Posted by Leonard Theran, SPPA

Sep 5, 2017 7:40:00 PM

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The Hurricane Has Hit. Now What Do You Do?

By now, we are all well aware of the unprecedented damage that has been caused by Hurricane Harvey in the Houston, Texas area. And, now there is news of another impending disaster. Hurricane Irma is heading for the U.S., and is a very large Category 5 storm with the potential to wipe whole cities off the map. 

With this in mind, I would like to provide some guidance with respect to dealing with damages caused by a disaster of this magnitude. Here is a list of some of the things you should do, along with some advice on how to deal with losses to your property and contents.

Okay, so you have three-to-four feet of water in your home or building. What should you do?

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Topics: public adjuster, insurance claim, hurricane damage

Posted by Mike Garofalo

Aug 3, 2017 7:38:00 PM

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7 Steps You Should Take To Avoid Water Damage Claims

So often we’re brought into insurance claims that could have been avoided if the property owner knew what to look for before the damage occurred. As a licensed Public Adjuster, I see this all the time. In addition to being a Public Adjuster, I am also a certified Water Remediation Specialist. Below, I offer you—the property owner—seven tips to help you avoid a water damage loss to your property and possessions.

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Topics: public adjuster, insurance claim, functional replacement coverage

Posted by Bruce Knowlton

Jun 6, 2017 7:36:00 PM

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Functional Replacement Coverage: How It Can Affect Your Insurance Claim

You’ve had a loss to your property. You want the damage fixed as soon as possible and you expect it to be restored to its original condition, using similar materials. After all, you’ve paid your insurance premiums on time and you have a great relationship with your insurance agent. This should be a no-brainer. Unfortunately, some insurance policy endorsements can make this process more difficult, including an endorsement known as “Functional Replacement.” 

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Topics: public adjuster, insurance claim, functional replacement coverage

Posted by Leonard Theran, SPPA

Mar 2, 2017 11:32:00 AM

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How Public Adjusters Deal with Difficult Inventory Insurance Claims

Many insurance companies have changed their procedures recently regarding Personal Property (contents) claims in homes and condos. The objective, in part, is to save money to offset losses due to the downturn in the economy.

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Topics: public adjuster, inventory claims

Posted by Leonard Theran, SPPA

Jan 20, 2017 7:45:00 PM

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Public Adjuster Michael Creed Joins the PLA Team


Professional Loss Adjusters, Inc. is pleased to announce that Michael Creed has joined the firm's Newton, Massachusetts office.

Michael is a 1983 graduate of St. Anselm College and resides with his family in Medway, Massachusetts. After graduating from college, he served as an officer in the United States Marine Corps. A Licensed Public Adjuster since 1990, he is currently licensed to adjust losses in Massachusetts, Rhode Island, New Hampshire, Connecticut, Maine, Vermont, Florida and South Carolina.

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Topics: public adjuster, insurance claims

Posted by Leonard Theran, SPPA

Oct 5, 2016 7:03:00 PM

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Time Is Running Out To File Ice Dam Insurance Claims

Ice dams caused extensive water damage in every room but one in this Brookline, Massachusetts home. The insurance company's initial settlement was ridiculously low. Without the work of Professional Loss Adjusters, the homeowners would never have been able to restore their home to its original condition.

Massachusetts Public Adjuster Urges Insurance Companies to Extend the Statute of Limitations on Ice Dam Claims

Leonard Theran, President of New England’s oldest and largest public adjusting firm (representing property owners who have insurance claims) is urging insurance companies to address lingering issues that are a result of the winter of 2015’s record snow and ice event. The winter of 2015 entered the record books as one of the most severe winters in the Northeast, with more than $2.4 billion in insurance claims filed as a result of the unprecedented 110+ inches of snowfall to the region. Ice dams accounted for the majority of the losses.

“It is hard to imagine, but we are still getting calls for help with claims for water damage caused by the ice dams from the winter of 2015. Nearly two years later, many homeowners are just now getting bids from contractors to repair damages. These homeowners are learning that the settlement they received from their insurance company is not nearly enough to cover the cost of repairs,” noted Theran.

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Topics: insurance claim, water damage, ice dam, statute of limitations

Posted by Leonard Theran, SPPA

Sep 8, 2016 9:30:00 AM

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5 Ways Property Managers Can Be Paid in the Event of an Insurance Loss


 It’s the call every property manager hates to receive: the first notification of what will turn into an insurance loss for the client. Sometimes it comes late at night or in the wee hours of the morning. Depending on the severity of the loss, it signals the beginning of what could be months of work above and beyond the normal scope of the job.

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Topics: insurance claim, Fire Loss, property manager

Posted by Lynn Knowlton

Jul 18, 2016 7:10:00 PM

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Hidden Coverages Increase Insurance Payouts in Maine

When was the last time you read your insurance policy? Terms like “stretch coverage,” “actual cash value,” “recoverable depreciation” or “Ordinance and Law” can mean very little to the average person, but can mean a lot in terms of sizable out-of-pocket expenses or money left on the table to an insured facing a building loss. The last thing anyone needs is the added pressure of becoming an expert on insurance terminology when faced with a loss.
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Topics: public adjuster, insurance claim, water damage

Posted by Leonard Theran, SPPA

Jun 9, 2016 7:00:00 PM

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Why Fire Damage Doesn't Have To Ruin Your Life


According to the National Fire Protection Association (NFPA):
In 2014, there were 1,298,000 fires reported in the United States. These fires caused 3,275 civilian deaths, 15,775 civilian injuries, and $11.6 billion in property damage. The NFPA offers these additional staggering statistics:

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Topics: public adjuster, insurance claim, Fire Loss

Posted by Leonard Theran, SPPA

Mar 16, 2016 2:40:01 PM

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Michael Garofalo Joins PLA


Professional Loss Adjusters, Inc. is pleased to announce that Michael Garofalo has joined the firm's Newton, Massachusetts office.

A former claims service specialist and
field property adjuster with an established insurance company, Michael has extensive experience in the construction industry and is a licensed home improvement contractor in the Commonwealth of Massachusetts. In addition, he is certified in water damage restoration. Michael holds an Associates Degree in Business Administration Management from Massasoit Community College and a Bachelors Degree in History from Bridgewater State College.

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Topics: public adjuster, insurance claims, ice dam