Feasterville-Trevose, PA -- (ReleaseWire) -- 01/02/2019 -- Chimneys are not easily maintained features for a house. If not maintained properly they can cause house fires and endanger the home through cracks and instability. Historic homes in Philadelphia, Bucks County, and Montgomery County are susceptible to damage from fires and structural instability due to age.

Most Common Problems for a Chimney

Many problems can befall a chimney. A chimney should be inspected for any of the following problems.

Obstruction – Obstruction of a chimney can be caused by several factors. These include insufficient height for the chimney, negative air pressure in the home, leaves, soot, creosote, and bird nests. Blockage can cause toxic fumes to accumulate and become trapped within the home potentially leading to carbon monoxide poisoning and even death.

Creosote Buildup – Smoke from wood burning fireplaces goes up the chimney and deposits Creosote in the flue lining. These deposits are highly flammable. Thousands of fires occur each year due to dirty chimneys. Homeowners should have their chimneys cleaned regularly based on how much they use their fireplace.

Brickwork Problems – Chimneys have the ability to lean, crumble and even collapse due to neglect. Homeowners should make sure that no water is getting into the chimney system. Water can destroy the mortar and even the brickwork of a chimney causing the chimney to deteriorate and potentially cause other problems. Making repairs to a chimney costs a lot less than replacing a whole chimney.

Chimney Crown and Cap – If a chimney crown becomes cracked it should be fixed immediately so that moisture does not enter it and further endanger the stability of the chimney. Moisture is the biggest cause of chimney failures as it can cause damage to the masonry, lining, firebox, damper, ceilings, walls, and more inside of the home. Chimney caps help prevent moisture, leaves, and animals from getting inside of the chimney system, however, sometimes they too need replaced.

Cracks in the Flue – Chimney linings are important. However, they are under a lot of stress due to heat and flammable deposits. Moisture and creosote deposits can cause the lining to deteriorate and cause more problems. If the lining is broken, deteriorated or cracked then it should be replaced immediately as it protects the house from catching fire. Homeowners should get their chimney linings inspected for cracks regularly depending on usage.

Chimney Inspections

Chimneys, like a roof, needs to be inspected regularly to find any of the above problems. There are three levels of inspection.

Level One – This is the most common and basic inspection. This inspection is recommended if your usage and appearance of the chimney has not changed since the last inspection. A certified technician should inspect the exterior or interior of the chimney, as well as the connection. The technician should also make sure that there are no obstructions and that the chimney is free of combustible material.

Level Two – This inspection is required if any changes have been made to the chimney, fireplace, or usage has changed since the last inspection. Level two inspections are also required when the home changes hands or when if the structural integrity of the chimney is compromised. This inspection should include everything from a level one inspection plus an inspection of all accessible portions of the chimney. Also, a video scan should be done to see the inside of the chimney.

Level Three – Level Three inspections are only required when a serious hazard is suspected. This inspection should include everything from the above level inspections along with some demolition if needed.

It should be noted that only a certified technician should be inspecting or repairing a chimney. Repairs should be completed as soon as the problem is identified so that further damage does not occur. Chimney cleaning is a seasonal business with the busiest part of the year being winter. Homeowners should try to schedule cleanings and inspections during the off seasons.

After a loss, consult with AAA Public Adjusters and schedule a free consultation. Call toll free 800-410-5054 or visit their website at http://www.AAAPublicAdjusters.com.

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm headquartered in Philadelphia, PA. Additional offices are located throughout Pennsylvania, New Jersey, Maryland, Delaware, Virginia, and North Carolina. AAA Public Adjuster have been fighting insurance companies for over 25 years. AAA Public Adjusters, Maximizing Your Claim!

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 11/05/2018 -- Weather can affect the landscape around a home and the home itself. However, rain, snow, and heat can also affect the foundation of a home. When the soil around a home dries up or becomes water logged it can shift and create cracks in the foundation of a home. A homeowner should inspect their foundation frequently for any cracks.

Types of Cracks to Look For

While some cracks in the foundation are normal in the Philadelphia area, there are other cracks that a homeowner should look out for as they can indicate a problem.

-Diagonal cracks. These cracks are caused by different settling of the foundation. Diagonal cracks can be fixed the same way as vertical cracks.

-Vertical cracks. Vertical cracks are of the least concern. These cracks appear due to compression and tension in the building materials. While these pose no great concern for the structure of the home they can allow for seepage of water into the foundation. These cracks can be fixed with an epoxy or urethane injection and a sealant.

-Cracks that appear "stair-stepped". Sometimes these are not seen on a foundation but on the exterior wall about the foundation. These should be treated the same as diagonal cracks and are the result of differences in the settlement of the house.

-Horizontal cracks. These are the most serious types of cracks and are caused by the bowing of foundation. Several different methods exist to fix this problem, including installing high strength straps on the interior of the foundation, reinforced posts or braces can be installed in the basement/crawlspace, or anchors can be buried in surrounding soil to the pull the foundation back into shape.

-Cracks that don't go away. Some cracks often open and close as the seasons change.

-Cracks that are wider than one-quarter inch. Large cracks can allow water to seep into the foundation. Large cracks can also allow surrounding soil to get into the foundation and further damage the home.

-Cracks appear overnight.

Other Problems to Look for

Sometimes a foundation will have no visible cracks but there might be other signs, around the house, of a problem with the foundation.

-doors and windows that stick or won't shut properly

-Stretched or cracked caulking around windows or doors.

-Gaps between flooring and baseboards and cabinets.

-Bulging or Sloping floors

-Cracks in tiles or flooring.

Foundation Maintenance

A homeowner should always be aware of the condition of their foundation and should follow proper maintenance so that the foundation stays solid.

-Grading Soil. The soil around a home should be graded so that it slopes away from a home. This prevents water from pooling and draining into the soil near the foundation of a home.

-Diverting Water. The homeowner should make sure that downspouts and gutters are clear of debris and that the water coming from them is routed at least 5 feet away from the foundation. Downspout extensions can be bought to help with this.

-Landscaping. When planting around the home make sure that plants near the foundation do not dry out the soil by hogging water. Additionally, trees should be planted away from the foundation to avoid problems with the roots.

By inspecting the foundation and following simple maintenance tips a homeowner can minimize repairs to the foundation and extend the life of a home.

After a loss, consult with AAA Public Adjusters and schedule a free consultation. Call toll free 800-410-5054 or visit their website at http://www.AAAPublicAdjusters.com.

