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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 #2 - Plan of Action ...THIS IS A VERY CRITICAL STAGE OF YOUR CLAIM
- Review your insurance policy, decksheet and endorsements.
- Determine all your insurance coverages.
- Determine all policy extensions and hidden coverages.
- Determine what your exclusions are. (Structure)
- Write structure appraisal / room by room / amount of tearout, determine and match ability
- Establish and document square footage and linear footage unit costs on structure.
- Take pictures on a room by room basis. (Structure)
- Get supporting documentation of big ticket items. (Structure)
- Determine line by line depreciation. (Structure) Document depreciation.
- Get 2nd opinion on structure estimate.
- Document mechanical estimates. (Structure)
- Start contents inventory process after initial inventory list.
- If contents are totaled... utilize prompter pack.
- List contents on a room by room basis.
- Establish quality and quantity of contents.
- Establish documented depreciation on each item (contents) by public adjuster and insurance agent only.
- Establish documented actual cash value on a line by line basis. (Contents)
- Establish documented recoverable depreciation on a line by line basis. (Contents)
- Get landscaping estimate. (Fire damage items only)
- Get construction utilities projections. (Throughout repair time)
- Establish agreed packout bill cost. (You may decide to keep these funds)
- Establish agreed hard good refinishing costs, re-upholstery costs. (Contents)
- Establish agreed storage bill for contents.
- Establish agreed bill for moving contents back to the house.
- Establish agreed bill for putting contents back in place.
- Document / support new contents items (receipts, credit cards, etc.)
- Check all deadlines within insurance policy.
- Insured needs to have an idea of cashing out, repairing or replacing off site, doing repairs themselves.
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All Rights Reserved 2009 · C.P.R. Claims Professional Representatives, LLC · Indiana & Michigan USA
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