Claims

                         Shouldn’t I Just Let The Insurance Company Handle My Claim?
Insurance companies train their adjusters in methods, and have policies in place, which keep the insurance company’s own interests at the forefront instead of yours.
In a recent interview, Ina Delong, a former insurance company adjuster, now turned consumer advocate, told the 60 Minutes TV News Program: “The Insurance companies don’t want adjusters that are trained because if they really knew what they were doing, the insurance claim (settlement) would be higher.”

In 1991, John Garamendi, the then insurance commissioner of California, characterized the insurance industry as stuck in the old days of paying out as little as possible.

A recent government report (No. 10-06 from Florida Legislature’s Office of Program Policy Analysis and Government Accountability (OPPAGA)), shows that consumers having competent representation during the claims process “…received 747% higher compensation for claims filed”. “For non-catastrophe claims (those not related to a declared state of emergency), policyholders received 574% higher compensation” by having qualified, knowledgeable personnel, such as that of AllCraft, present during the claims process. Wouldn’t you like to receive that level of service?

   Contact us Today by clicking the red tab at the top of the page or calling us

(937) 839-2555!

                             After a property loss What happens next?

When you file a claim for a loss your insurance company will dispatch an adjuster who will be either an independent or an “in house” adjuster. An independent adjuster represents multiple insurance companies and is generally paid a percentage of the claims they write/approve, and/or a show up fee for those they deny. An in house adjuster works solely for one company and is paid a salary.

It is important to note here; Through our 15+ years of serving customers needs, we see and deal with many of the same adjusters, day in and day out. So in all probability, we already know the individual who will be assigned to your property claim. The importance of having that working relationship, which has been built over the years, through honesty, and integrity in our dealings with them, cannot be overstated.

Though a company adjuster is sent to review your insurance claim, the full responsibility of preparing and proving the claim falls on the insured, or those representing the insured, not the insurance company. Without proper assistance in handling your claim, some coverage may be overlooked, structural and contents damages could be missed, and the claim could be prematurely closed without a full and proper settlement, leading to a reduction in the overall amount received. The adjusters primary concerns are to pay out no more than they have to, and to close the file as expediently as possible.

By keeping the claim process moving forward and carefully documenting the details and scope of work necessary to repair or restore the property, AllCraft Restoration is able to insure the repairs performed are done so in accord with the policy coverages, and performed in the shortest period of time possible.

We will be with you every step of the way working diligently to reduce your anxieties and concerns during a very emotional time. We provide, in house, all the necessary components that you will need to get back to normal such as mitigation, restoration, and reconstruction. There’s never a need to worry if the Insurance proceeds will be enough to rebuild what you’ve lost. Every aspect of work performed by AllCraft is done at Insurance company rates, figures, and monies. Meaning no out of pocket expense to you, and no need to haggle prices, try to schedule, and then oversee, multiple contractors or service providers.

We Handle it All for you.

Our claim recovery process includes the following steps:

Emergency Response
• Immediate site inspection to assess damages.
• Perform temporary repairs to secure structure from sustaining further damage.
• Outline with the insured and/or their advisors a recovery and continuity plan.
• Assist in reporting the claim to the insurance carrier and agent.
• Assist you in renting temporary housing, food allowances, and/or meeting other needs.

Insurance Claim Preparation and Documentation
• Meet with insurance company representatives to review scope of work to be performed.
• Provide building estimates to document the property loss.
• Assist in compiling a detailed inventory of all personal property, including backup documentation.
•Assist in preparing a business interruption claim including extra expense costs.
• Review claim with insured and/or Advisor to insure all scopes of work are covered.

Settlement, Repairs, and Recovery
• Submit all necessary paperwork relating to AllCraft and work(s) being performed to the insurance company.
• We have an ongoing dialogue with our clients throughout the adjustment process.
• We expedite the settlement, with final approval by the insured.                                            • Perform applicable / requested repairs, at the prices as negotiated directly with the  Insurance company.                                                                                                                 • Preparation of claim settlement documents (Certificate of completion, Depreciation request, etc), and seeing the claim through to final payment.

CALL US TODAY at (937) 839-2555

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