condensation of the fire departments water used to extinguish the fire. A lot of times the fire department causes more damage than the fire itself. Legitimate claims are denied, turned down, overlooked or rejected because loss victims didn’t know what they were owed. They use improper policy terms and failed to submit documents like a proof of loss.
Our process is risk free. Everyone can afford our service because we only get paid if and when a new money recoveries take place. We investigate old and new claims looking for unclaimed money fire and smoke loss victims qualify for. Florida loss victims can have their claims reopened up to five years past the date of loss. This is true if you have changed insurance companies, claim was denied, repairs were completed with checks cashed, you can still get a second opinion to see what you’re really owed.