We handle your insurance claim so you don’t have to.
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One of the things that makes pipe or roof leaks so frustrating is that they damage your property and force you to deal with the repairs. Something that comes up in these situations is the question of filing a water damage claim and getting coverage for the damages. But there’s no need to stress about that part – we’re here to help!
Your property getting damaged by flood has got to be one of life’s most stressful challenges. Recovering your property and belongings from a flood can be a long and difficult process. But of course, you want to get your life back to normal and solve this issue promptly. In order to do that, you need to be be rightfully compensated. That’s why we’re here.
The sole idea of a hurricane hitting your local area is scary and stressful by default. But when the hurricane damages your property, the entire situation becomes miles more stressful. In certain cases, the damages aren’t too severe, but in others, the liveability of the property gets hugely compromised.
Unfortunately, natural disasters happen. Having to deal with the aftermath of a hail storm can leave you speechless, wondering: “What the hail?” On top of hailstones causing significant damage to your property, hail damage claims can add more stress to the situation as they are not always easy to file or settle. Don’t worry – we’ve got your back.
Being a home or business owner is all fun and games until you’re faced with some big challenges that come with that. One of the dangers you probably never think about until you’re forced to is fire damage. And we can all agree that having your property damaged by fire is one of the scariest things you can face.
14 Years of experience
With decades of combined experience in the industry, our public adjusters have what it takes to work tirelessly on your behalf and settle for what you deserve – fast! We take care of your claim as if it’s our own. No matter what challenges you face, we’ve got your back – our in-depth knowledge and experience make us the ideal partner for your claims process.
Damages to your commercial property can be detrimental to your business and stunt your operations. Because of the business interruption due to property damage, you might suffer a certain loss. We won’t let that happen!
Be it fire, water or any other damage, it can be very frustrating and even affect the livability of your home. That’s why it’s important to file an insurance claim and fix the damages as quickly as possible.
No one expects to face perils, but unfortunately, accidents happen, and sometimes things go sideways. Your property has been damaged, and you’re left rattled, dealing with the aftermath.
from previous years of cooperation
Camden Development Inc
Pinnacle Property Management Cushman and Wakefield
Our Proven Process
Our proven way we provide our service or product to our customers. We do it every time and produce the same result in 3 major steps.
The first step consists of interviewing the insured, inspecting the loss, and explaining the entire process in detail. In this phase, we obtain all the necessary documentation and perform an expert on-site inspection to determine the scope of the loss. Our experienced team inspects the property thoroughly, possibly noticing damages the insured might have missed, and documents the findings in the form of notes, sketches and photos.
In the second step, we submit the request, along with all the collected documentation pertaining to the loss, and schedule an inspection with the Carrier. During the inspection, we show all the damages to the FA and try to reach an agreement in terms of whether the damages were caused by the covered peril. Finally, we set the timeline expectations with the FA, document the details of the inspection, and inform all concerned parties in writing.
In the final step, we ensure that all timelines are met and take appropriate action if they are not, in accordance with applicable law.
In the event you are not properly indemnified, we will move to litigation and take all necessary steps to ensure success.
Our proven process is aimed at reaching a fair settlement for you and ends with your indemnification.
We’ll be there for you from the moment you reach out to us until you receive your funds to make sure your rights and assets are protected.
of all claims in 2018 was property damage
$ is economic toll from Texas winter storm
of loses was from severe thunderstorms in 2019
major hail storms only in 2019
Elite Resolutions Client
Elite Resolutions Client
Elite Resolutions Client
All public adjusters claim to be on your side in the fight for your insurance coverage, but Elite Resolutions has the data to back that up. Just take a look at our clients’ case studies and see how you can benefit from working with us! We can help you receive a 500x higher settlement or go from a denied claim to a maximum coverage.
1. What is a public adjuster?
A public adjuster is a licensed insurance adjuster that represents the policyholder (the homeowner, building owner, etc.) in an insurance claim process. A public adjuster is not the same as a company adjuster or an independent adjuster.
2. What is the difference between a public, company, and independent adjuster?
So, public adjusters work for the public, while both company and independent adjusters work for insurance companies.
3. How can a public adjuster help me?
Every insurance policy contains provisions that you need to abide by – like immediately documenting the loss, submitting the claim, providing an estimate to the insurance company, following up with the insurance company, etc. There is a high likelihood that you don’t know or have forgotten about these provisions.
A public adjuster takes care of all of these things for you, including gathering the necessary documentation, presenting the claim properly and in a timely manner, following up with the company, and ultimately guides you through the claims process. On top of those services, a public adjuster will most often get you more money because of their experience.
4. What is the difference between submitting a claim myself and hiring a public adjuster?
The difference is simple – a public adjuster is a licensed, trained, and experienced professional that specializes in insurance claims. They are experts in reading policies and negotiating with insurance companies.
You can file an insurance claim yourself, but the outcome will depend on your ability to do the job of a public adjuster. About 99% of the time, by hiring a public adjuster, you will end up with 50% to 500% more.
5. Is it the same to hire a PA vs. getting a roofer or contractor to help with my claim?
No, it is not the same to hire a public adjuster vs. a roofer or contractor to help with your claim. The basic difference is in what public adjusters are licensed to do. Only two categories of people are legally allowed to negotiate claims, talk about the policy, deadlines, statutes, and handle all the other facets of an insurance claim process – public adjusters and attorneys.
A contractor or a roofer is limited only to the estimate. A contractor or roofer cannot deal with coverage or additional living expenses, they cannot file disputes, etc. A contractor or roofer cannot help you if you are having trouble even contacting the insurance company and pushing them in the right direction. Hiring a contractor or roofer can be beneficial and is often advisable, but they are limited only to the estimate.
6. What is the difference between hiring an attorney and a PA?
Public adjusters and attorneys have similar legal authorization regarding insurance claims. However, the difference is in their role in the process. You can consider public adjusters the first line of defense. They are there from the beginning, documenting the claim, putting the estimate together, presenting the claim, following up, and generally being with you through the entire process.
If a public adjuster is unable to get an insurance company to pay the claim, then there are times to use an attorney, as many public adjusters will do. Yet, the main practical difference between a public adjuster and an attorney is the length of time it takes to settle a claim – if it gets to litigations, with attorneys the process can last between a year and two; with a public adjuster, the process to settle a claim takes between 1 to 4 months.
7. How much will it cost to hire a public adjuster?
The cost of hiring a public adjuster differs from state to state. Some states have limitations while others do not. More importantly, public adjusters are usually not paid a flat fee but work on contingency.
For example, the fee to hire a public adjuster in Florida is up to 20% of the claim. If a natural disaster happens, the fee is limited to 10%. In Texas, the fee is 10% of the entire value of the claim. This also means that public adjusters are financially motivated to get you as much money as possible and expediently complete the claims process.
8. How long does a claim represented by a public adjuster usually take?
A claim represented by a public adjuster usually takes between 1 to 3 or 4 months to settle. Insurance companies have a set amount of time to investigate a claim, typically 90 days. The public adjuster’s role is to expedite the process. If a public adjuster cannot settle your claim within that time period, then the assistance of an attorney may be required.
9. Where can I find my policy/claim number?
You can find your policy/claim number for your insurance on the Declarations Page, which is usually the first page of your insurance policy. The Declarations Page also contains the policy period, agent’s information, mortgage company information, and coverage limits, along with your deductibles.
10. What items should I provide to my PA in order to make my insurance claim go smoothly?
The public adjuster needs:
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