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm headquartered in Philadelphia, PA. Additional offices are located throughout Pennsylvania, New Jersey, Maryland, Delaware, Virginia, and North Carolina. AAA Public Adjuster have been fighting insurance companies for over 25 years. AAA Public Adjusters, Maximizing Your Claim!

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 09/17/2018 -- When disaster strikes, sometimes orders to evacuate are issued from the local or state government. But how do you prepare your home for evacuation in the face of a hurricane?

Before the Storm

Before leaving make sure to pack an emergency kit to bring with you. This should include a money, three days' worth of food and water, and any medicine. It should be noted that the 3 days' worth of water and food should be for both people and any pets. If any of your family members has special needs, be sure to account for that in your planning. Family members should agree upon a meeting spot. If cellphone service is interrupted or cell phones die, then a family should have an agreed upon area to meet up at.

Always make copies of important documents to take with you. These should include: social security cards, drivers' licenses. Passports, prescriptions, tax statements, and other legal documents. These copies should be uploaded to the internet, taken with you, or stored in a fireproof, watertight container. Irreplaceable keepsakes should be taken with you when evacuating. Other items or items that are too big should be moved to higher elevations, whether that be another level of the house or to a high shelf.

One major question is: what do to do with the food in the refrigerator or freezer. For this the FDA suggests switching the refrigerator and freezer to their coldest possible settings and moving everything into the freezer. This ensures that the food will stay colder for longer. A tightly packed freezer will stay cold for at least 48 hours when power is lost. If not, everything can be fit into the freezer then containers of ice should be placed in the fridge. Thermometers should be kept in the fridge and freezer to keep track of the temperatures. Food that has remained at 40 degrees Fahrenheit or below is safe to consume. Items in the pantry and a supply of bottled water should be moved to a higher space to keep safe from floodwater.

Though a homeowner should be aware at all times of any chemicals in their home, a homeowner should also take stock before evacuating their home. All potentially dangerous chemicals, i.e. bleach, ammonia, and drain cleans, should have tightly closed lids and should be moved to high shelves as far from potential flooding as possible. If any chemicals would get into the water, they could be hazardous to someone's health and could potentially cause a fire or explosion.

All electronics, small appliances, portable heating systems, and other electronics with wires should be moved to upper levels of the home or to high shelves. They should be moved as far from the water as possible. Generators should be kept away from moisture as well.

The outside of a home should also be taken care of before evacuation. Tree branches should be trimmed and safely disposed of. Rain gutters and downspouts should be secured while clogged areas should be cleaned out. Bikes, trash cans, outdoor furniture. Grills, tanks, and building materials should be secured or tied down. Windows should be boarded up to prevent leaks and broken glass. Doors should also be secured with storm shutters.

After the Storm

Do not enter your home until officials say that it is safe to do so. To avoid electrical hazards from the flooding, the electricity should be turned off.

Bottled water and food that is canned or well packaged are safe for consumption after a flood. The CDC advises homeowners to throw away any food that may have encountered flood water. Canned food that encountered flood water should have their labels removed and then they should be washed thoroughly. If fresh bottled water is not easily accessible, then it is advisable to boil water.

Hazardous chemicals, mold, asbestos and lead paint all pose potential dangers after a flood. Because of this, homeowners should wear protective gear, gloves, eye protection, and face masks to try to clean up or enter any flood damaged property. Before cleanup begins the homeowner should take photos of the home and contact AAA Public Adjusters. All water damaged items should be aired out to reduce the potential for mold.

It should be noted that insurance companies will only cover flood under certain conditions. In the event of a hurricane, insurance companies usually only cover the loss if the homeowner has flood insurance or a sump pump with the correct endorsement on their policy. However, wind damage due to the hurricane would be covered under a basic homeowner's insurance policy.

Have you had a loss at your house due to an hurricane? If so, request a free consultation with a public adjuster in New Jersey, PA, DE or MD by filling out a contact form on our website, or by calling 1-800-410-5054 today.

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm headquartered in Philadelphia, PA. Additional offices are located throughout Pennsylvania, New Jersey, Florida, Maryland, Delaware, Virginia, and North Carolina. AAA Public Adjusters have been fighting insurance companies for over 25 years. AAA Public Adjusters, Maximizing Your Claim!

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 08/13/2018 -- When disaster strikes most likely a homeowner's personal belongings will also be affected. But is the personal property covered by all policies? What types of personal property are covered and what isn't? These are all very good questions that will be answered in this article.

How Much Coverage?

Insurance company personal property coverage typically pays for damages in one of two ways. The first way is to reimburse for the replacement of an item. This typically pays the dollar amount that it will take to buy the item new at the time of the claim. The second way is to pay the actual cash value of the item. This way pays the current value of an item. It should also be noted that personal property coverage has certain limits on what will be paid to replace an item or category of items.

Renters Insurance

People who rent often think that their landlord's insurance policy will cover their belongings in a loss. This is a misconception. The landlord's policy helps protect the resident against certain losses, but the coverage often does not extend to the renter's personal property. However, if the renter takes out a renter's insurance policy, then some personal property might be covered up to certain limits.

Condo Insurance

A typical condo policy includes coverage for personal belongings against perils like fire and theft. While a condo associations insurance may cover the structure and areas shared by multiple owners, the protection often does not extend to personal belongings. However, the individual condo policy will protect belongings like furniture, computers, and clothing. Again, a coverage limit could apply.

Homeowners Insurance

Homeowners insurance provides dwelling and liability coverage; However, it usually covers personal property as well. If a home is affected by a covered loss, then the personal belongings are also covered. Again, with certain limits, outlined in the policy, applying.

Scheduled Property

While homeowners, renters, and condo policies might provide coverage for personal belongings, that coverage is usually subject to limits for certain types of property, occasionally even with limits on each item. Some agents will suggest "scheduling" items. This means that separate coverage would be purchased to further protect high valued items like jewelry, art, and musical instruments.

After a loss, consult with AAA Public Adjusters and schedule a free consultation. Call toll free 800-410-5054 or visit their website at http://www.AAAPublicAdjusters.com.

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm headquartered in Philadelphia, PA. Additional offices are located throughout Pennsylvania, New Jersey, Maryland, Delaware, Virginia, and North Carolina. AAA Public Adjuster have been fighting insurance companies for over 25 years. AAA Public Adjusters, Maximizing Your Claim!

