Our public insurance adjusting services have been designed with your needs in mind. We’ve broken the process down into four easy-to-understand steps:
1. Policy Analysis – The first step involves examining your insurance policy to determine your coverage and any policy exclusions prior to you reporting your claim. This step is crucial in determining what you are entitled to, what your responsibilities are, what the insurance company is obligated to cover, and more. This is a thorough analysis to ensure that nothing is left to chance.
2. Loss Documentation – Next, our public insurance adjusters document the damage. Documentation is crucial as you are responsible for proving your losses. R.P. Adjustment Group uses a thorough loss documentation process that involves taking digital photos, sketching diagrams, writing structural estimates, providing temporary repairs, inventorying and pricing personal property, estimating loss of income and temporary living expenses. We also document any expenses you’ve already incurred to ensure appropriate reimbursement.
3. Presenting the Schedule of Loss and Damages – Once the scope of the loss has been determined and fully documented, our public insurance adjusters prepare the final schedule of loss and damages, review it for accuracy, and present it to your insurance company.
4. Negotiating the Final Settlement – While many insurance companies will accept the prepared documentation without objection, most will require negotiations. Our expertise and thorough documentation process puts us in an excellent position to present your losses and maximize your final insurance settlement.
This four-step process takes the burden of proof off of your shoulders and places it on ours. While the average person may file an insurance claim once every twenty years or so, we work with insurance claims and property loss on a daily basis. Let us put our experience to work for you.