SERVICES

Our team will evaluate the damage by assessing the loss and calculating the estimated amount of money you should receive. Once the assessment is complete, you will receive a comprehensive photo report, an accurate estimate, and a precise sketch of the affected area. 

 An insurance loss consultant, also known as an insurance claims consultant or loss assessor, is a professional who specializes in assisting policyholders, attorneys, public adjusters, roofers, and real estate investors. We help prepare a detailed estimate of the damage sustained to a covered property, which allows your PA, attorney, or representative to negotiate the settlement of your insurance claim. Consultants work on behalf of various professionals such as PAs, attorneys, roofers, real estate investors, homeowners, etc. Our primary goal is to help maximize settlements while ensuring your representative receives fair compensation for your covered losses. 

The appraisal process is a standard component of residential insurance policies. Its objective is to aid in resolving any conflicts that may arise between the insured and the insurer in case the insured believes that they haven't been adequately compensated for their loss under a filed claim. Instead of hiring a lawyer to litigate their complaint, the insured may use the appraisal clause in their policy. The appraisal process is designed to settle differences without resorting to litigation.

The policy typical appraisal clause states: If we cannot agree on the amount of loss, we will each choose a competent appraiser within 20 days of receiving a written request from the other party. These appraisers will then select an umpire. If they cannot agree on an umpire within 15 days, either party may request that a judge of a court of record in the state where the "residence premises" is located make the choice. The appraisers will separately determine the amount of loss. If their written reports agree, the amount agreed upon will be considered the loss. However, if they cannot agree, they will submit their differences to the umpire. A decision agreed upon by two of the three on the panel will set the amount of loss.

 If the two Appraisers cannot agree on the scope and compensation amount for the damage, the Umpire will be involved. The Umpire will complete the Appraisal Panel, and from then on, all communications must include all three-panel members. The Umpire will require information and documentation from both Appraisers to assist with the determination of a possible resolution for the dispute. The Umpire is responsible for compromising between the two Appraisers or agreeing with one of them. If two of the three-panel members agree that amount will be final and binding on the insured and the carrier. If an agreement cannot be reached, the panel may be disbanded, and the claim will have to be resolved in court. 

A liability adjuster, also called a liability claims adjuster. Our main job is to investigate and assess liability claims made against their clients, who are policyholders. These claims usually involve accusations of negligence or wrongdoing by the policyholder, which has led to harm or damage to a third party.

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