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 07/06/2018 -- With the arrival of hot weather comes the addition of thunderstorms and lightning. However, if a lightning bolt hits a dwelling, does insurance cover it? The answer is yes. Homeowner's insurance does cover lightning strikes but only certain types. This post will go through the ins and outs of coverage for lighting strikes.

Lightning Damage Coverage

Lightning strikes can cause fires inside and outside of a building, ruin appliances and electronics, and wiring within walls can be affected. Shock can also injure occupants of the building. The lightning strike and resulting fire are covered by homeowner's policies with no exclusions. Homeowners policies should also provide coverage for the following:

1. Personal property, including electronics, appliances, furnishings and other interior possessions that were destroyed by the lightning strike. Typical policies pay actual cash value minus depreciation for the items. However, most policies pay for personal possession at about 50-70% of the amount of insurance on the home. There should be an option in the policy for replacement, which pays for the replacement of the items at their entire current value.

2. Additional living expenses is usually 20% of the dwellings value. This coverage pays for the insured to live elsewhere while the property is being repaired.

3. Other structures, i.e. sheds and garages, are also covered. This coverage is usually about 20% of the dwellings value.

Treatment of Lightning Damage from Insurers

Lightning is typically described as "naturally generated electricity from the atmosphere" and can be classified in three different ways.

1. Direct Strike is when lighting enters and passes through the home or other property on its way to the ground. This type causes the most amount of damage, including fire and charring. This type of damage is also the easiest claim to collect.

2. Near Miss is when lightning strikes in an area near the home but does not hit the structure directly. Damage resulting from this type is usually less than damage from a direct strike. The damage resulting from this strike is also more difficult for the insurance company to determine the cause of. An average policy does not include artificially generated currents. "Artificially generated current" includes sparks from electrical lines or transformers, which can cause similar damage to a near miss.

3. Ground Surge is when lightning strikes and affects the electricity throughout an area. It is the most common lightning-related claim. The damage that results from this type of strike is more difficult to prove and thus fewer claims are paid out for this type.

Additional Coverage and Protection

No additional coverage is needed to be purchased, even if the insured lives in an area prone to lightning strikes. However, people do suggest equipping homes with tools to combat lightning strikes. These tools include electrical grounds, grounded weather-vanes, lighting rods, and/or surge suppressors. Though some people argue that those are not enough to safeguard a home from a lightning strike. Many people suggest a full lightning protection system that includes lightning strike termination devices, aluminum or copper braided cable conductors, grounded terminals/rods (installed at least 10 feet deep into the ground), interconnecting bonding to minimize the side flashing, and surge suppression devices installed at the electrical panel. The system should include protection for electrical, telephone, cable/satellite TV lines entering the structure.

If you have property damage at your home or business, don't hesitate to call AAA Public Adjusters. AAA Public Adjusters, Maximizing Your Claim!

Has property damage recently occurred at your home or business? Request a free consultation with a public adjuster in New Jersey, PA, DE or MD by filling out a contact form on our website, or by calling 800-410-5054 today.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 06/14/2018 -- Wind damage does not have to be caused by a tornado or hurricane. It can be cause by any strong gale-force winds. Those strong winds can blow debris around that can cause damage and injure people. Without protection, the debris being blown about can go through windows, and doors can be torn from their hinges. Thus, leaving the structures interior open and exposed to the wind and other weather elements.

There are some precautions that a property owner can take if the building is an area that often experiences damaging winds.

1. Strong Windows are key. If designing a home or office space large areas of glass and windows with multiple panels, and double entry doors should be avoided. For structures that already exist, the best bet for protection would be temporary or permanent storm shutters.

2. Permanent Storm Shutters should be used in areas where someone would have to act quickly in the face of a windstorm. These are usually made of aluminum or steel and provide the sturdiest protection against wind. These can be either manual or motor-driven. However, the motor driven can be manual if the power goes out. Permanent shutters come in a variety of sizes to cover many openings.

3. Temporary shutters are an economical alternative and are just sheets of plywood that cover the openings. These can be installed quickly if the proper preparation has been taken beforehand. These plywood coverings can protect sliding glass doors, French doors, and windows. These coverings should be made in times when wind isn't a threat. The property owner should have a system in place to know which covering goes to which door and window so that installation can be done quickly.

4. Garage doors should be reinforced. This should be done by professionals.

5. All loose objects on the property (i.e. grills, trash cans, lawn furniture) should be secured or anchored to the ground.

6. Straps and ground anchors should be used to secured manufactured homes, outbuildings, sheds, and other structures that are not on permanent foundations.

7. Large trees that are at risk of toppling on to the main building should be removed from the property. Again, this should be done by a professional.

8. When planting shrubs and trees on the property make sure that they are planted at the proper depth so that the roots are covered.

9. Drains and Downspouts should be kept clean to help with water flow.

10. Roofing materials, fencing should be kept in good condition so that they do not come loss and cause damage.

Even with these preparations the building could still experience wind damage. It is important to prepare as much as possible for potential high-forced winds so that you might experience less damage or no damage. By following the above precautions, a property owner could potentially experience no damage at all from high winds. Though if the winds are accompanied by heavy rainfall, then the property owner should try to mitigate potential water damage as well.

After experiencing wind damage at your property, call AAA Public Adjusters to schedule a free consultation.

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm headquartered in Philadelphia, PA. Additional offices are located throughout Pennsylvania, New Jersey, Maryland, Delaware, Virginia, and North Carolina. AAA Public Adjusters have been fighting insurance companies for over 25 years. AAA Public Adjusters, Maximizing Your Claim!

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 05/01/2018 -- The United States property and casualty insurance industry has trillions of dollars in assets, has staggering profits of over $70 billion a year, and pays its executives more than any other industry in this country. With that said, insurance companies still engage in trickery and unethical behavior to boost their bottom line. The current trend in the property and casualty sector of the insurance industry is to get approval from the state insurance commissioners for various homeowner's policies that are so restrictive that they hardly pay for anything! For example, let us look at Farmers Smart Plan Home Policy. Is it really smart to buy Farmers Smart Plan Home Policy? Let us take a look at an excerpt of the coverage section of this policy.

"16. Limited Matching Coverage for Vinyl or Aluminum Siding and Roof Materials for Composition Shingle Roofs.

