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Licensed & Bonded Public Claims Adjusters - 24 Hour Service
"We Work For You, Not The Insurance Company"
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A Message from the Partners of Claims Professional Representatives, LLC.
James Kalka Jr. and David Fruth
Jim Kalka Jr.
69001 M-62 Suite A
Edwardsburg, Michigan 49112
OFFICE: 574-252-5824
FAX: 269-414-4437
CELL: 574-532-2285
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Dave Fruth
4542 Page Avenue
Michigan Center, Michigan 49254
OFFICE: 517-764-0418
FAX: 517-764-9072
Dave Fruth's CELL: 517-206-0618
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This message comes to you in a time crisis when major decisions and occurrences will determine the outcome of your loss. The severity of your loss has a broad range in its effect which differs from each person and family.
You are immediately being put in a situation to make a "major decision" that will either benefit you or hurt you financially.
The lnsurance industry is an extreme complex business. Insurance policies are written in confusing and incomprehensible language. Misrepresentations and misunderstandings are common and claims practices and claim handling vary widely. Do not assume the insurance adjuster is an expert in handling all claims. As a matter of fact they are often inexperienced in property claims handling. The department of insurance licenses public adjusters to assist develop present, and negotiate all aspects of your insurance claim. In most cases the claims process takes less time with a much higher settlement being ultimately obtained after the public adjuster is paid.
If your insurance company is spending a lot of time trying to convince you not to hire a public adjuster, BE ON GUARD!
Your only responsibility immediately after your loss to your insurance company is to protect your property from further damage. Insurance companies will try and get their "preferred contractors" on your loss as soon as possible.
These contractors will try to get you to sign a contract to repair your property without a dollar amount. Most of these contracts are not legal. Be sure to check! If there is a pack out and cleaning company brought in by the insurance company, remember that the cleaning bill and pack out charges are deducted from your contents money.
There may be other "Complicating Factors" Iinvolved in your loss such as a bankruptcy, pre foreclosure, foreclosure, separation, divorce, death, arson etc. We routinely are involved and handle all of these types of situations on a regular basics. You have other options available to you after your loss. You have the right to cash out and not repair your property. You have the option to replace your property anywhere else in the country. (Policy Permitting) These are things you need to be made aware of in your insurance policy. Types of coverage's, hidden extensions of coverage, limitations of coverage, deadlines to file paperwork, total loss methods of payouts on your claim etc.
Our Free consultation with no obligation will help you tremendously. Visit our Free Consultation page for more details.
Finally, don't let the insurance company and all their "preferred vendors" intimidate you. The pace is quick after a new claim . Your insurance company wants to Control all the aspects of the claim. This is why they tell you that if you use their people you don't have to worry about a thing. They will pay all the contractor invoices directly. The insurance companies try to utilize their “pricing company” to settle your contents claim. These prices are usually below the manufactured suggested retail price (MSRP).
Don't worry... It is legal to hire a public adjuster to represent you. The department of insurance licenses us to help you . Your insurance company wont cancel you if you hire a public adjuster.
There will be a lot of people giving you advice after your fire. Be Cautious! Your family and friends mean well however listen to the people who have been through what you are about to go through yourself.
We get money in different ways . Proper pricing , Better documentation, Accurate estimating, Proper depreciation, Knowledge of real estate and market values, Construction and mortgage companies expertise and 51 years of combined experience in negotiating with insurance company adjusters.
We Look Forward to Hearing From You!
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All Rights Reserved 2012 · C.P.R. Claims Professional Representatives, LLC · Indiana & Michigan USA
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