It’s best for people to engage with us when the property loss occurs. Claims occurring from fire, wind, water, theft, hail etc. We help them report the claim and take care of all the necessary duties according to the contract from there.
A few ways to think about it is, if you are called to the IRS for an audit you would take an accountant with you to represent your interests. Why deal with a professional insurance adjuster without your own professional licensed adjuster to represent you and your interests.
The reason its best to engage us at the very beginning of the process is as in other situations, “anything you say can and will be used against you”. To prevent any problems like this from occurring, its best to engage us at the beginning. I think this answers your question about “should I wait until a problem occurs”.
Additionally part of our job is to maximize the recovery from the insurance company. To leave no stone unturned and peruse policy to make sure policyholders are claiming all coverages that they have paid for that apply to each particular claim.
Our 28 + successful years of experience handling claims into the millions of dollars ensure thorough and complete handling of each claim.
We are paid a small percentage of the settlement, no higher than 10%. AND as the claims get higher the percentage can go down and is negotiable. (a $1,000,000 claim, we would not be taking 10%). The insured pays our fee not the insurance company (though it comes out of the proceeds). The knowledge we have of policies and the gain the insured receives helps cover this cost and provides additional monies.
People/Companies don’t generally know what’s in their policy or understand them, therefore don’t realize what they are entitled to. This is where our knowledge and experience assist. Additionally, when property claims occur, it is an extremely stressful situation. Adding to this stress is dealing with the insurance company and their adjusters, since they want to pay out as little as possible for claims. Why handle this stress on your own, and try to navigate policies and professional adjusters. We have been there done that and know how to do it the quickest best way to maximize the return.
AJR Public Adjusters 602-795-5227