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Public Adjusters for Homeowners Collapse Damage

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.

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What To Focus On After Collapse Damage

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

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

How Our Public Adjusters Help You

  • Evaluate Icon Evaluate Evaluating your insurance policy to establish the best possible strategy for presenting your claim to the insurer.
  • Strategy Icon Strategy Valuing, documenting, and substantiating every detail.
  • Communication Icon Communication Keeping you informed every step of the way.
  • Negotiation Icon Negotiation Negotiating on your behalf with your insurance company.
  • Settlement Icon Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Homeowners Our Public Adjusters Have Helped

  • Client References & Testimonials

    Client References

    Testimonials

    We surely have had a pleasant relationship and we look forward to continuing it. We believe that, in general, your services have been of extremely high quality and we do appreciate those efforts on our behalf.
    Don't Worry,' he said, 'you do not need any professional adjuster working with you. I will handle everything at no cost to you.' Like a babe in the woods I went along with him and quickly learned that the only people tougher to collect from than an insurance company is a bankrupt restaurant. Insurance companies like to collect premiums but do not graciously pay the insured what is rightfully his. Their adjusters before being hired are evidently screened for their ability to be unfair and insensitive to the plight of the poor homeowner. I, a seasoned businessman, quickly learned that I was no match for all the roadblocks the insurer set up in order to reduce their exposure…Once you came on the scene the ball game changed and the playing field was leveled…as a matter of fact I felt that I now had the edge. The professionalism and expertise you brought to the scene enabled my wife and me to finally relax and to finally believe that the matter would be concluded fairly and that we would receive the settlement that was due us. And that's what happened.
  • Case Studies

    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.

    A magnitude 6.8 earthquake, called Nisqually in seismic circles, rocked Seattle, Washington, in 2001 and severely damaged the Starbucks corporate headquarters building.

    Super Typhoon Paka, as the storm came to be called, was a 12-hour session of destruction for the island of Guam. Stirring up winds in excess of 200 miles per hour, the tropical cyclone tossed buildings, planes and ships across the island like discarded toys. Among these was the headquarters of Continental Micronesia, a subsidiary of Continental Airlines. The main offices, the marketing buildings and the planes were damaged by the powerful typhoon.

Contact Us

If you're suffering from a homeowner property claim, we can help!
Call us at 800.248.3888 or fill out the form below:
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