UNDER-PAID, DELAYED, OR DENIED CLAIM?
Many policyholders are being treated unfairly... Public Insurance Adjusters are a policyholders best weapon in the fight for getting every dollar they are owed.
If your insurance company has been delaying your payment by switching adjusters on you or by slowly under-paying you, or even ignoring your calls, please reach out to us immediately.
What is a Public Insurance Adjuster?
A Public Insurance Adjuster is licensed and governed by your state as an insurance professional with the goal of indemnifying you when it comes to property loss/damage. Public Insurance Adjusters have a fiduciary responsibility to you, the insured to help return you to your financial position prior to your loss.
What does appraisal mean and is it right for me?
There are many cases where the insurance company acts unfairly to the policyholder. They may deny your claim, under-pay your claim, or delay it for a long period of time. Why? They are in business to make money so the longer they can hold on to the premiums you pay, the more money they make. A Public Insurance Adjuster can get involved in the claim at any point but it is most beneficial to involve him/her at the beginning.
DON'T LET YOUR INSURANCE DENY YOU BECAUSE OF EXCLUSIONS.
Water damage from a hurricane can easily be mislabeled .
You cannot afford any missteps after a storm. Hire a professional that understands the industry and can help indemnify you.
Insurance companies do not always play fair when it comes to making you whole after a property loss has occurred.
Smart Claims Public Adjusting makes sure that you are treated fairly.
YOUR CLAIM IS GETTING DRAGGED OUT.
Our process gets you to a claim that is paid out quicker post hurricane. As you may know, the insurance companies don't have the capacity to service every customer during a catastrophe. By hiring us, we stay on top of them to ensure you get treated fairly and you're not left months without a resolution.
Step 1 - We evaluate your loss via a property inspection and have you sign a letter-of-representation so that we may represent your claim to your insurance company.
Step 2 - We will devel0p an extensive report of your property damage for your insurance company to review and request a new inspection.
Step 3 - Once you are satisfied with the settlement offer the insurance company will distribute payment.
BE AWWARE OF ROOFING AND RESTORATION CONTRACTORS
According to LA Dept of Insurance, contractors cannot:
Investigate, appraise, evaluate, give advice, advocate on behalf of or assist their customer in adjusting a claim.
Prepare the insurance claim for their customer. Negotiate the claim with the insurance company on their customer’s behalf.
Offer to review the insurance policy or advise their customer on the insurance policy’s coverage.
Advertise or provide written materials that they can negotiate or investigate a claim on their customer’s behalf. This includes advertising to be “claim specialists” or “claim analysts” or any other similar terms, or advertising or claiming that they can “deal with insurance companies” or in any way increase the claim settlement amount for the policyholder.