Q: Can you get more money on a claim using a Public Adjuster?
A: When clients work with a Public Adjuster, they can receive 747% more than they would have not using one. The money the property owner receives is still much greater when you work with us at CLAIM RESCUE, even after the public adjuster is compensated.
Q: Will your Insurance Company give you the settlement you deserve?
A: No…99% of most insurance companies deliberately give a low estimate on your claim. CLAIM RESCUE knows the intricacies of the insurance industry, which enables them to know what to do and how to maneuver insurance companies that are trying to pay out less on your claim. Our goal is to “Get You the Settlement You Deserve”.
Q: My Claim Was Denied…Should I get a A SECOND OPINION?
A: Yes! Many of our clients were told their claim was denied. CLAIM RESCUE reopens the loss claim, negotiates with your insurance company, and insist they pay for the damages you have incurred.
Q: How Do You Know If The Roof Is Damaged?
A: The morning after a storm has passed through your area. Call Claim Rescue 330-858-0141. You may have wind or even heard hail beating down on the roof or similar conditions that are a cause for concern. We will then discuss with you the extent to which your roof is damaged. If the damage is significant, filing an insurance claim will be the next step.
Q: Do I have to pay out of pocket when I hire a Public Adjuster?
A: Hiring a Public Adjuster like CLAIM RESCUE can only work in the property owner’s favor. You will never have to pay us a dollar out of your pocket. We will inspect your home, negotiate the claim, and deal with insurance, all free of cost. We only get paid, if we win the claim and reach a settlement with the insurance company.
Q: Should I Hire a Public Adjuster or an Attorney?
A: When dealing with a property damage claim. Hiring a public adjuster, instead of an attorney, will save you a lot time and money. A Public Adjuster can represent you and reopen a claim with the information needed to maximize your payout. 90% of our claims are negotiated and settled with the insurance company, before we ever have to get an attorney involved.
Q: Will Claim Rescue inspect my property?
A: Claim Rescue inspects all property damage, to assess what should be included in your estimate and what’s owed to you. Most policyholders leave tens of thousands of dollars on the table. We know the proper repair methods and replacement costs for construction items. They are also unaware of specific coverages other than the dwelling coverage that they should be compensated for.
Q: What are some the most common sources of water damage?
A: 1. Flooding or Storm Damage 2. Leaking Appliances, water heaters, faulty plumbing 3. Overflowing toilets, bathtubs, and sinks 4. Tornadoes & Thunderstorms 5. Hurricanes and tropical storms 6. Sewage Backups
Q: WILL MY INSURANCE COMPANY CANCEL MY CONTRACT IF I HIRE A PUBLIC ADJUSTER?
A: No. It would be a serious violation for any insurance company to discriminate against you in any way for exercising a right given to you by the State of Florida.
Q: MY CLAIM HAS BEEN CLOSED BY THE INSURANCE COMPANY, IS IT TOO LATE TO HIRE A PUBLIC ADJUSTER?
A: Florida law allows 1 year to file a supplemental claim from the date of loss. If you do not believe you were paid the right amount and would like us to review your claim, please call CLAIM RESCUE 239-986-1970 we will carefully audit and analyze your claim and give you our professional opinion.
Q: WHO USES THE SERVICES OF A PUBLIC ADJUSTER?
A: Public Adjusters are hired by all types of businesses and professionals, including attorneys, accountants, business owners, homeowners and even insurance adjusters and agents for their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without CLAIM RESCUES help.
Q: Is the Additional Living Expense (ALE) part of my policy coverage?
A: Temporary rent, and other expenses have to be covered, because you’ve lost the use of your home. Ask your insurance company (in writing) to give you a list of common items that are covered and reimbursable under Additional Living Expense (ALE) benefits. Most policies contain either a dollar amount or a time limit (or both) that cap your total ALE benefits.
Q: What do I do if I have roof damage during a storm?
A: If you have suffered a roof failure in a hurricane, your first duty is to try and mitigate damages. You must try to protect and prevent further damages which can be a challenge. Decisions as to whether to put on a temporary roof or make a replacement will need to be made and in some emergency cases without the input or authority of the insurance adjuster sent out by your insurance company. Documenting and making the right decisions can have an impact on your claim.
