Our Process
At Allclaims, we ensure the expertise while handling any claim set before us. Our experts carefully analyze each claim and fully instruct the insured of the proper approach to remedy the property loss.
How Does The Public Adjusting Process Work?
Our job is to make sure that you, the policyholder, are accurately compensated based on the extent of the loss.
Step 1
Loss Occurs
All insurance claims begin when a “covered peril” damages your property. Typically these events are sudden and accidental. Common examples include wind & hail storms, fires, water intrusions, pipe bursts, tornadoes, and more.
Step 2
Get A Public Adjuster Involved + File A Claim With Your Insurance Company
You do not need a public adjuster to file a claim. But, it is always best to have your own adjuster from the very start. Public adjusters can help you investigate the claim and determine if it is worth filing an insurance claim. If so, they can work with your insurance company to arrange an inspection. Public adjusters are licensed by the state to adjust and negotiate insurance claims on behalf of policyholders. We can handle every aspect of the claim from start to finish to save you time, headaches, and to get you more compensation.
Step 3
Insurance Adjuster Inspects The Damage
Typically, insurance companies send out their own adjuster to determine if the loss should be covered by your policy. They will inspect the property, take pictures, and determine how much (if any) coverage applies for your property. If you have a public adjuster, they will usually want to meet with your insurance adjuster at the inspection. However, don’t worry if you file the claim by yourself and the insurance adjuster has already visited your property. You can still employ the services of a licensed public adjuster to help with your claim!
Step 4
Insurance Companies Determine Coverage And Issue An Estimate For The Damages
After the inspection, insurance companies will issue a formal statement approving or denying your claim. If the claim is fully or partially approved, they will give you an estimate for precisely what they think the damage is worth.
Step 5
Negotiation
Insurance companies often underbid damages. If you have a public adjuster, they will intervene to make sure that you get the full monetary value of what you are owed by negotiating directly with the insurance adjuster on your behalf.
Step 6
Payment
Once a final agreement is reached, the insurance company issued a payment to the homeowner and the public adjuster for damages. Typically, insurance companies do not pay the full amount at the beginning. Rather, they give you some money to get work started and then release the remaining funds (called “depreciation”) when the repair work is completed.
Our job is to make sure that you, the policyholder, are accurately compensated based on the extent of the loss.
Rest assured that Allclaims Pro will take care of you.