Public insurance adjuster

Sue Doe-Nym · 02-15-2020, 05:45 PM

We are in need of a reputable public insurance adjuster to represent us in negotiations with our insurance company re property damage due to flooding. We are looking to replace and renovate the property as it was, having it done properly, not cutting corners. We are not intending to fleece the insurer, but we want it done right! Any help steering us in the right direction would be greatly appreciated. If there are ones we should avoid, please share that information with us. Many thanks.
Sue

TiltonBB · 02-15-2020, 09:48 PM

Sent you a PM

Sue Doe-Nym · 02-15-2020, 10:46 PM

Quote:

Originally Posted by TiltonBB

Sent you a PM

We both searched....no P M.

upthesaukee · 02-15-2020, 11:00 PM

Quote:

Originally Posted by Sue Doe-Nym

We both searched....no P M.

Send TiltonBB a p.m. and he can reply.

Dave

SAMIAM · 02-16-2020, 08:16 AM

Infuriating,isn't it? You pay for insurance for years and finally have a claim and they try to debunk,depreciate and devalue everything that they can.
We had a claim years ago for damage from an accidental sprinkler discharge and we anded up doing as you are.Sorry.can't remember the name of the adjuster

thinkxingu · 02-16-2020, 08:40 AM

Quote:

Originally Posted by SAMIAM

Infuriating,isn't it? You pay for insurance for years and finally have a claim and they try to debunk,depreciate and devalue everything that they can.
We had a claim years ago for damage from an accidental sprinkler discharge and we anded up doing as you are.Sorry.can't remember the name of the adjuster

Sorry to throw this thread off-topic, but is this a publicly offered service? Specifically, do we have public workers who represent clients against insurance companies? I've never had the need for one, but I remember a case some years back in my town about an insurance refusing to replace burnt support beams in a house because they could be "sealed and painted" instead.

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Sue Doe-Nym · 02-16-2020, 09:18 AM

Quote:

Originally Posted by SAMIAM

Infuriating,isn't it? You pay for insurance for years and finally have a claim and they try to debunk,depreciate and devalue everything that they can.
We had a claim years ago for damage from an accidental sprinkler discharge and we anded up doing as you are.Sorry.can't remember the name of the adjuster

Yes....it is infuriating! We refuse to accept shoddy work, and we trust our contractor 100%. We would prefer not to need to pay for a public adjuster, but the difference between the estimates means we’d be out of pocket a substantial amount. Hopefully we’ll get some ideas from forum members.

TiltonBB · 02-16-2020, 09:26 AM

Quote:

Originally Posted by thinkxingu

Sorry to throw this thread off-topic, but is this a publicly offered service? Specifically, do we have public workers who represent clients against insurance companies? I've never had the need for one, but I remember a case some years back in my town about an insurance refusing to replace burnt support beams in a house because they could be "sealed and painted" instead.

Sent from my SM-G950U using Winnipesaukee Forum mobile app

No, they are private companies that will work with and negotiate with your insurance company to settle the claim in your best interest. Some get more involved like making arrangements for clean up, boarding a building after a fire Etc.

Many work for 10% of the claim amount but the theory is that they will increase your settlement by more than the 10% so it is a win for you. They generally know the law and more angles than you do so they can be of some help. I just settled a claim less than three weeks ago for a property that had a building fire and would be glad to share my experience and suggestions.

NH.Solar · 02-16-2020, 10:36 AM

You might try Fraser Insurances Services on Green Street in Concord

Fishinfergy · 02-18-2020, 09:37 AM

Quote:

Originally Posted by NH.Solar

You might try Fraser Insurances Services on Green Street in Concord

Fraser is an independent claims service company. They work for many different insurance companies, not the home or business owner themself.

Descant · 02-18-2020, 12:42 PM

Quote:

Originally Posted by Fishinfergy

Fraser is an independent claims service company. They work for many different insurance companies, not the home or business owner themself.

Good info. Welcome to the Forum.

Sue Doe-Nym · 03-23-2020, 08:23 PM

This is an update on a claim we had in January, when we had tremendous damage from a burst pipe. Our entire first floor was and still is a total disaster. The good news is that we finally hired a public adjuster to represent us as we were originally miles apart in the damage $$$ amount, and we could not be more pleased with the results achieved by Beacon Adjustments in Manchester. We will now be able to move forward with the extensive reconstruction that will be required. My advice to anyone with a large insurance claim: do yourself a favor and let someone knowledgeable in the industry fight your battles.

