Your home just collapsed. Do you know the cause? When it comes to homeowners insurance and property damage, collapse is a peril up for interpretation. Our public adjusters are seasoned professionals in determining what you are truly owed from such a catastrophe.
As your policyholder advocate, we break down walls with your insurance company to get you the money you are entitled to from your claim.
A collapse can happen from sudden natural disasters like a mudslide or hidden causes that over time compromised the structural integrity of your home, such as insufficient construction methods and draining systems, decay, and infestation. Even heavy collection of rainwater on your rooftop could lead to roof damage and be considered a cause.
Still, your homeowners insurance policy may state exclusions or limitations related to these causes that could limit your coverage if you suffer collapse property damage. It can leave you vulnerable to an unreasonable damage assessment by your insurance company and its adjusters that will not get you what you deserve. That is why our team of public adjusters works on your behalf, bringing to the situation unmatched professional experience in claim management. We are fluent in your policy coverage, properly evaluate and document the extent of property damage, and negotiate your claim for the maximum amount so and your family can recover sooner.
Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
How much do I really need to know?
How can I minimize the emotional toll on my family?
How can I minimize the effect on my work/career?
How large an advance should I expect?
Is there anyone on my side?
How much time over the next several months will you need to put aside to handle your claim properly? How will all those hours affect your family? Your job?
What is the emotional investment that you will need to commit to the process?
Can you get paid for your time?
Are you entitled to an advance from the insurance company? What is reasonable?
What is your broker or agent’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
Are you familiar with the forms/practices below and what their request/issuance is telescoping? Request for a Proof of Loss. Reservation of Rights letter. Request for an Examination Under Oath.
What does it mean when the insurance company recommends a preferred vendor? Who is this vendor working for, really?
Contractors may tell you they can do what public adjusters can do. Can they really? What is their background and education in insurance? Are they bonded? In many states, like California, it’s even against the law!
What is the insurance company’s motivation in preparing a reconstruction estimate for you? The policy says it is your responsibility. Why are they willing to do it? How do they benefit?
What is the difference between functional replacement and true replacement? Should you care? Why?
How is actual cash value determined?
Can you do the repairs yourself? Are you entitled to the profit that a contractor would typically charge? Are you entitled to the overhead that a contractor would typically charge?
What are the benefits and the pitfalls of replacing your home vs. selling?
Do you have to replace on the same site? Can you buy or build elsewhere?
Can you collect code coverage allowances if you build elsewhere?
How quickly can you get started rebuilding?
Property Damage Losses Homeowners Claims Recovery Process
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
...your lead adjuster took command of our claim and negotiations with our insurance carrier and has returned more than three times what the initial claim value appeared to be. ...As a result of all your fine efforts, we have been able to rebuild a new facility, larger than the one we lost; installed a state of the art packing line; and have improved our site facility all for the amount of the settlement. ...We initially looked at your fee as a cost of doing business. It turns out that the fee we paid of $218,858.00 was a true value compared to the additional reimbursements Greenspan Adjusters International was able to negotiate on the claim. ...
VP Risk Management & Human Resources - The Harris Ranch/Harris Farms, Inc.
“The hail storm damaged every single one of our 54 buildings and we were faced with the daunting tasking of evaluating what we needed in order to properly repair our buildings. We obviously did not know what we needed because we are not contractors or experts at repairing buildings. The insurance company came in, acting as if they were on our side, and offered to estimate the loss for us. Looking back, we should have seen an immediate red flag. We, after much delay, found out the hard way that letting the insurance company estimate our loss was not a good idea…After we found ourselves hung out to dry by the insurance company we did not know where to run…I consider every unit owner in the complex lucky that we made the smart decision to hire The Greenspan Co. / Adjusters International to stop the insurance company from continuing on the same path. It was clear, immediately after retaining your services, you were on the job. You took control of the adjustment process and told the insurance company what we were entitled to receive. You were unwavering in your approach and negotiation.”
Property Manager - Scottsdale Mission
For decades, L’Auberge Chez François has been one of the leading restaurants in the metro Washington, D.C., area. Known for its exceptional French cuisine and impressive service, the restaurant is a longtime favorite of Washingtonians celebrating anniversaries, birthdays or other special occasions.