Get the Maximum Settlement To Which You Are Entitled! Hire a Licensed New Jersey Public Adjuster – JF Public Adjusters

If your property in Mahwah or nearby areas recently sustained fire, smoke, wind, malicious damage, water, burst pipe, or other damage, we can help. The management of your claim is crucial to the amount of your settlement and how quickly you receive it. How your claim is handled determines whether you are returned to your pre-loss position or suffer a significant financial loss (paying for all of most of the repairs out of your own pocket).

In an insurance claim, you, the policyholder, have the burden of proof to quantify and substantiate your loss. You have to be thorough and meticulous, if you want to receive every penny you are entitled to. However, for most policyholders, you experience one major loss in your life. So you’re having to navigate the muddy waters that is the claim process while having to deal with the overwhelming impact of property loss to your day-to-day life.

Herein lies the problem. Policyholders’ inexperience, the adversarial claim process, and tactics used by insurance companies all contribute to you receiving a settlement that’s much less than what you’re owed and entitled to. How?

• The moment you observe damage to your property, you have a duty to mitigate the loss. What this means is that you need to take the necessary measures to prevent more damage from occurring. This can come in many forms for example covering up a collapsed roof to prevent rain from causing more damage or boarding up your property to prevent looting in the event of a fire. In some cases, this duty gets missed out. Unfortunately, the insurer will not pay for damages that resulted in your failure to mitigate further damage and you will have to bear the cost of those repairs.
• You need to find emergency mitigation services providers to come in immediately. You then have to work out whether you can pay for their services, or if they are willing to perform the work and collect from the insurer. By the time you get to figuring all of this out, you would have spent a huge amount of time and effort and you’re only getting started with the process.
• If your personal property was damaged, you will have to immediately work on creating a thorough and comprehensive inventory of all that was damaged. If you don’t know what you’re doing, you could miss out on so many items. If a portion of your home was damaged in a fire, say your kitchen, you are likely to focus your attention on items that were burnt, forgetting that smoke also causes extensive damage and reaches far beyond the direct area of the fire, such as the attic and other bedrooms.
• If your insurance provider tells you that your claim is denied and provides an expert report – say an engineer’s report – so support their denial, what do you do then?
• If your insurer is not responding to your calls and emails and you are no longer able to pay for the temporary accommodation you’ve had to use because your home is no longer habitable, what would you do?
• If your insurer sends you a settlement offer for $10,000 but then when you asked a contractor how much it costs to perform the repairs, you were given a quote of $60,000, what would you do? Would you just bear the difference?

These are just some scenarios where a combination of factors – your inexperience as an insured having a claim for the first time, the complexity of the process, and some insurance tactics, could really cause so much stress and result in you possibly receiving a settlement that’s a lot less than what you’re owed.

Fortunately, help is readily available to you. Public adjusters exist to help policyholders navigate the complex claim process and get them the insurance claim settlement you deserve.

Public adjusters are specialists in insurance claims. If you suffered a loss, just give us a call and we’ll handle it from there. We keep a network of contractors that we can call to your home immediately to perform necessary mitigation services and repairs. If you had extensive damage to your home and a lot of your personal belongings were damaged, we can hire contents specialists to work on the personal property portion of your claim, so you won’t have to worry about preparing an inventory. If you need temporary accommodation because your home is no longer habitable, we can assist as well.

JF Public Adjusters will ensure that your claim is seamless and that you are compensated fairly for your loss. At all times, we’ll keep you up to date, so you know how your claim is tracking along. Contact us today to discuss your claim. Our claim review and consultation is absolutely FREE. Text or call (732) 709-9711.