American Property Loss Public Adjusters
We are property loss experts on your side to quickly maximize your homeowners insurance claim. American Property Loss Public Adjusters offer public insurance claim adjusting and insurance claims consultation services for homeowners insurance claims and commercial business insurance claims throughout the United States.
Public Adjusters to handle your Property Damage Claim
If you are a property owner suffering through the aftermath of major storm damage such as hurricane damage, tornado damage, fire damage, hail, or some other form of devastation, you shouldn’t have to suffer through a homeowners insurance claim nightmare, too. That’s where hiring American Property Loss Public Adjuster services comes in to make your life easier!
Property Loss Services
The property damage claims process involves extensive paperwork, accounting, legal, construction, insurance jargon plus knowledge of repairing building structures and code compliance. Proving your property damage losses is YOUR job, not the insurance company’s, so make sure that you have a licensed and experienced Public Adjuster on your side because the last thing you need at a difficult time is more aggravation.
We take the burden of filing insurance claims papers off of your shoulders and handle all of the intricacies of a Homeowners Insurance Claim. American Property Loss Public Adjusters treat your insurance claim with extreme care, searching and claiming every possible property loss so that you receive the maximum compensation.
Homeowners Insurance Claim
Commercial Insurance Claim
Our team specializes in managing commercial claims, minimizing downtime, and ensuring you receive the compensation needed to get back to business as usual.
Insurance Claims Consultation
Not sure where to start with your insurance claim? American Property Loss offers expert insurance claims consultation to guide you through the process.
Contact American Property Loss
You wouldn’t think to defend yourself in a courtroom without the benefit of a lawyer, so why wouldn’t you contact expert Public Adjusters to defend your homeowners insurance claim?
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Property Damage Claims
Fire Damage
Flood Damage
Fire Damage
Flood Damage
Hurricane Damage
Tornado Damage
Earthquake Damage
Hail Damage
Recent Post
FL – Citizens Insurance Above the Law?
Shaw says the reasons Citizens Insurance gets so many complaints is, by law, the company doesn’t have to follow the same rules as private insurance companies. Under state law, Citizens is not subject to ‘bad faith.’
“Bad faith is the hammer that hangs over insurance companies that says you have to do things that are under the statute — you have respond to my phone call in a certain period of time, you have to be communicating with me about my claim, you have to keep me in the loop. And Citizens is not subject to that statute.”
Shaw says, to make matters worse, this past legislative session, lawmakers passed a bill overhauling property insurance which caps fees paid to public adjusters at 10 percent with cases involving Citizens.
“A public adjuster is someone who will help you file your claim and charge you a contingency. So they will charge you a percentage of what they can get you. Why do you have to hire one? Because you think the insurance company isn’t treating you right.”
But under the new law, public adjusters get less if they go after Citizens and therefore have less incentive.
“If you have Citizens, they can only charge 10 percent. But if you have anybody else, they can charge 20 percent. So again, the state-run insurance company that is not subject to bad faith you can only charge half of what you can charge for the private market. So they are really protecting and coddling the state-run insurance company. This is really an academic discussion until you have a claim, you’re the one who’s tree falls on your roof and the insurance company is not responsive.”
Read the rest of the article here: http://www.myfoxtampabay.com/dpp/news/investigates/citizens-bad-faith-111411
Pamlico County NC – Insurance Review Nov 17 2011
Insurance Review for Citizens with Flood, Wind and Homeowner claims and questions can meet with NFIP and Dept of Insurance Representatives
November 17, 2011 8am-5pm (walk-in)
Courthouse–2nd floor Commissioners Room
Anyone that has questions about their Hurricane Irene claim should plan on being at this meeting! This may be the last chance to ask all of the questions that you, or your contractor, may have about your coverage, the estimate, how much is being allowed for the repairs before the 90 day deadline.
We will have a Licensed NC Public Adjuster on site to ask many of the important questions on your behalf if you cannot make it.
Feel free to call us at any time for a free claim review.
(855) 757-APLS
NFIP has been directed since 2004 that there is no longer any requirement to withhold the “recoverable depreciation”
As written by the Outer Banks Sentinel:
“The NFIP flood adjusters’ manual states that primary residences are not to be depreciated but almost all of the proofs of loss examined by the Sentinel contained depreciation of things such as floors, stairs, doors, etc. That depreciation was noted as being “recoverable” if policy-holders spend that amount and then file a supplemental claim. Many of the amounts withheld were in excess of $10,000; some were several times that amount.
Many policy-holders said that without the withheld “recoverable depreciation” funds, they can not afford to complete their repairs.
On one proof of loss, a side-by-side refrigerator that had been purchased a year ago for $1200 was valued at $600 on the proof of loss. That amount was depreciated to $300 and then recoverable deprecation of 20 percent was applied resulting in a total pay out of $240.
Another common issue has been the coverage of heating and air units. Adjusters are allowing replacement of only one portion of the system, thus creating a situation where the new component is not compatible with the the other parts of the system, thus leaving the homeowner with no heat or air conditioning.”
Launching Illinois Website
Launching soon!
Pamlico County NC – Public Adjuster NC Services
ORIENTAL, NC – American Property Loss Services, Inc, based in Raleigh, NC, has setup onsite temporary Public Adjuster NC Services headquarters in Pamlico County, NC to handle property damage claims from Hurricane Irene. After seeing the initial damage from Hurricane Irene, it was decided that the best course of action to provide timely NC public adjuster services was to setup an onsite headquarters in Oriental, NC inside the heavily affected Pamlico County area of North Carolina. Residents of nearby Craven County, North Carolina will also be able to contact American Property Loss Services for fast and efficient Public Adjuster NC services from their temporary headquarters in Pamlico. American Property Loss Services can be contacted at 252.497.2750. read more…
Starting on Hurricane Irene Damage Property Loss Claims – Public Adjuster NC
We’ve already got NC public adjusters on site in Eastern North Carolina working with homeowners on Hurricane Irene damage claims. Hurricane damage is never pretty, but our heart really goes out to these people. Our NC public adjusters have talked to a lot of really great people in this area of the North Carolina coast around New Bern, Havelock and the Emerald Isle NC area – actually we’ve talked to people up and down the NC coast at this point. It really tears at you to see the hurricane damage done to some of these people’s homes. We’ve seen many homes that will be just total losses and a number of them that aren’t too far from being a total loss. read more…
NC Public Adjusters – Your Advocate when Mother Nature Strikes
Fires, hurricanes, tornadoes, lightning, hail storms, floods and other disasters are usually covered by insurance. But the amount of a fair payment can be a very complex matter of evaluations, policy provisions and negotiations. And an experienced NC public adjuster can help.
When was the last time you read and understood the insurance policy that covers your business or home? read more…
Why should I pay an NC public adjuster a fee when the insurance company assigned an adjuster already?
Many people feel that they need to be having problems with their property damage claim before they can mentally justify paying American Property Loss Public Adjuster NC services a fee to make sure they get paid everything they are entitled to. We understand that. Many people have never heard of a public adjuster or what exactly a public adjuster really does. read more…
Avoid Costly Mistakes with Your Property Claim
Mistakes can be difficult to correct. American Property Loss NC Public Adjusters help policyholders navigate the claims process to avoid pitfalls and mistakes.
By getting a Public Adjuster on your side as soon as possible, your property claim will have a greater chance of being correct when submitted the first time. read more…
Local Public Adjusters Ready Now!
If you’re dealing with property damage and need help with your insurance claim, don’t go through it alone. Contact us today for a detailed consultation.