If the Declarations show a stated limit for Limited Matching Coverage, then:

a. when a loss event requires replacement of vinyl or aluminum exterior siding, roof materials for composition shingle roofs, soffit or fascia (herein the "property") on a damaged building structure, and the replacement property does not match with the existing undamaged "property" because the existing undamaged "property" is obsolete or discontinued, we will pay up to the Limited Matching Coverage stated limit to replace existing undamaged "property" with the same materials that are used to replace covered damaged "property", which replacement may be greater than that required to achieve a reasonably uniform appearance;

b. you must actually replace the existing undamaged "property" with the same materials that are used to repair or replace the covered damaged "property" to collect any payment under this Extension of Coverage; and

c. item c.(1)iii. of Section I - Property Conditions, How We Settle Covered Loss, will not apply to loss involving the "property" on a damaged building structure.

This is not additional insurance. All payments for this Extension of Coverage are subject to the applicable Coverage A or B stated limit."

What does all this insurance lingo mean to the insured that has this policy? What if the insured has a $15,000.00 15-year-old composition shingled roof that has a life expectancy of 25 years and was just damaged by a wind storm that blew off 40 shingles from two slopes of the roof? First, we must look at Farmers Scheduled roof payment percentage. Since the roof is 15-years-old and the shingle has a life expectancy of under 30 years, Farmers would owe you 50.1% of the $15,000.00. There goes $7,500.00 that you will never see again. Farmers will pay you upfront to replace the 40 shingles, say at the most $500.00. If the insured has a $1,000.00 deductible, Farmers will pay you nothing upfront. If the insured with the $1,000.00 deductible is confused after all this, can the insured still collect the $6,500.00. The simple answer is yes, if the insured pays for the roof out of his pocket first as outlined in section b. above. Also, do not forget to look at Section I - Property Conditions 5. How We Settle Covered Loss a. (2) Roof Materials for further policy confusion. Wait a minute; I thought that homeowners insurance was supposed to help the insured pay for the losses that they sustain!

Let us look at another excerpt from the definition section of this homeowner's policy.

"28. Plumbing system - means all water supply and distribution pipes, plumbing fixtures and traps, valves, and drainage and vent pipes of a building structure or structures, or an in-ground sprinkler system on the residence premises. A plumbing system does not include any of the following:

a. any bath or shower units (not including the bath tub), enclosures or pans, including, but not limited to, curtains, tile, grout, sealants or doors;

b. a roof drainage system, including, but not limited to, gutters, drain pipes and downspouts;

c. a sump or sump-pump, sump-pump well or related equipment, pipes or connectors;

d. any part of a drainage ditch or channel;

e. that part of any system designed to remove or drain water from the residence premises which part is not: (1) within; or (2) directly under the slab or foundation of; a building structure on the residence premises; f. any removable hose, tool, device, appliance or implement attached to the plumbing system; or

g. a sprinkler system attached to water distribution pipes by any type of hose or a fire suppression sprinkler system."

Without question, the every day insured believes that a shower pan, bath or shower units are all part of a plumbing system. I went around to all of the plumbers I know and questioned them about this policy verbiage. The short of it is, they could not believe what they just read. Watch out, the exterior drainpipes connected to your interior drainpipes are not a part of your plumbing system. Furthermore, "an in ground sprinkler system" is part of a plumbing system, but a sprinkler system attached to water distribution pipes by any type of hose" is not part of a plumbing system. Where do they dream up this policy language?

God forbid that the insured disagrees with Farmers payment of their homeowners claim and wants to initiate the independent arbitration condition called Appraisal. Let us first take a look at Farmers Smart Plan Appraisal Condition and then let us take a look at the Appraisal Condition in an ISO form HO-3 policy.

Smart Plan Appraisal Condition:

"10. Appraisal.

a. If you or we fail to agree on the actual cash value or the incurred property damage of your claimed loss, either you or we may make a written demand for appraisal. The appraisal shall be made in strict conformance with the terms of this Appraisal condition. Neither you nor we may assign the right to demand appraisal, whether before or after loss or damage. Any assignment shall be void.

b. (1) Within 20 days of the receipt of a written demand for appraisal, you and we each shall:

i. appoint a qualified individual person as an appraiser; and

ii. notify the other in writing of the appraiser's name and contact information.

(2) In order for a person to be qualified to act as an appraiser, the person must be competent, independent, neutral and impartial. A person:

i. who has performed, or who is employed by any entity which has performed any work, or a person who has provided any service for either you or us in relation to any claimed loss under this policy, whether or not such work or service has been or will be paid; or

ii. who has or may perform, or who is employed by an entity which has or may perform repairs or replacement of your property; shall not be qualified to serve as an appraiser.

(3) Upon acceptance of the appointment, each appraiser shall within 5 days disclose in writing to you and to us any known facts which a reasonable person may consider to affect the independence, neutrality or impartiality of the appraiser, including without limitation

i. any financial or personal interest in the outcome of the appraisal; and

ii. any current or previous relationship with you or us, or your or our counsel, other representative(s) or experts, or with the other appraiser.

c. You and we may provide the appraisers, and the umpire if appointed, with estimates, expert opinions, appraisal forms or any information you or we believe to be relevant to the appraisal. Any such documents and information must also be provided to the other party. However, no formal legal discovery shall be conducted by either the appraisers, any umpire, or you or us during or for the preparation of the appraisal, and no court reporter shall be used. The rules of civil procedure and the rules of evidence shall not apply to the appraisal process, and no hearing shall be conducted by the appraisers at which either you or we provide any evidence pertaining to your claimed loss.

d. (1) The appraisers shall determine the incurred property damage, if any, to each of the component parts of that property for which you have claimed loss, and the actual cash value of the incurred property damage, as of the date of the loss. In determining the actual cash value of the incurred property damage, the appraisers shall only use reasonable costs of materials of like kind and quality unless the policy expressly provides otherwise.

(2) The appraisal shall separately state and itemize the following for each individual component part of the incurred property damage:

i. a description of each component part of the property;

ii. a description of the distinct and demonstrable physical injury to or destruction of each component part, if any, without reference to what caused the damage;

iii. a description of the reasonably necessary repairs or replacements for each component part of property;

iv. the estimated costs of the reasonably necessary repairs or replacement(s) to each component part of property;

v. the estimated amount of proper depreciation and/or obsolescence to each component part of property; and

vi. the actual cash value of the incurred property damage.

(3) The appraisers will provide detailed, verifiable support:

i. of the reasonableness of the costs, including unit costs;

ii. that the materials are of like kind and quality, if the policy loss settlement requires like kind and quality settlement; and

iii. of the factors and basis used to determine depreciation and/or obsolescence

(4) The appraisers may consider and provide you and us with a separate statement of the estimated cost(s) for any repairs or replacements which may be required by building laws, but the appraisers may not determine whether such amounts are covered by this policy.

