|
|
|
|
|
Appraisal 
There
Are Three Sides to Appraising Property Damage:
The insurance company side that yields the lowest payment possible.
Your side-- where you know you deserves more.
The truth.
We call the truth “our side.” We know you deserve more, too. Our adjuster’s
will step in to fight on your behalf and maximize your insurance settlement.
Often, property owners are not even aware that they are entitled to support
from a public adjuster. We do all the work for you and it costs you nothing.
You don’t have to feel alone with your damage. We have built our Company around
helping people just like you!
Property owners
and insurance adjusters more often than not end up with conflicting opinions on
what specific property damage is worth. You, the property owner, likely have a
general idea of what you should be awarded given the extent of the damage you
have suffered. This is usually a combination of type of damage (fire, flood,)
and square footage of area affected.
An insurance adjuster is acting on behalf of the insurance company and
represents the company’s best interest (and not yours.) Problems arise and
disputes happen as a result. What’s even worse? Most property owners are
unaware that they are entitled to another opinion, another estimate, and an
advocate with years of experience and know-how that will fight for them.
You wouldn't go to court without a lawyer. In the same context, you
shouldn't have to deal with your insurance company/property damage without a public
adjuster. Our adjusters have years of experience of interpreting contracts and
the “gray area” that exists. Furthermore, they work on a contingency basis. In
a nutshell, that means that if they are unable to get you an increased
adjustment check (or a check at all) from your insurance company, we do not get
anything at all. So it is absolutely no risk to you.
If the adjuster is successful in their efforts and you are awarded a check
or adjusted claim check, we are paid off a very small percentage of that check.
This means nothing is out of pocket. That also means that it is a win-win
situation—it is in your best interest and ours for us to maximize your
insurance claim .It also means you can rest assured that you are getting the
absolute highest amount possible for your property and damage type from your
insurance company.
Nationwide Adjusting will aim to please you and stop at nothing to get you
the well-deserved claim check. We are here to alleviate the stress of an
already stressful situation. Leave it to us. We have hundreds of happy
customers and are always happy to provide references.
|
|
|
|
Lose Of Business Income
Loss
of business income is considered a defined period of time when the normal flow
of income is interrupted for any reason. Loss of business income can be
detrimental to the business because during this time period, in a business does
not have reserve funds, employees cannot get paid, bills will be neglected and
the business can fall apart. In order to ensure that a business is covered in
the case of such an emergency, it is important for business owners to seek out
loss of business income insurance. This
can come as a result of many situations such as natural disasters, flood, fire,
repairs being made to the building which houses the business, or any other
situation in which a business is temporarily out of operation. Loss of business
income insurance is essential in order to assure the policyholder that in such
a case where their business is not operating normally, their loss of income is
covered. Often, policyholders and insurance companies are in conflict over the
length of time that the business interruption is covered for. Most policies
state that the business interruption period ends when the physical damage to
the property is repaired and returned to normal operation as it was before the
disaster. Realistically, it takes some time for a business to recuperate time
lost and income that was not generated. For this reason, most policies include
an “extended period of liability” so that the business owner has a longer
period of time to return to normal working conditions. Though the length of
time that these policies extend for can vary, the standard among policy issuers
has become one year or less. It
is an unfortunate situation when a disaster strikes, but the hope is that a
business owner can quickly make the repairs necessary to their business in
order to seamlessly return to normal operation conditions. Unfortunately, most
of the time, delays occur which prevent the business from recovering as easily
as one would hope. These delays are sometimes the fault of the business owner,
such as if there is a total loss and the business owner decides not to repair
the property damage. Other times, delays in repairs occur in situations that
are out of the control of the business owner. For example, if there is a
situation where a business owner does not have a excess of funds to cover the
expenses of a repair before the insurance company covers the claim, there will
undoubtedly be a delay in the repairs. Other delays can come on the part of the
contractor or subcontractor doing the repairs. All of these circumstances
affect the length of time that business income is not collected. We will
negotiate with your insurance company to avoid any kind of additional loss and
minimize any delays. The
details of each business are different and the calculations can get complex. At
Nationwide Adjusting we guide each client through the necessary steps to a
successful recovery for their loss. Call us today 1888-685-6776
|
|
|
|
Inventory Assessment
 One of the most artful portions of presenting a claim is
properly documenting the damages, estimating those damages and presenting the
claimed items for payment. A proper itemization, proper photographing,
documentation and proper valuation are the key to receiving a fair and accurate
claim settlement. There are several types of evaluation equations that are
reviewed by our experts. A term that
you'll likely hear on an ongoing basis is ACV or Actual Cash Value. This is a
calculation that takes the replacement cost of an item and subtracts the
depreciation, this is the ACV. Most homeowner policies cover full RCV or
Replacement Cost Value under certain circumstances.
At Nationwide Adjusting our team of qualified adjusters will
work with you to guide you through various confusing equations to help organize
invoices, receipts, accounting records, and even coordinating with experts in
the field regarding specific specialty items. |
|
|
|
Relocation Services
 Depending on the terms of your policy, temporary residence or
temporary business space will be made available. We have a network of realtors
to help you find a temporary location equivalent to your home or business until
your space is restored and suitable for reoccupation.
|
|
|
|
|