Frequently Asks Questions
Pipe Break Insurance Settlement Under Value! Next Steps! NH, CT, MA, VT, RI Public Adjuster
Many who were impacted by the freezing temperatures in the Northeast recently, filed insurance claims and will be getting back settlement offers that are under value for the cost of the insurance loss.
"Your insurance company hires professionals to work for them, you need the same thing. We work only for you! Not the insurance company. When Pipe Break Insurance Settlement is Under Value, it can be solved... but do act fast!" Marc Lancaric - Public Adjuster & President of Global Patriot Adjusters, LLC.
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Your Insurance Company Will Tell You to be Patient - We Disagree
Your Insurance Carrier's Adjuster that comes to see you after the claim will often tell you to be patient. It's important understand that when you are in the middle of of an insurance loss some time will transpire while getting everything in order to get you back in your property. At the same time it is important understand that many of the delays that your insurance carrier may put you through are not necessarily are proper. Your Insurance Carrier Will often Say “We are not here to deny coverage, we are here to find coverage.” It is somewhat more fair to say, the Adjuster provided by your Carrier provided is working to please the insurance carrier first, not you.
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Handling Every Aspect Of Your Claim With Your Best Interest At Heart - Public Adjuster
Global Patriot Adjusters, LLC. Licensed Public Adjuster for Residential & Commercial Claims: NC, FL, NH, MA, CT, RI, VT, ME, NY, LA, GA 1-800-654-3041
"Handling Every Aspect Of Your Claim With Your Best Interest At Heart" is just a statement without the story behind our company and mindset. Our mission was formed before we took the first claim. Our mission is at the bottom of every e-mail me compose. It is the first thing we teach our staff and Public Adjusters;
"Global Patriot Adjusters LLC is a company birthed and built on the single goal of fanatically bringing every dollar deserved to clients from an insurance claim. We maintain the best reputation in the public adjuster business because we take every claim for every client as a project with personal ownership and accountability."
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Handling Every Aspect Of Your Claim With Your Best Interest At Heart - Public Adjuster
"Handling Every Aspect Of Your Claim With Your Best Interest At Heart" is just a statement without the story behind our company and mindset. Our mission was formed before we took the first claim. Our mission is at the bottom of every e-mail me compose. It is the first thing we teach our staff and Public Adjusters;
"Global Patriot Adjusters LLC is a company birthed and built on the single goal of fanatically bringing every dollar deserved to clients from an insurance claim. We maintain the best reputation in the public adjuster business because we take every claim for every client as a project with personal ownership and accountability."
Read more.
Vandalism Insurance Claims - Public Adjuster NH, CT, RI, MA, ME, NY
“The Insurance Carriers often seem deaf to the results of Vandalism. When we file Vandalism Insurance Claims we backstop the claim with details and follow-up with strategies we have sharpened over hundreds of Vandalism Insurance Claims. On Vandalism Insurance Claims, you truly need a Public Adjuster.” Marc Lancaric – Public Adjuster & President of Global Patriot Adjusters, LLC.
There is little that can make a home or business owner feel worse than when vandals seeking some sick joy of damaging your property, or theft of the metals that are part of running your heat and power. For a host of reasons, the winter seems to bring a pronounced increase in Vandalism Insurance Claims.
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Maximizing the Size of Your Insurance Claim -
Maximizing the size of your insurance claim may mean properly valuing or discovering the depth of the actual damage.
"Maximizing the size of your insurance claim is more of a science project than anything else. We prove facts, and present them in a way the Insurance company will understand." - Marc Lancaric - Public Adjuster, President of Global Patriot Adjusters, LLC
Yesterday we met with an insurance adjuster for a larger insurance claim. The adjuster sized the claim at $23,500. We validated our estimate at $41,000 and settled the claim. That defines Maximizing the Size of Your Insurance Claim.
Earlier in the week were working on a Pipe Break claim. The Owner thought the claim was going to cost about $43,000 to repair due to a contractor visiting the property who "eye-balled" the estimated cost. We produced a line by line estimate of the damage to the property to justify the entire claim. The actual claim value was $91,5000.
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Insurance Policy Review -New Years Resolution
We encourage owners to have an insurance policy review bi-annually to assure conditions do not change that could cost at the time of insurance covered damage.
Talk to your insurance broker and ask for an insurance policy review to include:
Do I have enough coverage on my building for all potential perils?
Do I have enough coverage for my contents?
Do I have enough coverage for loss of use or additional living expenses if I must be away from the property?
Can I get a reduction in my cost of insurance by doing something with my home, windows, structural, or security system?
How much does the maximum for sewer backup coverage?
Check your deductibles, make certain they are not so high you cannot afford them.
Make certain all the buildings on your property are covered.
Make certain you are covered for specific high value items in your home; Antiques, Fine Art, Jewelry, etc.
This entire process will not take long, and will assure you that a loss at your home or business does not become a loss to you personally. Insurance carriers deny claims, Global Patriot Adjusters, as your Public Adjuster fights these denials with great success. Our ability to settle insurance claims is enhanced when overages are appropriate for the eventual loss situation.