(5) The appraisers shall submit their written appraisal in strict conformance with this subsection d., to both you and to us, and the amounts agreed upon by the appraisers will be the incurred property damage and the actual cash value of the incurred property damage to each component part of property for which you have claimed loss and will be binding. Substantial conformance with this Appraisal condition does not satisfy the terms of this Appraisal condition.

(6) The appraisers are not authorized to, and shall not decide the cause, or causes, of your claimed loss or any incurred property damage.

(7) The appraisers are not authorized to decide whether any incurred property damage is covered by this policy. As appropriate, each of the foregoing shall also apply to theft.

e. (1) If the appraisers cannot agree on the incurred property damage or the actual cash value of the incurred property damage, they will advise each of us of their failure to agree and of the need to appoint an umpire to resolve their differences. The appraisers may then agree on an umpire. If the appraisers advise each of us that they cannot agree on an umpire, you or we shall then first request the American Arbitration Association (AAA) to select an umpire.

(2) Only if the AAA advises you and us in writing that it cannot appoint an umpire may we then jointly request a judge of a district court in the judicial district where the residence premises is located to select an umpire. A judge of a district court does not include a commissioner or a judge of a county court at law, a justice court, a municipal court, a probate court, or of a commissioner's court.

(3) In order for a person to be qualified to act as an umpire, such person must be qualified and meet the conditions as required in subsection b.(2).

(4) Upon the appointment of an umpire by the appraisers, AAA or a district judge, the umpire shall within 5 business days disclose in writing to you and to us the information required in subsection b.(3).

(5) Within 20 days of a qualified umpire being appointed, each of the appraisers shall then submit to the umpire, and to both you and us, their appraisals. Their appraisals shall contain all of the information required in subsection d. above, and shall identify each specific matter upon which they disagree and explain in detail why they disagree. Both appraisers and the umpire shall then together meet and confer. The umpire shall then prepare an appraisal. A written appraisal in strict conformance with and setting forth all the information required in subsection d. above, agreed upon and signed by the umpire and either one or both of the two appraisers will determine the incurred property damage and the actual cash value of the incurred property damage of your claimed loss, and will be binding.

(6) If a vacancy should occur regarding the umpire, the vacancy shall be filled in accord with the foregoing process by which the vacating umpire was appointed. Any appointed umpire is subject to (3) and (4) of this subsection e. f

f. Each party will pay the costs of the appraiser it chooses. The costs of the umpire, including if appointed by AAA, and all other reasonable expenses of the appraisal will be shared and paid equally by you and us. If AAA appoints the umpire, we will pay AAA's process fees.

g. The appraisal shall not:

(1) determine whether your claimed loss or any incurred property damage, or any part thereof, is covered by this policy;

(2) determine the cause or causes of the claimed loss or any incurred property damage;

(3) make any factual finding which directly or indirectly determines whether your claimed loss or incurred property damage, or any part thereof, is covered by this policy;

(4) interpret this policy;

(5) award or determine any interest or penalties;

(6) determine whether property which has not sustained incurred property damage is to be matched with materials used to repair or replace property that has sustained incurred property damage, or any amount for matching;

(7) determine whether the services of a general contractor will be required to manage, supervise and coordinate the repairs, or any amount for general contractor's fees or charges;

(8) determine loss settlement under a loss settlement provision of this policy; or

(9) be considered to be adjustment of your claimed loss.

h. Any demand for appraisal must be made within the contractual suit limitations period stated in this policy. After that time neither you nor we may demand an appraisal.

i. If you or we timely demand an appraisal, then upon request or motion made by either you or us for abatement of any suit for or involving the claimed loss, the suit shall be abated until after an appraisal award is made in strict conformance with this Appraisal condition.

j. Even after an appraisal award, we retain the right to deny any claimed loss or incurred property damage, or any part thereof. "

HO-3 Policy Appraisal Condition:

E. Appraisal

If you and we fail to agree on the amount of loss, either may demand an appraisal of the loss. In this event, each party will choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. If they cannot agree upon an umpire within 15 days, you or we may request that the choice be made by a judge of a court of record in the state where the "residence premises" is located. The appraisers will separately set the amount of loss. If the appraisers submit a written report of an agreement to us, the amount agreed upon will be the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will set the amount of loss.

Each party will:

1. Pay its own appraiser; and
2. Bear the other expenses of the appraisal and umpire equally.

The Smart Plan Appraisal word count is close to 10 times more than the HO-3 Appraisal word count. Look at the difference in verbiage between the Smart Plan Appraisal Condition and the H-03 Appraisal Condition. Pay attention to sections g., h., i., and j, of the Smart Plan Appraisal. These sections make it more restrictive than the HO-3 Appraisal Condition. It gives Farmers the right to interfere with a process that is supposed to be independent. Farmers in many instances have reduced Appraisal awards using the above-referenced language. When an insurance company can interfere with an independent arbitration process such as Appraisal, the insured will less likely utilize Appraisal and go directly into suit. This type of Appraisal language will be more costly to the insured and the insurance company alike. I guess farmers does know a thing or two about insurance.

Farmers is not the only insurance company in America to mislead the American public. Some of America's most widely known insurance companies—the ones that spend millions upon millions of dollars on advertising to earn the trust of homeowners—have endeavored to delay, deny, and defend insurance claims. According to the American Association for Justice, some of the nation's largest property and casualty insurance companies— Allstate, Liberty Mutual, and State Farm among others—have denied valid claims in an attempt to boost their profits. Let's face it; insurance companies improve their profits when they do not pay valid insurance claims. These companies have rewarded employees, whether it is staff or vendors, who denied claims and fired employees who would not. Many insurance companies routinely delay or deny claims, knowing full well that many policyholders will give up and take no action against them. Long-term care insurers, often take advantage of their policyholders' age and declining health to improve their bottom line. They'll do anything to avoid paying, because they know if they wait long enough, the insured will eventually die. Insurance companies will confuse policyholders with contracts that are some of the most dense and incomprehensible documents that a consumer is ever likely to read. Do not go it alone! Let AAA Public Adjusters help you navigate through the claims process.

After a loss, consult with AAA Public Adjusters and schedule a free consultation. Call toll free 800-410-5054 or visit their website at https://aaapublicadjusters.com/.

