Common Mistakes Policyholders Make After Sustaining Fire Damage.
In the immediate aftermath of sustaining fire damage, property owners suddenly find themselves dealing with firefighters, emergency vendors, restoration companies, temporary housing issues, documentation concerns, insurance representatives, and major financial decisions all at the same time.
Call us now at 212-295-5835 or click/tap the button to schedule a FREE Claim Review & Strategy Session with a Public Adjuster to get started.
Common Mistakes Policyholders Make After Sustaining Fire Damage
Assuming their Insurance Company is on their Side
After sustaining Fire Damage, the insurance company will hire an adjuster to represent their interests in the claims process (not yours).
Understand – your insurance company is not on your side here. Their representatives may seem nice and friendly, but they are really wolves in sheep’s clothing waiting for you to do or say the wrong thing so they can deny part or all of your claim.
The claims process is a trial against you, and your insurance company is the prosecution. They have an infinite amount of time and an infinite amount of money to use against you, and they will. Their business is to pay you the least amount possible for your claim, and they will do everything in their power to achieve that objective.
Signing their Entire Claim Away to a Cleanup Company
From our experience, many of the policyholders who sign over their entire claim to a cleanup company come to regret it later. Cleanup companies have different interests than the policyholder. Simply put, the cleanup company’s objective is to make maximize the value that they capture for their services. Many cleanup companies frankly view your insurance policy as an open checkbook. How does this affect your claim? For example, a cleanup company will typically push you to clean personal property items that should truly be replaced because cleaning is a high-margin service for them. For the policyholder, this could be the difference between receiving a $20k settlement check for damaged personal property or a $200,000 check. Unfortunately, the policyholder often doesn’t realize it until it’s too late or never at all.
Hiring a Public Adjuster without doing Due Diligence
Too often policyholders agree to work with a solo Public Adjuster who shows up outside of their home or business after a fire without doing their proper due diligence.
A Solo Public Adjuster is better than going it alone. However, policyholders should realize that they don’t need just *a* Public Adjuster. They need a Public Adjuster *firm* with a team of Public Adjusters to handle the various aspects of the claim and move it forward expeditiously.
It’s useful to think about the claims process as if it were a trial. If you were on trial with one chance, with your life on the line, would you choose *an attorney* or would you choose a firm with *a team* of attorneys to represent you?
You would choose a firm with a team, of course.
The same applies to your claim. You have hundreds of thousands of dollars (perhaps millions) at stake and you have one chance at the claims process.
Your claim requires the sustained effort of a full-time team of Public Adjusters for you to get the coverage you deserve.
Need Help With A Fire Damage Claim?
Call us now at 212-295-5835 or click/tap the button to schedule a FREE Claim Review & Strategy Session with a Public Adjuster to get started.
Fire Claims We've Settled
With our team approach, we have achieved results for our clients that other Public Adjusters could only dream of.
$1,234,034
Washington Heights, New York
4th floor kitchen fire.
$2,534,003
Middletown, Connecticut
Accidental fire caused by a discarded lit cigarette on an exterior deck.
$543,342
Plainview, New York
Electrical fire caused by faulty wiring.
Ready for your Claim Concierge Call?
Call us now at 212-295-5835 or click/tap the button to schedule a FREE Claim Review & Strategy Session with a Public Adjuster to get started.
What Our Clients Are Saying
“They know the ins and outs of what an insurance company owes to their insured and that knowledge was able to help us secure far more coverage than we would have been able to ourselves, which far exceeded the investment in working with them. Manhattan Public Adjusters should be your first call after any loss. TEN STARS!!”
-Hillary Sloan
Brooklyn, New York
“…Their expertise, combined with the skilled dedication of the entire team, transformed our insurance claim experience from overwhelming and frustrating to incredibly successful…”
-Chris Gunn
Washington Heights, New York, NY
“Incredible levels of service and honesty. They stay engaged after all payments have been made.”
-Eric Weisberg
Midtown, New York, NY
“I worked with Jennifer K on a very complicated matter–significant water damage throughout an entire historic townhouse–that I came into midway through the process. It was like finding a port in the storm when I took over the work to meet Jennifer… I truly don’t know how I could have gotten all of this done without her, and as difficult as this work was, it was always a pleasure to speak with her. I recommend Jennifer and Manhattan Public Adjustment very very highly.”
-Terence Dougherty
Gramercy Park, New York, NY
“…Great establishment to team with on fire insurance claims. They provide step by step guidance throughout the process and ensured that we received the funds necessary to rebuild…”
-Jamaal Watkins
East New York, Brooklyn, NY
“…We had an outstanding experience with Manhattan Public Adjustment. Their team’s professionalism and experience stood out throughout the entire insurance process. Clear communication, attention to detail, and impressive results make them our top recommendation for anyone navigating insurance complexities….”
-Maya Stepniarek
SoHo, New York, NY
“…My neighbor had a house fire which damaged the left side of my home. Manhattan Public Adjustment, came to my home and helped my family in the most stressful time in our lives. We didn’t have to do anything. They worked behind the scenes and fought the insurance company for the worth of the fire damage and delivered. I highly recommend this company. They are very professional, and caring and trustworthy…”
-Jessica Cannady
Flatbush, Brooklyn, NY
“…Pipe broke in the crawl space and the whole end of the house needed to be gutted. Been in construction for seven months and this company has been with us every step of the way. Been getting steady reimbursements as the project progressed for all expenses. They showed up immediately and are handling everything smoothly. What a great experience from an awful experience, well worth it!”
-Tracy Gardell
Montauk, NY
“When the unthinkable happened and the hot water baseboard heat malfunctioned flooding our home of 33 years, our insurance company was anything but helpful. My husband and I were a thousand miles away, where he was undergoing chemotherapy and too ill to return to our flooded home. Jennifer was very helpful, assisting us, answering our questions, and most importantly challenging the insurance company.”
-Ginny Nuffer
Olean, NY
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On the roughly 45-minute call, we’ll review your damages, coverages, and claim goals, and create a personalized strategy to help you get paid the maximum settlement, expedite your recovery, and navigate the claims process successfully.
Click the button or call 212-540-4150 to schedule a FREE Claim Review & Strategy Session with a Public Adjuster now.