Public insurance adjuster

[Sue Doe-Nym]

Originally Posted by TiltonBB

Sent you a PM

We both searched....no P M.

[upthesaukee]

Originally Posted by Sue Doe-Nym

We both searched....no P M.

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

Dave

[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

[thinkxingu]

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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[TiltonBB]

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]

You might try Fraser Insurances Services on Green Street in Concord

[Fishinfergy]

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]

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]

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]

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]

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]

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]

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.

[Sue Doe-Nym]

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.