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm headquartered in Philadelphia, PA. Additional offices are located throughout Pennsylvania, New Jersey, Maryland, Florida, Delaware, Virginia, and North Carolina. AAA Public Adjusters have been fighting insurance companies for over 25 years. AAA Public Adjusters, Maximizing Your Claim!

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 03/27/2018 -- Despite spring arriving, the Northeast is still mired in wintry conditions. We have now been slammed by the 4th Nor'easter in 3 weeks.

For many homeowners, this means damaged roofs, siding, and windows which could cause water and mold damage inside your home. Once noticing water stains on a ceiling, walls, or floor, it may be time to consider making a property insurance claim. If an insured decides to make an insurance claim, they should not do it alone. The process of evaluating, completing and submitting a claim for an insured is difficult. Consider hiring a Public Adjuster to demystify the process. A public adjuster assists homeowners in receiving the true costs of the damages that were sustained to your real or personal property. A Public Adjuster will assist the insured throughout the entire claims process. They assess the loss, file the claim and negotiate the highest possible settlement for the insured. They are experts in understanding all the various insurance policies. A seasoned public adjuster will understand the policy provisions, conditions, and exclusions and will use them to the homeowners' advantage.

Understanding the Homeowners Insurance Policy is the key to a successful conclusion to a homeowners claim. The insurance policy is a contract between the insured, and the insurance company. It specifies what the insurance company agrees to do in exchange for the premium that the insured pays. Additionally, it describes the insured's responsibilities and the terms of coverage. The contract is divided into two sections: the declarations page and the policy itself.

The Declaration Page

The declarations page is typically the first part of the insurance policy and includes basic details of the insuring agreement such as:

- Name of the insurance carrier
- Name(s) of the individual(s) insured
- Location of the insured residence
- The premium
- The policy number
- Property that is covered
- Coverages purchased
- Applicable deductibles
- Limits of liability for each coverage purchased

The Policy

The second part of your insurance contract is the policy. This includes:
- Insuring agreements
- Definitions
- Conditions

Section I of the policy describes your property coverages and the perils that are covered.

Section II typically includes liability coverage. This is protection against claims someone else makes against the insured. Premises medical coverage covers the medical expenses of others accidentally injured on your property. Each section will outline the coverages, exclusions, limits, and conditions.

Navigating through the homeowners policy is not an easy task during the claims process. Hiring a public adjuster is well worth it in the long run. A public adjuster has the knowledge and expertise that is well worth the contingent fee the insured will pay.

When Can an Insured Hire a Public Adjuster?

The simple answer is any time during the claims process. It is best to hire a public adjuster from the onset of the claim, but an insured can also utilize the services of a public adjuster in the middle of the claim, at the end of the claim and even if the claim has been denied. A public adjuster has many other tools in his bag to effectuate the proper settlement of the loss. Thus, do not hesitate to call a public adjuster to settle your insurance claim.

After a loss, consult with AAA Public Adjusters and schedule a free consultation. Call toll free 800-410-5054 or visit their website at https://aaapublicadjusters.com.

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm headquartered in Philadelphia, PA. Additional offices are located throughout Pennsylvania, New Jersey, Maryland, Delaware, Virginia, and North Carolina. AAA Public Adjusters have been fighting insurance companies for over 25 years. AAA Public Adjusters, Maximizing Your Claim!

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 02/26/2018 -- After experiencing damage to a home or business, immediately contact a public adjuster.

For homeowners or business claims that involve situations where there is an extreme amount of property damage, most insurance policy holders will make the decision to file a claim, rather than take on the entire financial burden of rebuilding the building or replacing their personal property themselves.

Filing a property insurance claim is normally complicated and stressful on the insured. In claims where the loss exceeds the amount that the insured can afford, it is best to hire an experienced public adjuster that can streamline the process and handle the claim in a professional manner.

Starting the claims process begins with contacting the insurance agent and giving them all the information that concerns the property damage. At some point during the claims process the insured will get a call from the insurance company's claims adjuster. The claims adjuster will visit the property to adjust the loss. Once the adjuster is at the property, it now becomes the insured's burden to prove the loss and quantify the damages. Most insureds cannot document the loss properly. At this point in time, it is appropriate to consider hiring a public adjuster. A public insurance adjuster is an independent adjuster who represents the insured. They are experts in filing property insurance claims. Public insurance adjusters are hired by insurance policy holders to make sure that they are receiving their full benefits from the insurance policy that has been purchased. AAA Public Adjusters of Philadelphia is a well-respected public adjusting firm that will represent your interest. On the other hand, the insurance company adjuster, whether it is a staff adjuster or an independent adjuster, represents the insurance company interests. These adjusters are micromanaged by their respective insurance companies and have no interest in exposing the full loss to the insured.

When it is Best to Hire a Public Insurance Adjuster

From the onset of the claim, it is best to call in a public adjusting firm like AAA Public Adjusters before calling your insurance company. Public insurance adjusters are professionals that know your policy provisions, conditions, and exclusions. They will do an estimate of loss and meet at the loss location with the insurance company adjuster on the insured's behalf. Ultimately, they will obtain the proper settlement.

Reasons People Choose to Hire Public Insurance Adjusters

There are several reasons why some home or business owners choose to hire their own public insurance adjuster. These reasons include:

- Large losses that the insured cannot handle on their own

- When the company insurance adjuster is not communicating well with them

- When the insured is not in agreement with the scope and estimate of loss that the company adjuster provided.

- An insured may choose to hire a public insurance adjuster when they disagree with the decision of the insurance company's adjuster and their interpretation of the policy language.

These are the most common reasons insureds hire a public adjuster, but sometimes, a home or business owner may hire a public adjuster just because they are too busy to deal with the claims process themselves.

Whatever the reason, it is good for policy holders to have an option of a public insurance adjuster to represent them in their claim if needed.

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm. Along with being headquartered in Philadelphia, PA, the company operates additional offices throughout Pennsylvania, New Jersey, Maryland and Delaware. The company has been assisting clients with recovering benefits from their insurance companies for over 25 years.

For more information, please visit https://www.aaapublicadjusters.com/.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 12/04/2017 -- A Year For the Record Books

2017 was a record breaker in the United States for catastrophe claims. Hurricane Harvey in Texas and Hurricane Irma in Florida created an unprecedented amount of property damage. Naturally, many homeowners feel overwhelmed after any disaster (big or small), but thankfully there are those who can help in the recovery process.

