Disaster Recovery Adjusters. Experts in assisting property owners in the insurance claims process.
Would you go to court without legal representation? How about running a business without an accountant?
Recovering from a disaster alone can lead to physical, mental, and emotional exhaustion. Now, try interpreting a complex insurance policy, coverage issues, and the burden to prove every detail of your loss to the insurance company. Dealing with destruction to your property from a disaster is not something you can take on alone.
There are three types of “adjusters” who you may interact with over the course of the claim.
Public insurance claims adjusters are licensed professionals who represent the policyholder, not the insurance company. Following a disaster, public adjusters prepare detailed scope and cost estimates, often using experts to document the loss. Public adjusters also review and interpret the insurance policy to identify covered and uncovered items and negotiate with the insurance company toward a fair resolution under your policy.
What to Expect
We start with a complimentary phone interview to discuss your loss and answer your questions. If you’re a fit for our services, we’ll schedule a free onsite consultation. No upfront fee. We’ll explain our fee agreement during your consultation.
After we conduct an onsite inspection, we will review any existing documents, including your policy for endorsements and additional coverage.
We contact your insurance company to file the claim on your behalf. We will schedule the initial onsite inspection with them. If it is an established claim, we will discuss with your insurance company what documentation and actions are needed by them.
Once the insurance company reviews coverage and evaluates the damages, we compare the insurer’s estimate and payments with the documented damage and applicable policy coverage. Where needed, we provide supporting reports and documentation at our expense and present them to your insurance company.
Many people don’t realize that the insurance company doesn’t automatically pay their insurance claim. Instead, the burden lies with you to prove the claim to be compensated for a loss. When a disaster strikes, the insurance company has adjusters, building engineers, claims managers, and supervisors all representing their interests. Who do you have representing yours?
There are many different forms of insurance policies, coverages, and endorsements that differ greatly between insurance companies. Knowing what is included and excluded within your policy is key to understanding what is covered and not covered when it comes to recovery.
Engaging a public adjuster soon after a disaster can help. The actions taken right after a loss to document the damage and communicate with the insurance company are important to how your claim is resolved.
Public Insurance Claims Adjusters get higher payouts (on average) for policyholders than they get on their own. A study conducted by OPPAGA (Office of Program Policy Analysis & Government Accountability) proved this when looking over one insurance company’s claims. When a policyholder files a claim on their own, they received a payout of about $2,029.00. When they used a Public Adjuster the claim payout, on the same claim, was around $17,187.00. See full OPPAGA report here.
Disaster Recovery Adjusters also has a 24/7 Emergency Services for board-up or water cleanup. For further information please call our main office at 814-882-7797.
Get In Touch
24/7 Support
We’re available 24/7 to answer your questions about the insurance claims process. You can reach us by telephone or email.
Call Us
You can reach us any time, at:
Erie, PA
(814) 882-7797
Pittsburgh, PA
(412) 996-9117
Cleveland, OH
(216) 353-4704
Centreville, VA
(571) 771-8917
Email Us
Rapid response, via Jeremy@DRA-LLC.com