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Licensed & Bonded Public Claims Adjusters - 24 Hour Service
"We Work For You, Not The Insurance Company"
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ONCE WE HIRE CLAIMS PROFESSIONAL REPRESENTATIVES...
WHAT'S THE NEXT STEP?
Step #1 - Take Control. We will help you Take Control of your Claim
- Notify the insurance agent of your loss / Request a copy of Insurance policy.
- Notify the mortgage company / Request paperwork and procedures.
- If total loss, ask mortgage company for payoff letter.
- Have the public adjuster fax contract to the insurance company.
- Make sure that you protect your property from further damage/board-up. (Advise insurance company when done in writing.)
- Have the public adjuster meet the insurance adjuster at the loss site.
- Request the mortgage company repair packet.
- Contact electrician / temporary electric / apply for meter.
- Contact heating contractor / temporary heat / apply for turn on.
- Contact plumber / check waterlines / winterize if applicable.
- Provide emergency inventory specialist before packout.
- Contact and assist packout company in taking only salvageable and test clean items. Leave totaled items at loss site.
- Get board-up bill from contractor / submit to insurance company for payment.
- Assist dry cleaners in taking only cleanable clothes / get a price from dry cleaners before they clean clothes.
- Take pictures immediately prior to packout. (Room by room)
- Provide an inventory list to packout company. (Have them verify cleanable and non cleanable items)
- Do not sign a direct pay contract with a packout company until your contents claim develops.
- Get a preliminary price from packout company. (Prior to packout)
- Check warranties on electric equipment, computer equipment, cabinets, carpet flooring, fixtures, appliances, hard goods. (Get written letters from all manufacturers)
- Test clean electronics, computers, cabinets, carpets, fixtures, appliances, and hard goods for possible salvage. (Get estimate of cost before this is done)
- If a total loss, get demolition bid.
- If a total loss, check P.A. 495 hold-back.
- Before any cleaning of contents, get a written estimate from the cleaning company.
- Do not sign a contract with a contractor... until???
- Request a cash advance from the insurance company / Document properly.
- Set-up temporary living arrangements / get insurance company to agree.
- Set-up necessary rental furniture / if needed / get insurance company to agree on that amount.
- Set-up direct payment of temporary living with insurance company if possible.
- Obtain in writing from the mortgage company that it is ok to rebuild.
- Obtain in writing from the mortgage company that all payments are current.
- Invite, in writing, the insurance company out to the loss site for inventory process.
- Set-up appointment at packout company to review items 1st week.
- Continue to make mortgage payments throughout loss.
- Send letter to local code enforcement and cc: a copy to insurance company regarding the progress of the claim / 1st week / avoid demolition hearings.
- Make sure all debris is out of the yard / watch code enforcement bills.
- In the event of a "Total Loss" or severe damage, check building department for "green light" for rebuilding / any restrictions with rebuilding at the same time.
- In the event of a "Total Loss" check policy provisions for replacing off-site. / If so, get in writing from the insurance company.
- Keep track of all expenditures. (Every dollar that is spent)
- In the event of a "Total Loss" check with local realtor on new market value before you decide to rebuild. / Check new home worth.
- Document all normal living costs.
- Check on refinancing possibilities before rebuilding / lower interest rates.
- Check on selling home (or) building as is - before rebuilding.
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All Rights Reserved 2009 · C.P.R. Claims Professional Representatives, LLC · Indiana & Michigan USA
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