Since 2009, we have participated in thousands of major insurance losses.
Where we thrive…
Fire Damage.
The amount you're paid will depend on the kind of coverage you have. While “replacement cost” coverage should cover the cost of repairing or replacing your home and any lost or damaged items, “actual cash value” coverage will pay you the value of your home and the damaged items inside, less depreciation.
To make sure you get your due, Take Action here.
Water Damage.
A leaking hot water heater or burst water pipe can quickly damage your home and belongings. Because water damage may be hidden behind walls, under carpets and in unseen areas, clean-up should be handled as quickly as possible. And oftentimes by a professional.
Storm Damage.
Act quickly. Filing a claim with your insurance company for storm damage in a timely matter is important for a couple reasons. Most insurance policies limit your time to file a claim, which makes being quick to connect essential. You’ll also want to repair the damage to your home or property before it has a chance to get worse, so reporting your claim early is the best approach.
Appraisals
California Insurance Code requires the appraisal procedure to be contained in every policy containing fire coverage, and it is frequently found in other property and casualty policies. It is critical for all insurance agents to understand the appraisal process so they can advise their clients what an appraisal is and what the process entails should clients incur a loss. Prior to 2001, the appraisal procedure was mandatory. In 2001, Section 2071 of the Code was amended to narrow the circumstances under which the parties can be compelled to participate in an appraisal. That created uncertainty about what the circumstances are. We navigate these uncertainties on a daily basis while moving the dial on digit at a time.
Umpires.
Insurance appraisal is a binding alternative dispute resolution process that typically involves two independent appraisers who evaluate the claim, compare notes, and come to an agreement. When a disagreement arises between the property owner’s appraiser and the insurance company’s appraiser, an impartial umpire is suggested and agreed upon by both appraisers. With our extensive insurance, construction, and loss adjusting experience, we are often called by appraisers and property owners to act as impartial umpires during the insurance appraisal process
Construction Defect.
A construction defect is generally defined as a defect in the design, the workmanship, and/or in the materials or systems used on a project that results in a failure of a component part of a building or structure and causes damage to person or property, usually resulting in financial harm to the owner.
Construction defect expert witnesses may be called upon to offer an expert opinion on the possible source of the construction defect, which could be the fault of construction employees, general contractors, construction management, construction inspections or other departments involved with the construction process.