What You Need To Know Before You File a Fire or Water Damage Claim

Dear Policyholder:

Has fire or water recently caused major damage to your home or business?

If so, you’re in the right place because I wrote this letter specifically for you.

Now, I know that there’s a lot going on, but I wrote this letter to empower you with the information you need to make the necessary decisions immediately after the damage happens… so you can prevent a future financial disaster in the claims process due to mistakes you make TODAY.

Too many people in your situation aren’t fortunate enough to have the knowledge that I’m about to share with you.

Whistleblowers recently revealed on 60 Minutes that insurance companies are deliberately underpaying large loss claims like yours by as much as 98 percent…

Which means that Insurance Companies are still using the same playbook of deceptive tactics that they used after Superstorm Sandy to avoid paying policyholders like you millions (if not billions) for their legitimate claims.

So before you file your claim… 

If you get nothing else from this letter – 

There are 3 things that you MUST know before you talk to your insurance company.

First –

After a loss, there are two parties – the policyholder (you) and your insurance company. 

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. 

They are 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, you see.

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 their business is to pay you the least amount possible for your claim… 

And, believe me, they will do everything in their power to achieve that objective.

Do you see what I’m saying here?

Second –

Regardless of how warm and friendly the insurance company’s commercials are…

You have a cold, hard contractual obligation under your insurance policy to protect your property from further damage and to preserve the scene until your insurance company can inspect it. 

This means you must board up any broken windows and doors, tarp any holes in the roof, remove any standing water from inside the property, and not disturb the scene or dispose of damaged items.

Now, your insurance company will try to force you to use their vendors for these services. Don’t fall for it! 

If you use their vendors, you will only get paid a small fraction of what you’re truly entitled to because they will be looking out for your insurance comnpany’s interests, not yours.

And this is just the tip of the proverbial iceberg.

Are you following me?

Third –

The burden of proof is on you to document, prepare, and present your claim to your insurance company.

This means you are responsible for understanding your policy, you are responsible for understanding its coverages and how they work, and you are responsible for preparing, presenting, managing, negotiating, and settling your claim, which means *you* are responsible for determining how much money you are entitled to collect.

Which begs the question:

How can you know all of this if you’re not a claims professional?

The answer:

You can’t.

Now. I know that this is a LOT… (and it’s probably not what you want to hear right now) but my firm, Manhattan Public Adjustment, can help you with all of this AND MORE.

Continue reading to learn more.

Introducing The Claim Concierge

At Manhattan Public Adjustment, we are Public Adjusters, which means we are licensed insurance professionals who work for the policyholder to document, prepare, present, manage, and negotiate their claims.

Insurance companies have Insurance Adjusters who represent their interests.

Policyholders, like you, have Public Adjusters, like us, to represent your interests. 

And our firm has a truly one-of-a-kind white glove Public Adjuster service that is completely different than other Public Adjusters. 

While other Public Adjusters work solo, our firm works as a team. Our clients get a dedicated Public Adjuster as their Claims Manager to handle all communication, BUT they also get a licensed Public Adjuster to handle each aspect of their claim as well.

Working in this fashion helps us accelerate the claims process for our clients, which helps them achieve faster and larger outcomes.

Our Public Adjuster service is called The Claim Concierge.

It is designed specifically for major fire and water damage losses and has helped our clients achieve results that other Public Adjusters could only dream of.

The Claim Concierge.

Service.

Process.

Team.

Integrity.

It truly is the gold standard for Public Adjuster service.

A Superstar Team

My name is McKinley McNair, and I am the Founder and CEO here at Manhattan Public Adjustment. 

I’ve been involved with over $300 million worth of losses since 2018 and I founded this company on one thing above all: putting the client first. Prior to starting Manhattan Public Adjustment, I founded Empire Estimators, which is a leading restoration estimating firm in the United States.

Each of our team members is a member of the American Association of Public Insurance Adjusters (A.A.P.I.A.) and one of our Executive Public Adjusters, Jennifer Kosiba, is the New York State Legislative Director for the organization.

Our team holds leading industry certifications in Fire and Water Damage Restoration from the Institute of Inspection Cleaning and Restoration (I.I.C.R.C.), Lead Certification from the E.P.A., Certified Property Insurance Appraisal (C.P.I.A.) from the Insurance Appraisal and Umpire Association, Xactimate Certification from Xactware, and more.

We’re licensed and bonded in New York, New Jersey, Connecticut, Florida, North Carolina, and more.

You can learn more about our team, including selected biographies on the team page.

The #1 Rated Public Adjuster Firm in Manhattan

As far as my company, Manhattan Public Adjustment, since starting in just 2018, it’s rapidly become the #1 rated Public Adjuster firm in Manhattan (with over 75 5-Star Reviews).  In addition, we are the only Public Adjuster firm in New York that specializes specifically in major residential fire damage claims and we proudly service all of New York, New Jersey and Connecticut.

We’re also active members of the American Associate of Public Insurance Adjusters (A.A.P.I.A.).

The Claim Concierge, our proprietary process, The Manhattan Method, our  team of Public Adjusters, and our company’s commitment to integrity truly differtiate us from the competition. With this foundation, we’re looking to build a company that will succeed through the ages.

Your Options

Now, if you have major fire or water damage at your home or business, right now, you realistically have two options:

Option 1

You can go through the claims process the hard way, which is like going up to a 4-digit lock and trying to guess the code on your first try.

You can try to crack the code yourself (or with a solo Public Adjuster) and who knows maybe you will get lucky (but honestly you won’t).

Or.

Option 2

You can choose the easy way and the smart way and retain a specialist – a Public Adjuster firm with a team of experts, proven service and proven process to unlock it for you and help you achieve the results that you’re looking for.

Well, that’s exactly what we do every day for our clients.

How To Get Started

If this interests you, go ahead and follow the instructions on your screen to schedule your Free Claim Review & Strategy Session with one of our Public Adjusters to discuss what happened, your damages, claim goals, and how we can help you achieve them.

At the end of the call, 1 of 2 things will happen — you’ll either be a fit and we will extend an invitation to work with us as one of our clients, or if it’s not a good fit that’s totally O.K. too.

With that being said please understand that time is of the essence with all matters related to property damage claims, so if this interests you then schedule your call with one of Public Adjusters now before your window of opportunity closes.

Yours truly,

McKinley McNair
Founder & CEO
212-295-5831