Insurance Policy Review -New Years Resolution

Insurance Policy Review — Like money in the bank! 

This is the season for New Year's Resolutions, as our friends at the Merlin Law Group suggested in an article by  Shane S. Smith, Esq..  Ms. Esquire Notes "The New Year is a time when many people commit to a New Year’s Resolution to do something different, or have set specific goals they would like to achieve in the New Year. Maybe you have set a goal regarding improving your health or personal finances. However, have you thought about a resolution to review your insurance policies?"

The heartbreak of being under insured after a damage to your property yields the owner and the Public Adjuster with problems that cannot be remedied.

We encourage owners to have an insurance policy review bi-annually to assure conditions do not change that could cost at the time of insurance covered damage.

Talk to your insurance broker and ask for an insurance policy review to include: 

• Do I have enough coverage on my building for all potential perils?
• Do I have enough coverage for my contents?
• Do I have enough coverage for loss of use or additional living expenses if I must be away from the property?
• Can I get a reduction in my cost of insurance by doing something with my home, windows, structural, or security system?
• How much does the maximum for sewer backup coverage?
• Check your deductibles, make certain they are not so high you cannot afford them.
• Make certain all the buildings on your property are covered.
• Make certain you are covered for specific high value items in your home; Antiques, Fine Art, Jewelry, etc.

This entire process will not take long, and will assure you that a loss at your home or business does not become a loss to you personally. Insurance carriers deny claims, Global Patriot Adjusters, as your Public Adjuster fights these denials with great success. Our ability to settle insurance claims is enhanced when overages are appropriate for the eventual loss situation.

With years of experience, our ability to bring about quick action from your insurance carrier is our standard of operation. Your insurance company does not have your best interest at heart. We have a staff ready to personally handle every aspect of your claim.

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041.

Public Adjuster Insurance Notes: Forced Placed Insurance

Public Adjuster Insurance Notes: Forced Placed Insurance

Forced Placed Insurance - Public Adjuster Advice Global Patriot Adjusters, LLC

If your insurance carrier is handling your insurance, you are likely paying too much for coverage that doesn't protect your possessions or your home to a level you desire. This does not mean we cannot be your Public Adjuster, It does mean you should pay attention to this earlier, and seek how to get a policy which protects your contents much better.

Most people with forced placed coverage do not really understand their policy until it is too late.  JP Morgan is slated to pay out $322 Million for charging customers as much 10 times the cost of their insurance! 

Marc Lancaric - Public Adjuster & President of Global Patriot Adjusters suggests; "Talk to an insurance broker about your insurance. Do this for the same reason you hire us as your Public Adjuster, you should always use a professional - and brokers carry liability and thus are generally the most professional in assessing and providing proper insurance coverage for your home of business. "

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041

Insurance Claim Help - Public Adjuster

Insurance Claim Help -  Avoiding the Pitfalls

When you have damage to your home or business, from the first call you make to your insurance carrier, it could be costing you monies on your claim. It seems like it should be simple, but the insurance company doesn't stay in business by paying out big on your claim without a push!

Some of the pitfalls we can help you avoid:

• Taking a settlement less than the proper value of the damage to the building.
• Taking a settlement for building contents for less than what is lost or damaged.
• Avoiding undue limits on your Additional Living Expenses Coverage.
• Avoiding delays by your carrier.
• Avoid problems with records relating to the construction that will cause delays in payment, or denied claims.
• Avoiding making statement that could cause a rejection of all or part of the insurance claim.
• Generally avoiding the hassle of dealing with so many aspects of a claim.

“Your insurance carrier hires professionals to work your claim on their behalf, you should have the same on your side!”

— Marc Lancaric, Public Adjuster & President of Global Patriot Adjusters

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041

Smoke Damage Insurance Claims

Smoke Damage Insurance Claims Why You May Need a Public Adjuster

Marc Lancaric, public adjuster, was at a New Hampshire apartment building where a fire had occurred recently. The owner explained that the insurance carrier had said, “We won't be covering smoke damage beyond the neighboring apartment, this just wasn't much more than a kitchen fire.”

Marc Lancaric, now the owner's Public Adjuster responded “This is a smoke damage insurance claim as much as a fire claim, as per the policy, the insurance carrier is responsible to properly investigate and pay for actual damages, including smoke contamination throughout a property.”

Insurance carriers will commonly quickly dismiss the smoke damage caused by even a small fire in homes and businesses. Smoke is one of the strongest and penetrating in insurance losses. Smoke smell can overtake neighboring rooms, attics, basements, and wall cavities which span a building.

At Global Patriot Adjusters, we properly scope the loss. Frankly, it is easy just to look at the obvious, but we will never be accused of such. We dig deep, to find every bit of damage that should be covered by your insurance carrier. We do bring in a far more dollars on claims that are handled with us!

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041

Public Adjuster Commitment To Owners

We had a funny call today from a client. The owner said; “You can't be making money on our claim, with all this hassle — are you going to leave us?”

Marc Lancaric, Public Adjuster and President of Global Patriot Adjusters LLC responded; "We work every claim with a type Commitment to Owners that is not about how profitable your claim is to us, but how well we work as your Public Adjuster.  When we do our work by best practices, with a fact based, owner centered commitment, we build a great company, and support the positive lives of thousands who are damaged by denied and unfair insurance claims!"

He went on to say, "We don't just abandon any client, no matter how hard the negotiations may become!."

A little background on this claim: We had checks flying in for the owners, but we were facing some challenges in getting the client paid for all of their contents.

First understand, Global Patriot Adjusters, handles tens of millions in contents every year. For this particular owner, we even got 3rd party evaluation on many of the items to get the numbers up.

As it happened,  we got a report in from the insurance carrier today that they were paying $25,000 of a $39,000 claim for contents.  We called in some experts for some help, and by five o'clock, we had that number to $36,500. We are always proud when we get closer than others.

It could be said that we are a strange lot! We would certainly agree. Our strangeness is more of a code of honor, as we border on zealots when it comes the settling claims.

Call us for a free no obligation consultation or for advice on how to proceed: 800-654-3041