Get the help you need on your property damage from the February 2023 Norman, Oklahoma tornadoes. Our team of industry-leading insurance claim experts can assist you in receiving the settlement you need.
Even “small” tornadoes can inflict tremendous damage on a property – including visible damage to roofs, windows, and siding and less obvious damage like foundational cracks. Often the confusing twists and turns of tornado damage insurance claims lead policyholders to settle for less than they need to fully restore their property.
In times like these, it can be overwhelming to deal with the aftermath of a natural disaster. Insurance policies can be complicated, and the process of filing a claim and negotiating with your insurance company can be stressful and time-consuming. That’s where a public adjuster comes in.
Our team of public adjusters work with engineers, storm restoration professionals, and other damage experts to document every detail of your property damage and represent your claim to the insurance company – getting the full settlement you need.
If you have been impacted by the recent tornadoes in Norman, Oklahoma, it’s important to seek an opinion on your claim from a public adjuster. They can help you navigate the insurance claims process, ensure that you receive a fair settlement, and help you avoid common mistakes. This can save you time, stress, and money, allowing you to focus on getting your life back to normal as quickly as possible.
A public adjuster is a licensed professional who works on behalf of the policyholder to help them navigate the insurance claims process. They are experts in evaluating property damage and assessing the cost of repairs or replacement. They can also help policyholders understand their insurance policy and negotiate with the insurance company to ensure that they receive a fair settlement.
If you are a resident of Norman, Oklahoma, who has been impacted by the recent tornadoes, there are several reasons why you should consider hiring a public adjuster:
1. A public adjuster can help you get a fair settlement.
Insurance companies are in the business of making money, and sometimes they may try to minimize the amount they pay out on a claim. A public adjuster can help ensure that you receive a fair settlement that covers the full cost of repairing or replacing your damaged property.
2. A public adjuster can save you time and stress.
Dealing with the aftermath of a natural disaster can be overwhelming. Hiring a public adjuster can take some of the stress off your plate, as they can handle the claims process on your behalf. This allows you to focus on other important tasks, like repairing your property and getting your life back on track.
3. A public adjuster can help you avoid common mistakes
Our team is comprised of an incomparable investigations team of certified Level 3 Xactimate estimators, and Public Adjusters that have experience handling some of the most complex insurance claims. Each member of our team is committed to putting people first, making sure every question is answered, and an open line of communication is in place throughout the process. We value transparency to ensure all of our clients know exactly what to expect and are involved in any decisions or issues that may arise. Our team prides itself on producing a proven work product that relies on our fanatical attention to detail and data-driven results. This allows our work product to speak for itself, eliminating many carrier arguments from the beginning of the claim process to a quick and accurate settlement.
Policyholders should not have to just settle when it comes to their property damage insurance claims. We believe they should Settle For Better.
Understand the important things to consider and get answers to your top questions about your tornado damage property claim.
It’s best to contact a professional to validate damages BEFORE you notify your insurance company in order to avoid a frivolous claim. There are no hard and fast rules on what warrants damage. For example even 1″ hail and 60 mph gusts can cause damage depending the surface it impacts. (Watch this video for an example.)
Typically an “act of god” claim will not increase your premium. However, even if you don’t submit a claim or are not affected by a large catastrophic storm, you may see a rate increase as many other people submit claims.
Who do you trust, your contractor or your insurance adjuster? If you have an active claim and you have a large dispute between the amount paid by insurance and what your contractor is stating, it’s a good idea to contact a public adjuster, who can assist you in disputing the claim.
If you have a claim denial or a partially denied claim, it is a good idea to have a licensed public adjuster or attorney review the file to provide a secondary coverage opinion. Our team can review your claim for free.
A qualified restoration contractor can provide an estimate and guide you through the residential claims process. However, if you own or manage a commercial property, policies become more complex and require more detailed reviews of coverage. Oftentimes, insurance companies will require detailed estimates written in a software program, Xactimate. And unfortunately, the vast majority of commercial property claims are underpaid. Our team is certified in Xactimate and includes one of only 48 Xactimate Certified Trainers in the nation. We also have the insurance knowledge and industry expertise you need to ensure your claim is filed accurately, negotiated professionally and paid fairly.
This is a common problem with some insurance companies and it’s unfair and in some states – illegal. Overhead and profit, (“O & P”) is a known expense that all contractors charge, usually at a rate of 10% and 10%. Sometimes insurers will not pay this on the roofing portion of the claim because they believe it’s already part of the Xactimate estimate. Check out our white paper to learn why this is incorrect.
A public adjuster can help with scaling your company by taking out the everyday minutia of writing an estimate, corresponding with stakeholders and insurance company reps and navigating policy intricacies. We also have the training and expertise to handle claim red flags on behalf of you and your customer, including when/if to engage an engineer, policy coverage, delays, unwarranted denials or underpayment. Furthermore, there are legal limits to what a contractor can do when dealing with insurance claims. Contractors working with policyholders should check the public adjuster statutes in their jurisdiction to ensure they are not acting as an unlicensed public adjuster when assisting in claims.