We Negotiate Settlements That Benefit The Insured
Most policy holders do not comprehend the complexity of a property damage claim until they have suffered a loss and filed a claim with their insurance company.
The insurance companies utilize staff adjusters, independent adjusters, engineers and other experts who are trained to protect their interests. The insurance companies are for profit organizations that have one goal of minimizing their losses and maximizing their profits. Every single claim that is filed with the insurance company is considered a potential loss for the insurance company; and the insurance company will do everything in its power to minimize this loss. Even if it means that they will pay very minimum or even deny the claim. That is why it is important to have a public adjuster on your side.
Public adjusters have the knowledge and expertise in handling complex property damage claims which benefit the policy holder (you). The public adjusters are using the same industry accepted estimating systems that are utilized by the insurance companies and contractors.
The trained specialists at TIR Public Adjusters LLC can assist the policy holders in properly documenting and presenting their property damage claim to the insurance company. The public adjuster is working on policy holder’s side at no upfront cost. The public insurance adjusters work for a percentage/fee that is based on the amount which they were able to recover for policyholder from the insurance company. Public Adjusters represent the insured/policyholder only.
Who is a Public Insurance Adjuster?
“Public Insurance Adjuster is a person who, for compensation, acts on behalf of or aids in any manner, an insured in negotiating for or effecting the settlement of a claim or claims for loss or damage under any policy of insurance covering real or personal property or any person who advertises, solicits business, or holds himself or herself out to the public as an adjuster of those claims and any person who, for compensation, investigates, for those losses on behalf of any public insurance adjuster.” – California Department of Insurance definition
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If you suffered a residential, commercial, content or business property damage, please call or e-mail us for a FREE CONSULTATION, even if you have already filed a claim with your insurance company and received a settlement or a denial.
Burglary is defined as “entry into a building illegally with intent to commit a crime, especially theft”. There are some preventive steps that may be taken to reduce the chance of theft to the property. Some of these steps include but not limited to installing an alarm system, or making sure that there is sufficient…
Theft is defined as “the action or crime of stealing”. There are some preventive steps that may be taken to reduce the chance of theft to the property.
Wildfires are common in Southern California. California maintains a fire hazard severity zone map that is kept up to date by the state to provide general information regarding the possible areas for wildfires.
Most business owner policies (BOP Policies) will have coverage for business property damage. Business property damage coverage will protect the business against losses when property is damaged or destroyed.
Business interruption insurance may cover loss of business income in case of a covered loss. Business interruption coverage may become essential when the business is out of service.
Vehicle impact damage to building may cause serious structural and cosmetic damage. The extent of damage caused by vehicle impact may need to be determined by a licensed contractor or a structural engineer.
Vandalism is defined as an “action involving deliberate destruction of or damage to public or private property”. Burglary is defined as “entry into a building illegally with intent to commit a crime, especially theft”. Theft is defined as “the action or crime of stealing”.
Most insurance policies (i.e. condominium owners; renters; single family residence) contain certain limits of coverage for personal property. Generally, personal property is referred to furniture, electronics, clothing, jewelry or any other items that are not permanently attached to the structure.
Rainwater damage may cause serious structural or cosmetic issues to buildings and other structures. Most rainwater damage is caused due to leaking roofs, leaking decks or old window & door seals.
Majority of insurance policies will provide coverage for roof damage if it occurred due to vandalism, theft, fire, wind, hail or other unforeseen events or acts of God. Most structures have composition shingle roofs, flat rolled roofs, or tile roofs. Some of the older structures may have wood shingle roofs.
The explosion damage can occur unexpectedly. Due to a nature of this loss, the recovery efforts sometimes take a very long time (possibly years).
Hurricane is mainly a combination of strong wind and heavy rain. Hurricane my cause both wind and rain damage to property.
Mold may contribute to serious health issues and property damage. Mold damage can destroy building materials, furniture, finishes and personal property.
Most wind damage is caused by Hurricanes, Tornadoes or Cyclones. Some wind damage may also occur due to isolated gusty winds. Wind damage is mainly affecting the roofs, trees or landscaping.
Earthquakes are mainly caused by movement of huge blocks of the earth’s crust. California is located in a seismically active zone.
More than 1,000 tornados occur in USA every year. In insurance policies, tornados are generally qualified as a wind related events. If a property suffered tornado damage, the property owner will need to follow these steps:
Due to changes in weather patterns in the recent decades, flood damage has increased in US. Most insurance companies offer a separate policy for “Flood Insurance”.
Water damage to the property may occur due to a pressurized plumbing pipe leak, plumbing drain pipe leak, refrigerator icemaker leak, dishwasher leak, water heater leak, washing machine leak or overflow and more.
Fire damage may occur from faulty electrical wiring, electrical appliance malfunction, fireplaces, electronics, electrical equipment, candles and may other reasons.