Property Damage Losses

Homeowners Claims Recovery Process

Our Public Adjusters guide you through the entire claims recovery process, working to get you the maximum amount for your settlement.

1 Life & Safety Issues

  • They are first and foremost.

2 Mitigation of Damages

  • The policyholder is required to protect their property from additional damages and to mitigate the extent of losses both physical and economic.

3 Establish A Preliminary Recovery Plan

  • The claim process will take time, so plan accordingly.

    • Secure adequate temporary housing for you and your family.

4 Evaluation of Coverages

  • The policyholder must understand the terms and conditions of their policy, including coverage limitations, valuation methods, and their duties and responsibilities, for filing a claim. The time limitations are critical.

5 Valuation Of Damages, Claim Preparation, and Documentation

  • The policyholder is required to submit detailed itemized claims, with expert reports and estimates, for the various insured categories:

    Property Damage

    • Home & Personal Property

    Time Element

    • Additional Living Expenses (ALE)

    View Sample Claim

    View Sample Inventory

6 Negotiations & Settlement

  • The claim will be audited in detail and adjusted by the insurance company and their experts.  It is common to have differences, so prepare accordingly.

7 Restoration Of Property & Operations

  • You should not proceed with the permanent work until you have an agreement with the insurer.

  • If replacement cost coverage applies, the actual repair and rebuild decisions will affect your total claim recovery.

Contact Us

If you're suffering from a homeowner property claim, we can help!
Call us at 877.482.1234 or fill out the form below:
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Meet Your Public Adjuster
Steve Vanuga Headshot
Steven Vanuga
Through his extensive knowledge of both the insurance industry and property insurance policies, Steve is able to empower our clients to achieve maximum results from their property insurance claims.
Contact him today!