About Us
Representation for the Policy Holder
After years of working on almost all sides of the claims process, I came to the quick realization just how insurance companies are designed to operate. Basically, every insurance claim not handled by a public adjuster is underpaid, many between 50%-100%. Seems crazy, right? I want to be the voice for homeowners like you, who likely have never had to file a claim before and are completely unaware of how the process is actually suppose to work. Don't get fooled by "the guy" your insurance company sends out...remember who signs their paychecks. With nearly 10 years of experience dealing with roofs, interior and exterior damages, I would love to be able to get you what you deserve and bring you back to a pre-loss condition with no money out of your pocket.
Frequently Asked Questions:
WILL I GET A HIGHER SETTLEMENT IF I HIRE A PUBLIC ADJUSTER?
You’ll almost always receive a higher settlement from the insurance company if you use a public adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage. Typically, the more detailed and complete your claim is, the higher the settlement will be. We go through all the evidence step-by-step, carefully inspect the loss site, and accurately document the damage.
Studies have clearly demonstrated that the most inventories compiled by insured without the help of the public adjuster are very incomplete.
WHAT IS A PUBLIC ADJUSTER?
A public adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating an insurance claim. A public adjuster is the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.
WILL MY INSURANCE COMPANY CANCEL MY CONTRACT IF I HIRE A PUBLIC ADJUSTER?
No. It would be a serious violation for any insurance company to discriminate against you in any way for exercising a right given to you by the State of Ohio.
IF MY CLAIM HAS BEEN CLOSED BY THE INSURANCE COMPANY, IS IT TOO LATE TO HIRE A PUBLIC ADJUSTER?
Usually, it is not too late, we have helped homeowners reopen claims started as far back as 2 years. If you do not believe you were paid the right amount and would like us to review your claim, please contact us. We will carefully audit and analyze your claim and give you our professional opinion.
WHAT IS THE DIFFERENCE BETWEEN A PUBLIC ADJUSTER AND AN INSURANCE COMPANY ADJUSTER?
The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can’t protect both your interest and the interest of his/her employer at the same time. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder. A public adjuster is an insurance adjuster expert who works exclusively for you, the policyholder. We are experts in reading the fine print and understanding your policy, coverage, and the insurance company’s responsibilities in order to negotiate a better settlement.
WHO REGULATES A PUBLIC ADJUSTER?
A public adjuster is an insurance adjuster expert who is licensed by the Ohio Department of Insurance to work exclusively for the benefit of the policyholder.
WHO USES THE SERVICES OF A PUBLIC ADJUSTER?
Public adjusters are hired by individuals and all types of businesses and professionals, including attorneys, banks, accountants, business owners, and even insurance adjusters and agents for their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our help.
WHEN SHOULD I CALL VIRTUAL CLAIM ADVOCATES?
You should call us immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process.