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Allclaims Pro – Springfield Public Adjusters
When disaster strikes your property, the public adjuster should be almost the first person you call. Unfortunately, few people even know how a public insurance adjuster can help them. We tend to assume that, after all the payments we’ve made to our insurance companies, they’ll be willing to fully help us when we need it.
Unfortunately, insurance companies have every incentive to pay you less than you deserve.
To help you navigate the claims process, you need an experienced insurance professional who DOES have your best interests at heart. At Allclaims Pro, our Springfield public adjusters typically work on a contingency basis – so we have every incentive to make sure you’re paid in full.
Our Claims Process: How It Works
Step 1: Contact Allclaims Pro
If you have property damage and need to file a claim, start by contacting Allclaims Pro. Tell us about your property damage and losses and be sure to have property documentation on your policy and information (photos, estimates, etc.) detailing the specific areas of damage.
Step 2: Review Your Policy
Next, our experts will analyze your property damage, insurance policy, and other relevant documentation to determine the best course of action for filing your claim.
Step 3: Find a Solution
After reviewing your policy assessing your property damage, our Virginia public adjuster team will help you find the best solution and work with your insurance provider, and help you every step of the way to file your claim.
Virginia Public Adjuster Fees
Depending on the claim, Allclaims Pro typically works on a contingency basis.
In other words, we collect a service fee if we are able to obtain a settlement for the policyholder. If we are successful in achieving a settlement from the insurance carrier, Allclaims receives a percentage of that settlement.
Because each claim is different (i.e. the type of peril involved, residential or commercial property, the scope of work involved, etc.), the percentage can vary from claim to claim.
To learn more about our fee, you are welcome to contact us to discuss your claim in further detail, and we will be happy to provide a free consultation.
As a Virginia public adjuster, what kinds of claims does Allclaims Pro specialize in?
We specialize storm-related damages: hail, wind, tornado, fire, and water. We also deal with vandalism and theft claims. With numerous public adjusters in various areas of expertise, there aren’t many claims we don’t have experience handling.
Even if we encounter a new type of claim, we are able to get expert opinions on how to handle it.
What makes you different from other public adjusters in Virginia?
Many public adjusters operate like a one-man band and try and run the entire process themselves. At AllClaims Pro, we have individual public adjusters that specialize in certain fields of work.
Some of our public adjusters specialize in storm damage and have personally been on thousands of roof and properties inspecting for storm-related damages.
We also have other public adjusters that focus on fire and water, and others who are mainly inside public adjusters.
At AllClaims Pro, we break things down and create somewhat of an assembly line. When a claim is being processed, we make sure that each area of expertise is being dealt with by an expert in that field. With several licensed public adjusters in the state, we always have someone to bounce ideas off of and navigate through the claims process.
What are some of the things that you like about being a public adjuster in Virginia?
When Allclaims Pro started in Virginia public adjusting was a relatively new concept in this state. Even with such high populations in Northern Virginia, many people were not sure what a public adjuster is or does.
But, unfortunately, there were still many property owners struggling with insurance claims and getting the proper financial settlement didn’t have the means to access help. With such a high density of people without the right resources or knowledge of public adjusters, we knew that there were a lot of people in Virginia that our team could help.
Several of our team members are from Virginia and appreciate Virginia’s history and old historical buildings. The Southern-style buildings that we have here are engaging to work with during a claim. By making sure that homeowners receive proper financial settlements, we help ensure that these buildings are preserved and keep their structural and historical beauty.
Frequently Asked Questions about Public Adjusting in Virginia
Are there local laws and/or regulations relevant to public adjusting in Virginia?
Public adjusting is a very regulated industry and there is a list of regulations that we are required to follow. The most important of these is licensing. Public adjusters are required to be licensed by the state.
Virginia isn’t a highly litigated state, so there are not a lot of court cases that we can turn to as far as the claims process goes. While the state is actively working to create more laws and make it more regulated, the insurance claims process is often abused by the insurance companies. This is due to the fact that they don’t have situations that pertain to this state regarding how insurance companies need to follow their claims or the claims process.
As licensed public adjusters in the state of Virginia, we have the ability to make a difference. Sometimes, when there are claims we can’t get settled, they need to go for an appraisal or litigation. As a firm, if we believe that’s a warranted response, we have the ability to make it happen; pushing claims further so there will eventually be litigated court cases the state can follow. In other states, such as Texas, Colorado, Florida, pretty much everything has been litigated.
Unfortunately, Virginia doesn’t have these laws and regulations in place yet, but is actively trying to get there. It’s nice to be a part of that and help shape the way claims are handled and make sure that the consumer, or the insured, is always getting what they deserve and aren’t being taken advantage of.