The Role of Public Adjusters

Public adjusters are a homeowner's best friend and guidance during a property insurance claim. Public adjusters handle every aspect of the claim. They communicate to the insurance company to ensure that the claim will be handled properly. Public adjusters are also educated on each insurance policy's provisions and exclusions. An educated public adjuster can use the language in a property owner's insurance policy to guarantee that the maximum settlement is awarded. Public adjusters will also refer a certified restoration company to remove any areas affected by mold, smoke, water, etc.

How Does It Work?

A Camden,NJ Public Adjuster works on a contingent fee. Instead of charging an hourly rate, they will be paid a percentage of the claim. Typically, the smaller the claim the larger the fee. The homeowner and public adjuster will agree upon the fee before proceeding. Once the fee is agreed upon the public adjuster will write a scope of loss for the claim. The scope will be a detailed report that will present the best case to the homeowner's insurance company. Finally, the public adjuster will meet with the homeowner's insurance company to negotiate the fairest settlement.

Public Adjusters Are Friends During Tragedies

This year alone wind damages will exceed $300 billion. During Hurricane Irma and Harvey, Public Adjusters were highly sought-after resources. Public Adjusters on average were able to close claims sooner and maximize settlements. Whether the tragedy is large or small a Bristol, PA public adjuster can provide homeowners guidance after a fire, water loss, pipe burst, flood, and building collapse. If a property owner suspects they may have an insurance claim, they should call a public adjuster for a free consultation!

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm headquartered in Philadelphia, PA. Additional offices are located throughout Pennsylvania, New Jersey, Maryland, Delaware, Virginia, and North Carolina. AAA Public Adjuster have been fighting insurance companies for over 25 years. AAA Public Adjusters, Maximizing Your Claim!

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 11/03/2017 -- Hurricane Irma is one for the record books and will be known as one of the worst storms in US history. Several islands in the Northern Caribbean were impacted in addition to the Florida Keys and Golf Coast. Florida, unfortunately received the most damage. The damage is likely to exceed $150 billion. On the opposite side of the country, Hurricane Harvey has devastated the southern part of Texas. This means insurance companies will receive a record amount of storm related claims. Homeowners need to be prepared for the worst when filing claims. Storm and hurricane claims can be difficult to file and property owners need to know the proper procedures before speaking with their insurance companies'.

Hire a Public Adjuster

Hiring a public adjuster is your best defense during a storm claim. Public adjusters work on behalf of the insured to get the maximum settlement. Public adjusters work on a contingency fee and are paid a percentage of the loss (for example, in Florida the maximum fee is 10% of the settlement). A public adjuster will work on the insured's behalf and file all the difficult paperwork directly to the insurance provider.

File the Claim in a Timely Manner

Insurance companies want insureds to file the claim in a timely manner. As per all insurance policies, it is the insured's responsibility to promptly inform the insurance company about their loss. Once you hire a public adjuster, they will expedite the process by filing the right information.

Index Contents and Damaged Property

The homeowner should immediately begin taking an inventory of damaged contents and property. Take photos or videos of the damage as it's occurring. Also, make a price list of the contents affected by the storm. Insurance companies want the property owner to bear the burden of proof, so it is best to immediately begin cataloging contents.

Be vigilant, Avoid Small Errors

Small mistakes can add up quickly. Even the slightest error can delay property claims. Before filing a claim or filling out a Proof of Loss triple check all the information provided. A reputable New Jersey public adjuster will ensure that all information is filed correctly, so the claim proceeds smoothly.

Seek the Best

Hiring a Bristol, PA public adjuster after a storm can be a daunting task because there will be many scam solicitors knocking on insureds doors. A Philadelphia public adjuster, will be licensed and bonded. Be sure to ask a public adjuster their license number and for three good references before signing any contract.

About AAA Public Adjusters, LLC
AAA Public Adjusters, LLC, is a property loss consulting firm. Along with being headquartered in Philadelphia, PA, the company operates additional offices throughout Pennsylvania, New Jersey, Delaware, Virginia, North Carolina.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 09/05/2017 -- Filing a claim is a stressful situation for any property owner. Insurance policies are written with complex language that is used to confuse the policy holder and deny coverage. What's worse is that insurance company adjusters are instructed to minimize losses and pay the least amount of money according to the policy provisions.

The policy holder can feel helpless when filing a claim, that's why a public adjuster is a property owner's best resource when filing a claim. Unfortunately, public adjusters sometimes have a bad reputation. They are accused of profiting from the misery of policy holders' and charging unnecessarily high contingent fees. That's why it's important for the policy holder to do their due diligence before hiring a public adjuster.

Before hiring a public adjuster in Camden NJ, it is best to look up the firm online. Research customer testimonials and online reviews. Frustrated policy holders will naturally leave negative reviews on firm's web listing. When the public adjuster arrives at the policy holder's home for a consultation, it is best to ask for a list of references. If the public adjuster has been successful in the past, then it will be easy for the public adjuster to provide a list of satisfied clients.

The policy holder should also be aware that the public adjuster in Bristol, PA works solely on a contingent fee. Any public adjuster that arrives at a property demanding money upfront for their services is working illegally. Public adjusters are like lawyers, they are paid a percentage of the claim after the settlement is awarded. Never trust any public adjuster asking to work for an hourly rate.

The policy holder must be aware that the claim is negotiable. The best public adjusters will negotiate a fair settlement on your behalf. Be aware of public adjusters charging exorbitant fees. Typically, the smaller the loss the larger the contingent fee. If a public adjuster demands a high contingent fee for a small loss, then the public adjuster is most likely a scam artist.

A public adjuster can be a policy holder's best friend or worst enemy. It is important for the property owner to do their homework before hiring a public adjuster. After a loss, consult with AAA Public Adjusters and schedule a free consultation. Call toll free 800-410-5054 or visit their website at http://www.AAAPublicAdjusters.com.

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm headquartered in Philadelphia, PA. Additional offices are located throughout Pennsylvania, New Jersey, Maryland, Delaware, Virginia, and North Carolina. AAA Public Adjuster have been fighting insurance companies for over 25 years. AAA Public Adjusters, Maximizing Your Claim!

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 07/31/2017 -- AAA Public Adjusters is the premier public adjusting firm in Philadelphia, New Jersey, Maryland, and Delaware. AAA Public Adjusters has been helping East Coast property owners for over twenty years and now they are expanding their services to North Carolina and Virginia territory.

