We help Delaware property owners get a fair settlement from their insurance company for covered claims.
With over Ten years of experience handling insurance claims, we understand the unique challenges that property owners face after a house fire. We work for you, the policyholder, and we work relentlessly to recover the max settlement you are entitled to.
Whether you experienced a moderate fire, total loss, or other unexpected fire related disaster, as licensed public adjusters in Delaware we are here to ensure that:
Our job first and foremost is to take care of you and ensure you have one less thing to worry about. Fire damage is always a scary situation, so we make sure that the journey from start to finish is one that you are satisfied with.
The first step is for the public adjuster to review the client’s insurance policy and gather claim details during an initial consultation.
The second step involves the adjuster inspecting the property, documenting damages, and preparing a detailed claim with all necessary evidence.
The third step is for the adjuster to negotiate with the insurance company to secure a fair settlement and ensure the client receives the payment.
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Answer our short questionnaire, so that we can learn if you qualify for the assistance of a Public Adjuster.
WE HELP WITH ANY TYPE OF FIRE DAMAGE IN DELAWARE
Since we started in business, we have helped recover more than 15 million dollars in property damage for families and businesses alike.
You don’t have to contact your insurance company, deal with adjusters, and all the other headaches that come along with a house fire. You can simply call us, and we’ll do all the heavy lifting, in order to ensure that you get the entire insurance settlement you are entitled to!
Insurance companies ALWAYS offer you far less than what you will realistically need in order to restore your property. Many people find themselves taking out second mortgages after a house fire, but not our customers!
A state licensed Public Adjuster, is an insurance claims adjuster who advocates for the policyholder in order to recover what you are entitled to in the event of a loss. A state licensed Public Adjuster is the ONLY type person that can legally represent the rights of an insured during the insurance claim process. Home Improvement Contractors are NOT legally licensed to negotiate an insurance claim.
Public adjusters are hired by individuals and all types of businesses and professionals, including attorneys, banks, accountants, business owners, and even insurance adjusters and agents for their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our help. Handling an Insurance claim without a Public Adjuster, is like walking into a courtroom without a Lawyer!
Public adjusters are very knowledgeable claims advocates, who utilize the services of insurance appraisers, engineers, estimators, loss mitigators, along with other experts as needed. A public adjuster will meticulously sort through all the evidence, and document everything for you, in order to recover what you are entitled to under your policy.
You’ll ALWAYS receive a higher settlement from the insurance company if you use a public adjuster, for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage. Typically, the more detailed and complete your claim is, the higher the settlement will be. We go through all the evidence step-by-step, carefully inspect the loss site, and accurately document the damage. Studies have clearly proven, that estimates and inventories compiled by homeowners without the help of the Public Adjuster, are missing lots of important information needed for fair settlement.
The insurance company adjuster or independent claims adjuster are both employed by the insurance company and can’t protect both your interest and the interest of his/her employer at the same time. In fact the insurance company adjuster/independent adjuster specifically work to protect the interest of the insurance company, making every effort to assure the lowest claim settlement possible. A Public Adjuster however, is a State Licensed Insurance Adjuster who works exclusively for you, the policyholder. We are experts in reading the policy fine print, understanding your policy coverage, and the insurance company’s responsibilities, in order to negotiate a fair settlement.
Yes! Many of our clients were told their claim was denied. We simply reopen the loss, negotiate with your insurance company, and insist they pay for viable damages.
Usually, it is not too late. State law allows a few years to file a supplemental claim from the date of loss. If you do not believe you were paid the right amount and would like us to review your claim, please contact us. We will carefully audit and analyze your claim and give you our professional opinion.
We only get involved in claims where our services are needed. Therefore, there is no claim too big or too small. Just give us a call to discuss your claim and we will give you our professional opinion.
The standard fee for public adjusting services is a State mandated percentage of the amount recovered from the insurance company. These fees are regulated by the State Legislature, Insurance Department and are explained in a State approved contract.
NO! It would be a serious violation for any insurance company to discriminate against you in any way for exercising a right given to you by under State Law.
A State Licensed Public Adjuster, is an insurance adjuster who is licensed, certified and regulated by the Department of Insurance in each State to work for the exclusive benefit/interest of the policyholder ONLY.
You should call one immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process.
If you have any concerns or questions about a current or past fire damage claim to your property, we would love to help you.
Fire Claims Adjusters of Delaware is a public adjusting firm that puts our client’s interests first. We will analyze, evaluate, and negotiate the best settlement for your fire damage insurance claim.
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