Smoke Damage Public Adjuster in New Jersey
When you suffer from smoke damage you know it. This can leave very unpleasant smells and cause damage to home furnishings, walls, floors and more. Often times, the result of home or kitchen fire or a larger damage, which means you will need multiple claims submitted. It can be a tedious process for someone who has never been exposed to the claims process or the inner workings of insurance companies. Experienced public adjusters have seen it before. We will work with the insurance company to make sure they get a full understanding of the damages, so that you receive the financial settlement that will ensure you can bring your property back to the condition prior to the damage. We are on your side.
Do You really have time to over see the full process and ensure you are getting what you should?
When a loss occurs you should do the following:
- Call our office immediately to ensure your claim is properly reported.
- Don't move or discard any damaged goods.
- Protect your property from further damage. Move undamaged goods to a safe place.
- Don't clean-up damaged area until photos or video has been taken of the loss.
- Take a visual inventory of the damaged property.
Following your call to our office and signing the contract, we do the following on a typical loss:
- Report the loss to the insurance company.
- Review your insurance coverage and apply it to the loss.
- Meet with insurance company representives including their contractors, engineers and cause and loss experts.
- Survey the damage and prepare a comprehensive estimate of repair on our state-of-the-art system.
- Photograph the loss and diagram the building.
- Inventory the loss of personal, business or stock items.
- Evaluate values of these articles in replacement cost and actual cash amounts.
- Assist the owners in locating temporary housing.
- Arrange for emergency services (i.e.) winterization of the plumbing system.
- Secure the building - arranage for board up.
- Negotiate the best possible settlement you are entitled to under the policy.
- Resolve difference of opinion between the insurance company and yourself.
