The Step-by-Step Process of an Experienced Public Adjuster at United Public Adjusters & Appraisers

Navigating the insurance claims process can be overwhelming, especially when you’re dealing with the aftermath of property damage. At United Public Adjusters & Appraisers, we understand how stressful and complex this process can be. That’s why we don’t just expedite insurance claims – we manage every detail to ensure our clients receive the full benefits of their policies.

Our team’s comprehensive, hands-on approach makes the process as seamless and efficient as possible. The following breakdown outlines the key stages we go through to manage your claim, offering clarity on the steps we take to secure the best possible outcome for you.

Immediate Action Plan

The first few days after filing a claim set the tone for how the rest of the process will unfold. Here’s what we do to get things started:

• Drone Photography and 360 Capture: We use advanced drone technology and 360-degree cameras to document your property’s exterior and interior in detail. This includes capturing unique finishes, renovations, and any other factors that could affect the claim.
• Detailed Interview: Our team conducts a thorough interview with you to understand your property’s history, any recent improvements, and the specifics of the loss. This helps us gather essential details to support your claim.
• Team Collaboration: While field inspectors are gathering data on-site, our office team is already hard at work:
  • We prepare a detailed claim file.
  • We carefully review your insurance policy to ensure we fully understand your coverage.
  • We report the claim to your insurer, making sure every important detail is accurately conveyed.
• Cash Advance Request: To address immediate needs, we request an advance payment from your insurer. This helps cover temporary housing, personal property losses, or any other urgent expenses.
• Temporary Housing Coordination: We work to get approval for both short-term and long-term housing needs, ensuring you have a place to stay while your claim is processed.
• Insurance Adjuster and Cause/Origin Expert Coordination: Our team ensures that the right experts, such as insurance adjusters and specialists, are brought in to determine the cause of the damage, speeding up the inspection process.

Phase 1: Claim Documentation and Filing 

Once the immediate actions are completed, we move to the documentation phase. This is where the heavy lifting of your claim begins.

• Construction Estimator Assignment: We assign both structural and cosmetic damage estimators to evaluate and prepare detailed reports on the damage to your property. This ensures that every element is accounted for.
• Contents Team Deployment: Our contents team works to document all non-salvageable personal property, carefully pricing each item to include in the claim.
• Claim File Submission: We compile a fully documented claim file for both building and contents damages and submit it to your insurer, ensuring nothing is overlooked.

Phase 2: Ongoing Advocacy and Negotiation 

The claim process doesn’t end with submission. During the next few months, we work tirelessly to advocate on your behalf:

• Persistent Follow-Up: Our team continuously follows up with your insurer – calling, emailing, and texting regularly to push for timely action on offers and settlements.
• Rebuttal Preparation: After receiving the insurer’s initial offer, we carefully analyze it. If the offer doesn’t meet expectations, we prepare a detailed rebuttal to address discrepancies between their offer and our documented claim, working towards a more favorable settlement.
• Advance Payments Released: As the claim progresses, we work to expedite any additional payments from the insurer, ensuring that you have the financial support needed to cover expenses along the way.

Phase 3: Settlement and Post-Settlement Support

Once a settlement is reached, we continue to support you with the final steps of the process:

• Final Settlement Achieved: We work with you to ensure that a fair and satisfactory settlement is reached. However, our support doesn’t stop at settlement – we keep the file open for any further support you may need.
• Replacement Cost Coverage Assistance: If your policy includes Replacement Cost coverage, we assist with submitting receipts and invoices to ensure the insurer pays the full replacement cost, which goes beyond the initial Actual Cash Value (ACV).
• Ordinance and Law Coverage: If repairs require upgrades due to local building codes, we help you navigate claims for Ordinance and Law coverage to ensure you maximize your policy benefits.

Why Choose United Public Adjusters?

When you choose United Public Adjusters, you’re choosing a team of professionals who are committed to managing every aspect of your claim. Here’s why our clients trust us:

1. Expedited Payments: We prioritize immediate advance payments to cover urgent needs, so you’re never left waiting for financial relief.
2. Thorough Documentation: Our team meticulously documents every detail of your claim, supported by expert analysis, so nothing is overlooked.
3. Persistent Advocacy: We stay on top of your claim, making sure it doesn’t get lost in the shuffle. Our consistent follow-up ensures timely action from your insurer.
4. Comprehensive Support: From start to finish – and even beyond settlement – we provide ongoing guidance and support throughout the entire claims process.

Partner With Our Expert Team Today

Don’t let delays, confusion, or stress add to your burden during this challenging time. Let United Public Adjusters & Appraisers take the lead in managing your insurance claim. Our team is here to guide you through every stage of the process, ensuring that you receive the compensation you deserve. Contact us today for a free consultation, and let us help you navigate your insurance claim with confidence and ease.