Descant · 03-24-2020, 05:01 PM

Quote:

Originally Posted by Sue Doe-Nym

This is an update on a claim we had in January, when we had tremendous damage from a burst pipe. Our entire first floor was and still is a total disaster. The good news is that we finally hired a public adjuster to represent us as we were originally miles apart in the damage $$$ amount, and we could not be more pleased with the results achieved by Beacon Adjustments in Manchester. We will now be able to move forward with the extensive reconstruction that will be required. My advice to anyone with a large insurance claim: do yourself a favor and let someone knowledgeable in the industry fight your battles.

Glad to hear it is finally working out. Does a public adjuster work on commission? Flat rate? Hourly?

Sue Doe-Nym · 03-24-2020, 06:17 PM

Quote:

Originally Posted by Descant

Glad to hear it is finally working out. Does a public adjuster work on commission? Flat rate? Hourly?

I believe most work on commission, a percentage of the recovered amount. Also, thanks for your kind words.

Fishinfergy · 03-24-2020, 07:18 PM

Great news! Always get help on unchartered waters!

All of the public adjusting contracts are approved by the state and the fee is typically 10%. Just be clear with what the company is charging on. Some charge on some aspects others do not. Hope this helps!

Sue Doe-Nym · 03-24-2020, 07:52 PM

Quote:

Originally Posted by Fishinfergy

Great news! Always get help on unchartered waters!

All of the public adjusting contracts are approved by the state and the fee is typically 10%. Just be clear with what the company is charging on. Some charge on some aspects others do not. Hope this helps!

Our main concerns relate to reconstruction of the first floor, which is extensive. For now, we are not as crazed by the contents, but if we run into problems with that, we can engage the adjuster for assistance. It’s well worth the cost to have someone knowledgeable take the reins at such a stressful time.

02-15-2020, 05:45 PM	#1
Sue Doe-Nym Senior Member Join Date: Jul 2009 Posts: 1,434 Thanks: 751 Thanked 792 Times in 415 Posts	Public insurance adjuster We are in need of a reputable public insurance adjuster to represent us in negotiations with our insurance company re property damage due to flooding. We are looking to replace and renovate the property as it was, having it done properly, not cutting corners. We are not intending to fleece the insurer, but we want it done right! Any help steering us in the right direction would be greatly appreciated. If there are ones we should avoid, please share that information with us. Many thanks. Sue

02-16-2020, 10:36 AM	#9
NH.Solar Senior Member Join Date: Jan 2017 Location: Jackson Pond, New Hampton Posts: 240 Thanks: 48 Thanked 142 Times in 79 Posts	You might try Fraser Insurances Services on Green Street in Concord __________________ Peter NH Solar

03-23-2020, 08:23 PM	#12
Sue Doe-Nym Senior Member Join Date: Jul 2009 Posts: 1,434 Thanks: 751 Thanked 792 Times in 415 Posts	Excellent outcome in insurance claim This is an update on a claim we had in January, when we had tremendous damage from a burst pipe. Our entire first floor was and still is a total disaster. The good news is that we finally hired a public adjuster to represent us as we were originally miles apart in the damage $$$ amount, and we could not be more pleased with the results achieved by Beacon Adjustments in Manchester. We will now be able to move forward with the extensive reconstruction that will be required. My advice to anyone with a large insurance claim: do yourself a favor and let someone knowledgeable in the industry fight your battles.

02-15-2020, 09:48 PM	#2
TiltonBB Senior Member Join Date: Feb 2005 Location: Gilford, NH and Florida Posts: 3,020 Thanks: 703 Thanked 2,203 Times in 937 Posts	Sent you a PM

The Following User Says Thank You to upthesaukee For This Useful Post:
Sue Doe-Nym (02-15-2020)

02-16-2020, 08:16 AM	#5
SAMIAM Senior Member Join Date: Apr 2004 Location: Moultonborough Posts: 2,905 Thanks: 337 Thanked 1,680 Times in 589 Posts	Infuriating,isn't it? You pay for insurance for years and finally have a claim and they try to debunk,depreciate and devalue everything that they can. We had a claim years ago for damage from an accidental sprinkler discharge and we anded up doing as you are.Sorry.can't remember the name of the adjuster

The Following User Says Thank You to TiltonBB For This Useful Post:
thinkxingu (02-16-2020)

The Following User Says Thank You to NH.Solar For This Useful Post:
Sue Doe-Nym (02-16-2020)

03-24-2020, 07:18 PM	#15
Fishinfergy Junior Member Join Date: Feb 2020 Location: Newburyport & Laconia Posts: 15 Thanks: 0 Thanked 5 Times in 5 Posts	Great news! Always get help on unchartered waters! All of the public adjusting contracts are approved by the state and the fee is typically 10%. Just be clear with what the company is charging on. Some charge on some aspects others do not. Hope this helps!