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Licensed & Bonded Public Claims Adjusters - 24 Hour Service
"We Work For You, Not The Insurance Company"
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Services... This What We Do for YOU:
WE ARE A FULL SERVICE FIRM
We assist you immediately after a loss.
After the loss has occurred, CALL US IMMEDIATELY. We will advise you of the "Duties After A Loss," such as securing the property and protecting it against further damage. We can provide emergency aid and assist you in making necessary arrangements.
CPR will advise you every step of the way.
We will explain all of your rights, making you aware of deadlines and educating you on all of your options. We can advise you on business interruption, extra expense or rental income coverage's. If your loss (ACV) exceeds your coverage's we will provide you with a certified loss statement and assist your tax advisor in implementing any tax deductions available to you or your business. If the claim is on your business, our fee is tax deductible
We will provide you with a list of over 100 items to help you take control of your claim.
You will receive two of our reports; "The 10 Most Common Mistakes An Insured Makes After A Loss" and a report outlining 23 points of concern in "The Most Common Mistakes An Insured Makes When Using A Contractor". CPR will educate you on matters such as "appealing" the insurance company adjuster's decision, arbitration, and the appraisal process. We will be at your side all the way through the ordeal until your home or business is restored to your satisfaction. We will do everything necessary to bring your claim to fruition
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Preparation and presentation of your claim is crucial to your loss settlement.
This process typically includes our contents team physically performing an inventory of all items at the loss site. Appraisals are performed and calculations of "replacement costs" and actual cash value (ACV) are made. The final step is the recording and compilation of data. In a residential loss, it is common to have 2,000 to 4,000 lines of information comprised of 18,000 to 36,000 entries. On a commercial claim, depending on the type of business involved, the number of entries can increase exponentially.
We will provide the structural estimate, a critical part of the settlement.
This is due to the fact that the amount of coverage on the structure is usually the largest single component of the settlement. In addition, we must determine the viability of reconstruction. In some cases an inspection must be performed by our structural engineer to determine if the building is sound. Analysis of disconnect, removal, reinstallation and reconnect costs must be considered. CPR utilizes often overlooked areas of coverage such as debris removal (under structure and contents), code upgrades (improvements and betterments), and landscaping to ensure a comprehensive and enhanced settlement.
What types of property loss are handled by CPR?
Residential, commercial and industrial properties that have been damaged or destroyed by perils covered by insurance. These perils include fire, wind, water, smoke, lightning, explosion, vehicle or aircraft damage, weight of ice and snow, vandalism, theft and hail.
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All Rights Reserved 2009 · C.P.R. Claims Professional Representatives, LLC · Indiana & Michigan USA
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