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Ice Dam Insurance Claims - Public Adjuster
Global Patriot Adjusters, LLC handles hundreds of Ice Dam Insurance Claims every year. These are some of the most tedious claims to prove out because the damage is often layers deep in the roofing then building structure. We have handle most of these claims in North Carolina, Florida, New Hampshire, Massachusetts, Connecticut, Rhode Island, Vermont, Maine, and New York
Marc Lancaric - Public Adjuster says "Insurance Companies Deny Ice Dam Claims with a bunch of excuses we have learned to overcome!"
Ice dams on roofs form when accumulated snow on a sloping roof melts and flows down the roof, under the insulating blanket of snow, until it reaches below freezing temperature air, typically at the eaves. When the melt water reaches the freezing air, ice accumulates, forming a dam, and snow that melts later cannot drain properly through the dam.
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Marc Lancaric - Public Adjuster TERMINATED INSURANCE CLAIM DELAYS
Insurance claim delays for clients he represents this month.
It was another powerful month of claims and resolutions for Global Patriot Adjusters, LLC & Marc Lancaric - Public Adjuster & President. We say around the office - that we "Terminated the delays" the "troubles," and the general problems associated with insurance claims. We call Marc Lancaric the "Terminator" for good reason. Any Large Public Adjusting firm needs a leader to set the standard, we are proud that again we have:
TERMINATED the view of Insurance Adjusters by calling in contractors to give a third-party view of the claim and provide a proper scope.
TERMINATED the delays owners were having getting payouts for contents and advances.
TERMINATED delays in getting overhead & profit payments to insurance holders.
TERMINATED the lack of assistance the insurance carrier office was providing.
Terminated the contact the owners faced with the insurance adjuster, let the Public Adjuster speak on your behalf
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Smoke Damage Insurance Claims
Smoke Damage Insurance Claims Why You May Need a Public Adjuster
Marc Lancaric, public adjuster, was at a New Hampshire apartment building where a fire had occurred recently. The owner explained that the insurance carrier had said, “We won't be covering smoke damage beyond the neighboring apartment, this just wasn't much more than a kitchen fire.”
Marc Lancaric, now the owner's Public Adjuster responded “This is a smoke damage insurance claim as much as a fire claim, as per the policy, the insurance carrier is responsible to properly investigate and pay for actual damages, including smoke contamination throughout a property.”
Insurance carriers will commonly quickly dismiss the smoke damage caused by even a small fire in homes and businesses. Smoke is one of the strongest and penetrating in insurance losses. Smoke smell can overtake neighboring rooms, attics, basements, and wall cavities which span a building.
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Interview: Marc Lancaric, Public Adjuster & President of Global Patriot Adjusters
What States do you operate in?
I work in North Carolina, New Hampshire, Massachusetts, Rhode Island, Vermont, Maine, Connecticut, New York, Louisiana, Georgia, Florida.
What prompted me to be a public adjuster?
In 2009 we had a claim at our house and I could not believe how we were handled by our insurance company. That is when I started looking for help and found a public adjuster to help us through the process. After taking with our public adjuster She explained to me that through the experience of my background in construction this would be a perfect fit for me.
Why do Residential and Commercial property owners contact you for public adjusting services?
We are contacted by those clients as they find out fast that an insurance claim is a full-time job. The complexity of a claim is a process that you don’t want to undertake on your own. We make the life of the Insured a lots less stressful through our approach.
We get the client back to pre-loss condition faster.
How long does the process usually take?
That is a great question. There is no true answer to that question as it depends on the complexity of the loss. It can take a couple of weeks to a couple of months.
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Advance: Getting a Good Advance on Your Insurance Claim
What is an advance? An advance is an early release of funds before the claim is fully settled.
When Global Patriot Adjusters takes on your claim, the first thing we do is looking to getting you anadvance on the cost of putting your property back together.
We have many tools in our trade that allow us to make sure monies for your claim come in more quickly.
“We will first look to getting an advance for part of the cost of repairs on your claim. At the same time we will look to file your contents claim for any damaged contents right away. We like to see both of these checks arrived for you within the first 30 days of working with you.”
— Marc Lancaric, Public Adjuster & President, Global Patriot Adjusters
Getting an advance on your insurance claim is very important to getting things moving quickly. There often issues that slightly delay the finalization of a scope. With advances we can mitigate this problem and keep the process moving forward.
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Insurance Companies Stacking The Deck Against You - Public Adjuster
Your insurance company uses professional adjusters to protect their interests – you should have the same or better on your side. As a Public Adjuster, Global Patriot Adjusters, LLC. only represents your interests in collecting a fair amount for the damage of your property.
Your insurance company hires an Independent Adjuster (IA)
The IA represents the insurance carrier only by reporting the size of your claim. This Adjuster is generally paid by the size of your claim. He/She will tell you, there is no reason for the Insurance Adjuster to limit the amount of your claim, especially since his/her income derives from this amount. On the face, this seems logical.
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Hiring a Public Adjuster Right After Damage Occurs! Why?
“The biggest mistake a homeowner or commercial property owner makes is not hiring a public adjuster right after the damage occurs.”
— Marc Lancaric, Public Adjuster and President of Global Patriot Adjusters
Hiring us right away will:
Avoid the Pitfalls of going it alone.
Generally get you a better Settlement
Reduce the headache and stress of dealing with the insurance carrier.
We are only paid our percentage of the claim for the dollars we collect for the property owner/insured
