Adjuster Services for Home & Business Claims

Hurricanes

The destruction caused by a hurricane can be devastating to your property, lifestyle, and business. In the aftermath of a hurricane, many home and business owners don’t know how to even begin to pick up the pieces. The complexity in assessing and properly categorizing hurricane damage inflicted upon their property is very overwhelming and the insured may fail to properly recognize and report all of their losses. The public adjusters of Compass Claim Solutions make sure that this is not the case those we represent.

Compass Claim Solutions is readily available to act as your trusted advocate, working solely on your behalf. While you focus on the safety and stability of your family or business, we take on the burden of dealing with the insurance claim process and all of the time-consuming details. We work methodically and thoroughly, becoming fluent in your policy, properly evaluating and documenting your damage, and will negotiate your claim for the maximum amount. Our goal is to help you recover as much as you can for your hurricane damage, and as quickly as possible.

Flood Damage

If your property suffered significant flood damage after a storm, you are probably unsure of exactly what your insurance will cover. No doubt you are confused by the language in your insurance policy. It may be hard to focus on properly filing a claim, preparing the documentation, and estimating the losses. In your haste to “make things right again,” you may not even feel the value of all of your time and effort has been worth it when you receive your settlement from the carrier.

Yes, it is likely that your insurer will try to minimize your settlement, offering a much lower amount than you should receive. You need experienced help to negotiate a satisfactory settlement. Compass Claim Solutions’ public adjusters have extensive experience in representing policy holders in the Greater Tampa Bay area and throughout all of Florida.

Plumbing Leaks

Have you had a sudden plumbing leak? With proper representation, a claim could help you recover the costs need to make the necessary repairs to your home. If you hire Compass Claim Solutions, one of our experienced public adjusters can file, or reopen your claim to collect all of the money you are owed.

Compass Claim Solutions has extensive experience in documenting, filing, and negotiating water damage insurance claims from accidental leaks, broken pipes, or overflow. No matter what type of problem you are going through, our experienced public adjusters have the expertise to help you recover from the damage to your property.

Fire Damage

Nobody wants to think about an event such as a fire in their home. However, accidents do happen and you never know when something might occur to your home. If your home is damaged in a fire it’s important to know the right steps to take. Rather than filing your claim and accepting whatever your insurance company offers, make sure you get the compensation you deserve. Hire an expert public adjuster from Compass Claim Solutions and you’ll be well on your way towards repairing your home and moving past this unfortunate event.

Wind/Storm Damage

As Floridians we know that even an afternoon thunderstorm can be very powerful. Many homeowners, after being offered a settlement from their insurance company, find that the damage is even more extensive, and realize that the amount settled for is far less than any contractor has estimated to repair.

Compass Claim Solutions’ reliable and knowledgeable public adjusters will defend your rights. We make sure your insurance company does not overlook any of the costs to repair or replace your property from damages caused by wind and storms.

Mold Damage

Did You find mold in your home or office? If so, you will need to file a claim with your insurance company. However, there are always insurance questions that come up. What is covered? What isn’t covered? How much will my claim be worth? Who pays for this? What if my claim is denied? Can I appeal this decision?

This is where a public adjuster can step in to help out. Public adjusters are agents representing the interests of policyholders in the settlement of claims arising from property damage. The job is to investigate and analyze claims. Compass Claims Solutions has public adjusters that are licensed and will take care of property owners’ insurance needs, including property loss or damage caused by mold and other environmental issues.

Lightning

For lightning losses that do not result in an ensuing fire loss, most damage is caused by the electrical surge that is produced by the strike. Although not always immediately known, lightning can cause catastrophic damage to appliances, electronics, computers and equipment, phone systems, electrical fixtures, and the electrical infrastructure of your home or business. The resulting damage may be far more significant than one initially believes, possibly leading to temporary loss of use (of the home) for the homeowner or significant loss of revenue for businesses.

It is important to determine where the electrical surge occurred as many insurance policies will not pay for losses that result from off premises power surges.

The primary challenge in assessing and measuring the scope of damage from any electrical loss is first to determine the scope of damage to the property. Are contents such as appliances, electronics, computers, and stereo equipment damaged? Are building items such as built-in telephone systems or electrical infrastructure damaged? Are the items repairable or a total loss? Our experts at Compass Claim Solutions can help you answer these questions and navigate the process to ensure you receive the compensation you deserve!

Theft & Vandalism

Although the majority of strategies and methodologies in adjusting theft and vandalism damage claim is similar to that of other losses, there are also unique aspects that require special attention and expertise.

Typical questions posed by insurance companies after receiving notice of a theft/vandalism claim are: Did a theft/vandalism actually occur? Did the policyholder actually own or possess the items being claimed stolen? What is the value of the item or items being claimed? Was there any related property damage such as broken windows, doors, locks, or equipment related to the theft or vandalism? It is absolutely critical that a police report be filed in claims involving theft and/or vandalism. You should make sure the police report and the report of items being claimed is accurate as to the list of items stolen. Should you discover additional items later be sure to update the police report and tell the insurance company you have filed a supplemental police report.

A detailed review and evaluation of the insurance policy must also be completed to determine the coverages within your policy.

Although theft/vandalism claims are very common, they can be some of the most complicated and time consuming matters to resolve. Let Compass Claim Solutions guide you through the insurance claims process.