How do I look up a Virginia public adjuster’s licensing?
Although people rarely ask to see our license, especially homeowners, we are happy to send a copy of our state issued license. We can also provide our license number, and you're welcome to call the SCC to verify that we are licensed.
Are there any local resources in Virginia that someone seeking the help of a public adjuster would find useful?
Since we specialize in storm-related damage, we know many reputable contractors in Northern Virginia and the Shenandoah Valley that are extremely experienced in those fields (hail, wind, tornado, fire, water).
The contractors we work with are fair and honest, and understand the need for public adjusting. Most times, they will even come out for free to assess the damage and see if it is worth filing an insurance claim.
Are there resources that a property owner in Virginia is going to need to file an insurance claim?
It's important for homeowners to always be prepared for the possibility of an insurance claim. Many homeowners or policyholders often don't think about it until it's too late and something's happened.
Here are a few things that we recommend that all policyholders do:
1. Keep access to your insurance policy.
In order to file a claim, you'll need to know your policy number and deductible amount. If you'd like a public adjuster to check the endorsements and any coverage you may have, it's always best to have a copy of your policy.
2. Take (or find) pictures of your house or property once a year.
That way, you have documentation of what was in your house and how your house was set up, in case of property damage (fire, water leak, etc.).
3. Take photos of the current damage before your repair anything.
If your home is in need of immediate repairs, it's essential that you take as many pictures as possible of the damage. Time stamped photos of the property, prior to any work being done, are essential.
4. Be sure to avoid any permanent repairs before filing your insurance claim and keep receipts for any temporary solutions.
This way, when the insurance company comes out to evaluate the damage, they'll be able to reimburse you for any fees or expenses you many have incurred while temporarily keeping your property in working capacity. This could include hiring a professional tarping company to cover your roof if the shingles are missing, stopping a leak, fixing a burst pipe, or any other temporary remedies to protect your home from further damage.
Are there any websites that you know of that are helpful in explaining the public adjusting process?
Our website has lots of helpful information. We're constantly working to keep our marketing and educational materials informative and relevant, to help guide you through the claims process. We're also happy to assist you over the phone, view photos of your property, or provide an onsite assessment.
Are there any resources that someone seeking help with a storm-related claim might find useful?
There are many helpful blogs written by local contractors that can serve as helpful guides with storm-related claims. Our website also has many helpful resources and blog posts, related to storm-damage insurance claims.
Often out-of-state contractors will travel to other areas in the aftermath of a storm. You want to find a reputable contractor that's established, has good reviews, and is locally based to evaluate any storm damage.
Frequently Asked Questions about Public Adjusting in General
Can I hire my own insurance adjuster?
Yes; the short answer is yes. Many people don't realize, however, that they actually can have representation on their side of things. Insurance claims are very one-sided, especially if you leave it solely up to the insurance carrier to decide how much money you receive for a claim.
Most states have created the position of a public adjuster, that is, a licensed insurance adjuster who represents you, the public. Our job is to make sure you get a fair settlement and everything that you're owed when filing an insurance claim.
What is the purpose of hiring a public adjuster?
If you pay your insurance company a monthly premium and when you file an insurance claim, they send someone from their company out to decide how much money they're going to give you, it seems a little one-sided. It also opens the door to bias when dealing with an insurance claim. Having somebody that is working on your side and has your best interest at heart is the purpose of hiring a public adjuster.
How do I choose a public adjuster?
The best way to choose a public adjuster is to find someone with the requisite skills and experience to handle your type of claim. It's important that your public adjuster has the competence, proper education (for instance any relevant certifications in roofing or restoration), and experience to handle all sides of your insurance claim.
Allclaims Pro checks all of these boxes.
Additionally, it is always helpful to read their reviews online. Depending on the area of the country you're in, certain public adjusters will handle varying types or amounts of claims. It's best to see how long they've been in business for, what their reviews are, and their experience in handling the specific type of claim that you have. It's very important to vet a public adjuster just like you would any other professional service. You want to make sure that they know what they're doing and have experience in that field of work.
What is the difference between a public adjuster and an independent insurance adjuster?
On the other hand, a public adjuster doesn't work for the insurance companies. Unlike an independent adjuster, they don't represent nor do they get paid by the insurance companies. Public adjusters collect their payment on the back-end, from the settlement they get the homeowner or insured.
Can a public adjuster work for a contractor?
How does a public adjuster get paid?
How much does a public adjuster charge?
It's hard to say how much each specific firm charges, but we typically charge between 10 & 20%, depending on the situation of the claim.