Settlement Improvement

How Important is Obtaining Representation in an Insurance Claim??

Posted by on Dec 3, 2012 in Insurance Negotiations, Insurance Policy Coverage, Preparing, Settlement Improvement | 0 comments

As a property owner, you may experience a loss from fire, wind, snow loading, earthquake, hurricane, or other natural disasters. So the question is, when filing a claim with your insurance company should you seek professional representation to ensure your settlement is fair? The answer is…ALWAYS!!  Do not rely solely on your insurance company’s claims adjuster, contractor, and engineer.  More times than not, they will minimize the damage and subsequently minimize your settlement! In the unfortunate event that you find yourself in this position, we always suggest you seek consultation...

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Grass Valley, CA Forensic Team to Help in Superstorm Sandy Aftermath

Posted by on Dec 3, 2012 in Insurance Negotiations, Insurance Policy Coverage, Preparing, Settlement Improvement, Superstorm Sandy | 0 comments

On November 29, 2012, the Governor of New York, Andrew Cuomo, announced new actions to expedite Sandy-related insurance claims. One of these actions is to allow for expedited, temporary licenses to qualified out-of-state public insurance adjusting teams. The temporary licenses will increase the number of adjusters available to New York consumers to help get their claim settlements faster.  Lincoln, Long, and Roman Forensic Architecture and Engineering has been retained by a New York based company, D’Amore Adjusters, in an effort to aid victims of the Super Storm Sandy aftermath.  David...

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Will Your Homeowners Insurance Policy Cover the Cost to Rebuild??

Posted by on Oct 26, 2012 in Insurance Negotiations, Insurance Policy Coverage, Settlement Improvement | 0 comments

Having dealt with a number of insurance settlements over the years, one thing we have found is that in the event of a total loss MOST insurance policies do not cover the cost to rebuild!!  One reason is that many insurance companies have a standard “Ordinance or Law (code upgrade) limit” of 10 % of the building policy limit. The issue lies in Building Code Ordinance laws and the difference between what the building code was at the time the home was built and when the home needs to be rebuilt because of a devastating fire or other damage. Unfortunately, most basic home insurance...

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Inventory Your Belongings Before a Disaster

Posted by on Sep 28, 2012 in Insurance Negotiations, Preparing, Settlement Improvement | 0 comments

So it happened!  Your home was destroyed by fire and the last thing you want to deal with is your insurance claims adjuster and the debate over the loss of contents in your home.  Unfortunately, other than the obvious loss of furniture, appliances, and electronics how do you prove to your insurance company that you experienced a substantially greater loss of valuables (art, cash, heirlooms, and priceless worldly possessions) if you have no proof of their existence?  Good luck trying to convince your claims adjuster based on your solemn word!! Although initially taking an inventory of all...

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