Q: What is the Umpires role?
A: Umpire is a competent, disinterested, impartial individual who is charged with making a decision regarding the value of property or the amount of a property loss. The umpire is an appointed professional in an insurance claim dispute who makes a binding decision after the two parties in an appraisal process fail to agree on a loss. In short, an umpire is a trained dispute resolution expert who should also have some experience in understanding insurance adjusting and all its components.
Q: When Should You Hire a Public Adjuster?
A: If You’re filing a large claim for high-value, significant damage to your home, like a hurricane, tropical storm, wind, fire etc.
A: If You aren’t confident with the assessment performed by your insurance company’s adjuster.
A: If You feel your insurer’s adjuster underestimated your claim or that your payout isn’t fair.
*You Have Up to 1 Year to Reopen an Old Claim? If You Feel Like You Did Not Get the Settlement You Deserve*
Q: What happens when you have a Big Homeowners Insurance Claim?
A: A large claim can get confusing really fast. Making matters worse, most families know little about insurance, let alone the claims process. Unfortunately, preparing and presenting a successful claim is a science. It requires a meticulous approach to ensure a fair settlement. CLAIM RESCUE, can explain the process, during a stressful time. CLAIM RESCUE, will work on your behalf handling the meetings, emails, phone calls and paper documents that flow for a large claim to your insurance company on your behalf. CLAIM RESCUE, will put you on an even playing field with your insurance company. CLAIM RESCUE, will get your insurance company to give you the settlement you deserve. Our Promise is Simple! NO RECOVERY…NO FEE
Q: Can New Construction Suffer Unnoticed Damage?
A: Yes…There are many different types of new construction damage like the following: Water damage in new construction is the result of construction mistakes. Plaster in a drain line, poor window sealing, misaligned doors and windows, cracked bricks and foundation structures could all lead to home damage situations. Just like in a home damage claim, many insurance companies will try to weasel their way of paying the appropriate settlement. CLAIM RESCUE has experience and expertise to find these construction errors.
Q: Is Mold Covered with my Homeowner’s Policy?
A: Check your policy to see how much mold damage coverage you have. The basic level of mold coverage for a homeowners insurance policy is normally $10,000. It is probably a good idea to at least carry $15,000 or more in Mold Damage coverage. Mold Damage requires a restoration company to come in to complete the mold removal process. Normally, mold removal requires opening walls/ceilings and finding mold throughout the house by using a handheld device that locates “wetness.” Many times, mold testing is required to identify the levels of mold. Florida is the still the #1 state for highest occurrence of mold in residential and commercial properties. Call CLAIM RESCUE 330-858-0141 to get a FREE Evaluation.
Q: Is hail damage covered by home insurance?
A: Homeowners insurance covers hail damage to your home’s structure as well as to other structures on your property. Common areas for hail damage are the roof, siding, windows, and gutters. All of these are covered by your insurance policy’s dwelling coverage.
Q: How can I get a fair claim settlement?
A: Insurance companies often read their policies with a bias that is too much in their own favor. Don’t accept an insurance company’s calculation of what they owe on your claim. CLAIM RESCUE a public adjuster can make a huge difference in getting you back home without further delays and aggravation. CLAIM RESCUE will get you the settlement you deserve.
Q: My home is very badly damaged but my insurance company is refusing to pay anything up front for my contractor’s overhead and profit. I don’t have the cash to advance this item, and he won’t get started without it. What can I do?
A: Overhead and profit, (“O & P”) is a known expense that all contractors charge, usually at a rate of 10%. An insurer that holds back O & P until repairs are completed puts the property owner in an impossible financial position. CLAIM RESCUE will work with your insurance company, if you have a signed contract to rebuild, it is wrong for your insurance company to hold back O & P until your home is completely repaired.
Q: Your home is only partially damaged, but it will look weird if half the vinyl siding is old and half is new. The insurance company is telling me they don’t owe for matching. Is that true?
A: The insurer owes to restore your property to its pre-loss condition subject to the dollar limits of your coverage. The appearance of your home after repairs have been made should be “uniform and consistent.” Insurance should put you back where you were before the loss. CLAIM RESCUE will work for you to get your property back to pre-loss condition.