Residential Claims

Once an insurance claim event happens to your property, you will be faced with a mountain of decisions that must be made.

Examples of types of residential claims:

  • Collapse, Decay, & Vibration
  • Explosion
  • Fire & Smoke
  • Hail Damage
  • Hurricane & Wind Damage
  • Lightning
  • Power Outage
  • Plumbing Leaks
  • Roof Damage
  • Sinkholes
  • Theft
  • Tornado Damage
  • Vandalism
  • Water & Flood Damage

Ask yourself these questions to determine if you need help with your damage claim:

  • Do you have time to deal with the insurance company, their demands and adjusters?
  • Do you understand all the complex details in your insurance policy?
  • Do you have the experience to file an insurance claim?
  • Did you know that the burden of proof is yours including inventory appraisals and real estate evaluations required?

  • Is the carrier offering a quick settlement that seems to be inadequate?
  • Did your adjuster say, “Your claim did not meet your deductible.”?
  • Did your adjuster say, “There are not enough hail hits to warrant roof replacement.”?
  • Did your adjuster say, “Your claim is denied.”?
  • Are you being discouraged from hiring a Public adjuster by the carrier’s adjuster?
  • Was the adjuster quick to respond and now impossible to find?

What your Empire Public Adjuster will do for you:

  • explain the process
  • gather and document evidence required for the loss
  • acquire necessary reports
  • prepared detailed inventories, loss estimates and detail replacement costs
  • file property forms
  • determine the actual cash value and replacement cost of the loss
  • handle meetings – prepare presentations, provide expert testimony – emails and phone calls
  • ethically negotiate the maximum compensation based on policy
  • recover fast and fair settlements — settlements average 2-3 times more than the insurance company’s offer — and you don’t pay Empire Public Adjusters until after you receive your money.