What is a Public Adjuster

A public adjuster helps insureds receive the maximum settlement for their losses. A public adjuster can assist with every part of the claims filing process. They file the claim, scope the loss, and negotiate for the highest settlement. Most property owners aren't aware that it is their responsibility to present the loss to their insurance company and demonstrate the burden of proof.

Unfortunately, insureds can't depend on their insurance company working in their best interests. In fact, insurance company adjusters are given performance bonuses for minimizing losses. Before filing a claim in North Carolina or Virginia, it is best to consult an adjuster from AAA Public Adjusters. AAA Public Adjusters will ensure that the insured avoids common claim filing mistakes such as; improperly documenting the loss, misinterpreting the conditions of the policy, or not understanding the cause of the loss.

Below, are just a few examples of losses public adjusters can negotiate:

A. Fire
B. Smoke
C. Wind
D. Water Damage
E. Sewage
F. Storm
G. Vandalism

When Can an Insured use a Public Adjuster?

A public adjuster in Sussex County, Virginia, is usually called at the time of the loss. A public adjuster will file the claim on the insured's behalf and scope the property for maximum settlement. AAA Public Adjusters in Richmond, Virginia, will negotiate with the insurance company adjuster to ensure that the property owner will receive the money they deserve. If the insured is not satisfied with their initial settlement offer, they can still use a public adjuster's service. Many property owners are not aware that a claim does not end when the settlement check is issued. Insureds have up to a year to file for an additional settlement if their funds do not cover the cost of repairs.

How Does It Work?

A public adjuster works on a contingent fee. The public adjuster is awarded a portion of the settlement and will only receive money if the insured receives repair funds. The fee will vary depending of the loss. Typically, the smaller the loss, the larger the fee. All communication from the insurance company will be received by the public adjuster. The insured doesn't have to worry about filing the claim or presenting the loss, a public adjuster will expedite the whole process. Once the AAA Public Adjuster in Wilmington, North Carolina scopes the loss, they will meet at the insured's property to negotiate for the largest settlement. Studies have shown on average; a public adjuster will increase the insurance settlements by 30%.

After a loss, consult with AAA Public Adjusters and schedule a free consultation. Call toll free 800-410-5054 or visit their website at http://www.AAAPublicAdjusters.com.

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm headquartered in Philadelphia, PA. Additional offices are located throughout Pennsylvania, New Jersey, Maryland, Delaware, Virginia, and North Carolina. AAA Public Adjuster have been fighting insurance companies for over 25 years. AAA Public Adjusters, Maximizing Your Claim!

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 07/06/2017 -- Dealing with insurance companies is never easy. Insurance companies use difficult and technical language in their policies that make them difficult to interpret. Even worse, when a property owner does receive a settlement, it is usually too low to fix their property.

Insureds need to understand their rights and can seek guidance from a knowledgeable public adjuster. A public adjuster negotiates and interprets property owners' policies and uses them to get the money the insured deserves. Public adjusters are advocates for insureds and can read through confusing policy language to educate property owners about every part of the claim filing process.

A public adjuster in Ocean County, NJ, Cape May County, NJ, and Atlantic County, NJ will handle every aspect of the claim. They will first inspect the insured's property to make a determination on whether or not the claim should be filed. Sometimes, the insured may not be aware of certain provisions in the policy that may prevent them from filing a claim. They may not have the proper endorsement or their understanding of the claims process may be lacking. A Public Adjuster from AAA Public Adjusters will inspect the damaged property. If a claim can be filed, they will act on behalf of the insured and file the claim for them. All communication will be handled by the public adjuster to protect the insured from their insurance company. A public adjuster from AAA Public Adjusters will provide the insurance company a thorough estimate that will represent the true scope of the claim. Once, the scope is prepared and the insurance company is notified of the claim, the two adjusters (one from the insurance company and one from AAA Public Adjusters) will meet at the property. The AAA public adjuster will then attempt to settle the loss immediately thereafter. AAA Public Adjusters also has a large network of attorneys and property appraisers that can bring the claim to suit if necessary. All public adjusters work on a contingent fee and are not paid per hour, therefore public adjusters also have a financial interest in the claim. Public adjusters will fight for the greatest settlement, since they will not be paid, if the insured is not paid.

If you have property damage at your home or business, don't hesitate to call AAA Public Adjusters. AAA Public Adjusters, Maximizing Your Claim!

Has property damage recently occurred at your home or business? Request a free consultation with a public adjuster in New Jersey, PA, DE or MD by filling out a contact form on our website, or by calling 800-410-5054 today.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Feasterville-Trevose, PA -- (ReleaseWire) -- 05/24/2017 -- A fire is one of the most stressful ordeals a property owner will ever face. What's worse is that many property owners are not well informed about the insurance process. They will intuitively file an insurance claim following a loss. However, what they don't know is that their insurance company does not have their best interest in mind. A corporate adjuster will receive performance bonuses for minimizing losses and many times the property owner won't receive a large enough settlement to cover their repair costs.

A public adjuster in Atlantic County, NJ can help a property owner navigate their insurance policy and insure that they are fairly compensated for their loss. A public adjuster is a licensed professional who knows the provisions, conditions, and exclusions of the insurance policy. They will negotiate a fair settlement for the loss and handle every aspect of the insurance claim process. Like an attorney, a public adjuster becomes your representation during the insurance claim.

Talking to an insurance company and presenting the claim is never easy. Hiring a public adjuster in Trenton, NJ can tip the odds in favor of the property owner, especially after a large loss such as a fire. Getting in touch with a public adjuster immediately after a fire can save the home or business owner thousands of dollars and reduce the stress of filing an insurance claim on their own.

AAA Public Adjusters, LLC is the premier public adjusting firm in the Philadelphia, PA, and New Jersey areas. They offer a free consultation for all home and business owners. With over twenty years in the insurance business AAA Public Adjusters has helped thousands of property owners rebuild their lives. After a fire, allow AAA Public Adjusters to analyze the loss by calling 800-410-5054 or visit their website at http://www.AAAPublicAdjusters.com. Feel free to fill out the contact form for a free consultation.

About AAA Public Adjusters
AAA Public Adjusters, LLC, is a property loss consulting firm. Along with being headquartered in Philadelphia, PA, the company operates additional offices throughout Pennsylvania, New Jersey, Maryland and Delaware. The company has been assisting clients with recovering benefits from their insurance companies for over 25 years.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm