Visit Our Peril Public Adjusters Site Here



Check out some of our latest wins and testimonials:

RECENT RESIDENTIAL CLAIMS

Peril Public Adjusters

Why Hire a Public Adjuster?

Public adjusters ONLY represent you, the policyholder, and are never allowed to represent the Insurance Company. We put ourselves in between you and the insurance company to protect your interests and MAXIMIZE your policy claim. Public Adjusters are licensed and are regulated under strict rules and regulations. We have experience working for the insurance carriers giving us an advantage to knowing their policies and procedures and how to avoid costly mistakes. Public adjusters are trained to thoroughly inspect and estimate your complete damage while interpreting the terms and conditions contained in your policy and how those damages fit in. We work hard to make your final settlement include losses and reimburse you to the fullest value allowed under the terms of your policy.

Fire & Smoke Claims

Fire claims can be one of the most challenging and complex types of claims to handle. We oftentimes get involved after the loss restoration period has been started. Unfortunately, we see many policyholders that have signed contracts with restoration companies that do not put their best interests first. These types of decisions are needed to be made so soon after the loss that oftentimes incorrect decisions are made that will have lasting consequences on what is able to be recovered on the loss.

How destructive can a fire / smoke loss be?

There are several variables that go into the full extent of coverage on a fire/smoke loss. First and foremost, smoke and soot can spread through all the ductwork and into other rooms within the property that seemingly do not appear damaged. It can affect all electrical components such as outlets, sockets, fixtures, refrigerators, televisions, etc. It can also penetrate porous surfaces such as walls, insulation and carpet. Additionally, firefighting activities can further add to the scope of damage that affects the property. If a top floor of a property sustains fire damage and water is used to put out said fire, the water will pyramid through additional levels of the property, causing further damage throughout.

Read this investigative article “here”

Hurricane & Wind Damage Claims

The standard property insurance policy will cover direct physical damage from a windstorm. On one hand, if the damage is beyond obvious (entire roof or walls blown away), then a carriers determination on coverage is quite simple. However, if the damage is light, such as shingles that are missing, siding that has started to pull away from the structure, the carrier’s determination may not add up to the actual damage sustained. You need a Public Adjuster on your side to fight for the full amount owed to restore your property to pre-loss condition.

If the damage is catastrophic, needs such as additional living expense for a homeowner or business income loss for a business owner will come into play. There are also the items such as business inventory loss or personal property damage that might need to be taken into consideration. Having an expert on your side to guide you on these decisions is absolutely critical.

There is also the component of water damage from a wind created opening in the building envelope. We have seen, oftentimes, that the insurance carrier will state this type of water damage is due to wind-driven rain and is excluded in the policy. However, if the wind created opening was sustained and water subsequently damaged the property, this would not be an excluded coverage. The types of damage caused by water penetrating the property can be substantial. Insulation, drywall, electrical damage and even mold can occur. At Peril Public Adjusters, we take all the information provided and will work to document the evidence necessary to ensure you are restored to pre-loss condition.

Hail Claims

Don’t fall victim to your insurance carrier improperly denying a hail claim. Unfortunately, we see this all to often in our industry. Hail damage claims tend to be the most challenging claims to argue due to insurance policy coverage issues. While a severe hailstorm will create damages that are obvious enough to be undisputed by an adjuster, smaller hailstorms will oftentimes be overlooked or chalked up to wear and tear. Additionally, we see carriers writing to make a partial repair or patch job to the roof. The roof of a structure is one of the most important building components to your property and you need to have a team on your side to ensure a proper adjustment of your claim.

The standard property insurance policy will cover direct physical damage from a windstorm. On one hand, if the damage is beyond obvious (entire roof or walls blown away), then a carriers determination on coverage is quite simple. However, if the damage is light, such as shingles that are missing, siding that has started to pull away from the structure, the carrier’s determination may not add up to the actual damage sustained. You need a Public Adjuster on your side to fight for the full amount owed to restore your property to pre-loss condition.

If the damage is catastrophic, needs such as additional living expense for a homeowner or business income loss for a business owner will come into play. There are also the items such as business inventory loss or personal property damage that might need to be taken into consideration. Having an expert on your side to guide you on these decisions is absolutely critical.

There is also the component of water damage from a wind created opening in the building envelope. We have seen, oftentimes, that the insurance carrier will state this type of water damage is due to wind-driven rain and is excluded in the policy. However, if the wind created opening was sustained and water subsequently damaged the property, this would not be an excluded coverage. The types of damage caused by water penetrating the property can be substantial. Insulation, drywall, electrical damage and even mold can occur. At Peril Public Adjusters, we take all the information provided and will work to document the evidence necessary to ensure you are restored to pre-loss condition.

Frozen Pipes Claims

The standard property insurance policy will cover direct physical damage from a windstorm. On one hand, if the damage is beyond obvious (entire roof or walls blown away), then a carriers determination on coverage is quite simple. However, if the damage is light, such as shingles that are missing, siding that has started to pull away from the structure, the carrier’s determination may not add up to the actual damage sustained. You need a Public Adjuster on your side to fight for the full amount owed to restore your property to pre-loss condition.

If the damage is catastrophic, needs such as additional living expense for a homeowner or business income loss for a business owner will come into play. There are also the items such as business inventory loss or personal property damage that might need to be taken into consideration. Having an expert on your side to guide you on these decisions is absolutely critical.

There is also the component of water damage from a wind created opening in the building envelope. We have seen, oftentimes, that the insurance carrier will state this type of water damage is due to wind-driven rain and is excluded in the policy. However, if the wind created opening was sustained and water subsequently damaged the property, this would not be an excluded coverage. The types of damage caused by water penetrating the property can be substantial. Insulation, drywall, electrical damage and even mold can occur. At Peril Public Adjusters, we take all the information provided and will work to document the evidence necessary to ensure you are restored to pre-loss condition.

If you were affected by this past winter’s cold snap, look no further. Many property owners are questioning if their broken pipe leaks are covered by their insurance policy. Generally speaking, water damage resulting from a burst pipe will typically be covered. However, it falls on the policyholder to mitigate further damages – and quickly. It is during these high-pressure times that the correct decisions need to be made, and quite fast. Unfortunately, there are contractors out there that will take advantage of you and the situation. It is important that your agreement with the contractor is subject to approval by the insurance company. Ideally, it would be best to have your insurance adjuster and contractor agree to the scope of work prior to tear out. Having a Public Adjuster on your side to work through this complicated process upfront is always the ideal solution. However, we are still here to help if you have already started the process. As we head into what is sure to be another cold winter, it is important to understand that your carrier can cite negligence if you do not keep your property heated and have a pipe burst. This will lead to a flat out denial. Make sure to take proper precautions to maintain your property.

Appraisal & Umpire Services

Complimenting the full policy review, our disaster planning team will work with you to ensure we are equipped with the documentation of your property’s condition, inventory and records. Make no mistake, when a claim is filed your insurance carrier immediately works to investigate the claim. Adequate documentation, pre-loss, is of the utmost importance in the event of a claim.

After experiencing a peril, there will be several immediate issues to tend to, such as: emergency mitigation, temporary repairs, potentially relocating the business operations or tenants, etc. The last item a property owner wants to contend with is locating various documents and records, if they survived the catastrophe, in order to supply the carrier with their necessary requirements to pay the claim appropriately. Every second after the loss is critical and each move made could potentially cost 10’s of thousands of dollars to your business.

Having our team on your side to assist with the pre-planning and steps, post-claim, will be one of the best decisions you could make for your business.

Lightning Claims

The standard property insurance policy will cover direct physical damage from a windstorm. On one hand, if the damage is beyond obvious (entire roof or walls blown away), then a carriers determination on coverage is quite simple. However, if the damage is light, such as shingles that are missing, siding that has started to pull away from the structure, the carrier’s determination may not add up to the actual damage sustained. You need a Public Adjuster on your side to fight for the full amount owed to restore your property to pre-loss condition.

If the damage is catastrophic, needs such as additional living expense for a homeowner or business income loss for a business owner will come into play. There are also the items such as business inventory loss or personal property damage that might need to be taken into consideration. Having an expert on your side to guide you on these decisions is absolutely critical.

There is also the component of water damage from a wind created opening in the building envelope. We have seen, oftentimes, that the insurance carrier will state this type of water damage is due to wind-driven rain and is excluded in the policy. However, if the wind created opening was sustained and water subsequently damaged the property, this would not be an excluded coverage. The types of damage caused by water penetrating the property can be substantial. Insulation, drywall, electrical damage and even mold can occur. At Peril Public Adjusters, we take all the information provided and will work to document the evidence necessary to ensure you are restored to pre-loss condition.

Plumbing Claims

The standard property insurance policy will cover direct physical damage from a windstorm. On one hand, if the damage is beyond obvious (entire roof or walls blown away), then a carriers determination on coverage is quite simple. However, if the damage is light, such as shingles that are missing, siding that has started to pull away from the structure, the carrier’s determination may not add up to the actual damage sustained. You need a Public Adjuster on your side to fight for the full amount owed to restore your property to pre-loss condition.

If the damage is catastrophic, needs such as additional living expense for a homeowner or business income loss for a business owner will come into play. There are also the items such as business inventory loss or personal property damage that might need to be taken into consideration. Having an expert on your side to guide you on these decisions is absolutely critical.

There is also the component of water damage from a wind created opening in the building envelope. We have seen, oftentimes, that the insurance carrier will state this type of water damage is due to wind-driven rain and is excluded in the policy. However, if the wind created opening was sustained and water subsequently damaged the property, this would not be an excluded coverage. The types of damage caused by water penetrating the property can be substantial. Insulation, drywall, electrical damage and even mold can occur. At Peril Public Adjusters, we take all the information provided and will work to document the evidence necessary to ensure you are restored to pre-loss condition.

Tornado Damage Claims

The standard property insurance policy will cover direct physical damage from a windstorm. On one hand, if the damage is beyond obvious (entire roof or walls blown away), then a carriers determination on coverage is quite simple. However, if the damage is light, such as shingles that are missing, siding that has started to pull away from the structure, the carrier’s determination may not add up to the actual damage sustained. You need a Public Adjuster on your side to fight for the full amount owed to restore your property to pre-loss condition.

If the damage is catastrophic, needs such as additional living expense for a homeowner or business income loss for a business owner will come into play. There are also the items such as business inventory loss or personal property damage that might need to be taken into consideration. Having an expert on your side to guide you on these decisions is absolutely critical.

There is also the component of water damage from a wind created opening in the building envelope. We have seen, oftentimes, that the insurance carrier will state this type of water damage is due to wind-driven rain and is excluded in the policy. However, if the wind created opening was sustained and water subsequently damaged the property, this would not be an excluded coverage. The types of damage caused by water penetrating the property can be substantial. Insulation, drywall, electrical damage and even mold can occur. At Peril Public Adjusters, we take all the information provided and will work to document the evidence necessary to ensure you are restored to pre-loss condition.

Results: Insurance Carrier offered $22,020.
After our expert representation, insurance settled for $68,881.

RECENT COMMERCIAL CLAIMS

The standard Lorem

We represent residential, commercial, agriculture and multi-family insured property owners for all storm damage claims. Our experienced team has the knowledge, experience and proven results to help maximize your insurance claim. We take on the insurance adjuster and insurance carrier so they pay what’s owed. We are licensed and regulated by each State we’re licensed in. Roofers cannot provide this service, it is against the law. Complete the form below and we will contact you immediately. We can help you if you have or have NOT filed a claim.

Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature from 45 BC, making Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical Latin literature from 45 BC, making

Lorem ipsum dolor sit amet, consectetur adipiscing

No, we can assist you with that process once you have agreed to have us represent you

Yes. Once you have agreed to have us represent you.

Yes. We offer a free policy review and will review the documentation on why your claim was denied. There is a high chance that your claim should have been paid and not denied.

Yes. Underpaid claims are more common than you think.

In many cases, Yes. We will need to inspect the damage.

Submit a claim

Blank Form (#4) (#5)