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Public Adjusters works for the insured not insurance company

Water, Flood Damage

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Loss of Use

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Appraisal Service maximizing your claim using detailed inspection report

appraisal service can increase your claim

What is insurance appraisal?

Many times homeowners and business owners find themselves in disagreement with the insurance company on the extent of damages, or the amount of money it will cost to repair the damages.  When the insurance company refuses to bend, you have the option to demand appraisal.

The Appraisal Clause, also know as The Appraisal Provision, allows you to have third parties voice their opinion on the damages, and amount to be paid.  It's been described sort of like court arbitration, but without courtrooms, lawyers, and judges.

Most Policies Have the Insurance Appraisal Clause.  

To find the Appraisal Clause in your policy, look for the "Conditions" or "What to do after a loss" segment.  If you have trouble finding it, call one of our specialist, who will assist you.
An Appraisal Clause might read something like this:
If you and we fail to agree on the amount of loss, either one can demand that the amount of the loss be set by appraisal.  If either makes a written demand for appraisal, each shall select a competent, independent appraiser.  Each shall notify the other of the appraiser's identity within 20 days of receipt of the written demand.  The two appraisers shall then select a competent, impartial umpire.  If the two appraisers are unable to agree upon an umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premises is located to select an umpire.  The appraisers shall then set the amount of the loss.  If the appraisers fail to agree within a reasonable time, they shall submit their differences to the umpire.  Written agreement signed by any two of these three shall set the amount of the loss.   

Don't be afraid to invoke appraisal; it is your right.  Your hired appraiser will explain the appraisal process to you, and keep abreast any all progress and changes.


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Coming to an agreement with the insurance company will save you some time, if they are willing to be fair, and you are satisfied with the results of your own negotiating skills.  If this doesn't happen, and you feel defeated, don't lose hope.  Read through your policy and see if appraisal is an option.

If you are interested in invoking your right to appraisal, or would like to have a specialist look at your policy, please call 1-800-705-0570  contact us .

 

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Cost of Appraisal

Appraisal prices vary, depending on where the properties are located, extent of damages, length of time involved, etc.  Appraisers are paid by the hour sometimes, and then other times they are paid by the job.  There again, it depends on many factors.  It is the home owner or business owner's (the insured's) responsibility to pay their appraiser; but the difference in funding to repair your claim counterbalances the expense; it comes out of money that you never would have had.  Please call us for a better approximation of costs.  You don't have to take the insurance company's word for how much your damages are worth.  If you feel that you need more money to get back to pre-loss status, it's best to use a public adjuster or to invoke your right to appraisal.  Begin by finding your policy, and giving us a call.  We have professional and experienced public adjusters and appraisers on staff ready to take on your claim!