Hurricane Damage

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Hurricane claims are inherently more difficult. They possess all of the difficulties of a regular claim but are CATASTOPHES that affect a large number of people simultaneously. This means, that you might find yourself without the guidance and assistance of your insurance company at a time when you need them most. This widespread event will most likely present you with challenges relating to logistics, staffing and response time. Hiring a Public Adjuster to handle your Hurricane claim just makes sense.

You purchased an insurance policy hoping never to need it and now you do. The storm has passed and the questions are flooding your head. How will I be sure I collect enough money to replace everything? Will my insurance company really help me? Will they pay me what i believe i have lost? What did I lose? Thats just the beginning..

Your insurance company has employed various claim experts in order to evaluate your loss. From Adjusters to Estimators and Accountants to Attorneys, their representatives will offer to settle your claim. In doing so, they will investigate, calculate and negotiate your damage taking into account THEIR experience and opinions. Remember, settlements are based on opinions, and never, "CAST IN STONE". This is why your PUBLIC ADJUSTER is so important.

If you take the time to choose the RIGHT Public Adjuster, they will provide an invaluable service, and do so, for a small fee.

A good Public Adjuster should do the following:

Meet with you immediately after your loss to review your insurance policy, advise you of the coverages available , and report your claim to your insurance company.

They should assist you with securing emergency services such as pump out, roof and exterior board ups, electrical repair and other safety steps to be sure you have met your "Obligation" to protect your property from further damage. Your insurance will pay for these services but it's up to you to get them done. 

It is now the responsibility of your Public Adjuster to estimate your damages. This may include damage to structures, their contents and furnishings as well as additional expenses incurred as a result of your inability to use the property as you did. Again, these losses are all covered under your policy, but they will not get paid, unless you claim them. Your Public Adjuster will use their experience to evaluate all of your damage, from WIND, WATER AND MOLD. That's why, EXPERIENCE is so important.

They will meet with your insurance company experts to present these detailed estimates of damage to them, negotiating in strength. armed with a comprehensive knowledge of your insurance contract, the amount of damages and the adequate costs to repair or replace them. Once your claim is settled to your satisfaction, they will assist you in executing the proper documents and expedite all payments you are to receive.

Only when all this is done, will you owe your Public Adjuster a fee. And if you hired the "Right One", you will be HAPPY to pay that fee.

New York Claims is the "Right One" and I, Harry Hipper will see you through this difficult time in your life leaving you with a great experience when we are finished. HURRICANES are bad but your insurance claim doesn't have to be.