Posted by Howard Shore

Mar 11, 2018 8:18:00 PM

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7 Rules To Follow When You Have An Insurance Claim

So, you have an insurance claim. I can never stress enough how important it is to contact a public adjuster as soon as you can to assist you with your insurance claim and to help you navigate the complicated process of recovering from a disaster. But, the timing doesn't always happen that way.

So, the following rules will help you in the hours and days immediately following your loss and will help you determine these four things:

1) What to do
2) How to do it
3) When to do it, and
4) Should I do it?

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Topics: insurance claim, storm damage

Posted by Howard Shore

Mar 6, 2018 8:18:00 PM

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Will My Insurance Cover Tree Removal?

Many homeowners have had trees and branches come down from last week’s Nor'easter that hit Massachusetts, New Hampshire, Maine and much of the Mid-Atlantic coast. For most of us with homeowner's policies, there may be coverage to help pay for the removal of fallen trees. But, the devil is in the details.

Not all policies are alike, so my first piece of advice is to read through your policy to see how coverage is applied to fallen trees. Most policies have a section just a couple of pages into the policy that is titled “Additional Coverages.” Here you may find if your policy contains coverage for tree removal. 

But, there are a few things you show know. For instance, what is the specific terminology within your policy? Let's dive into that...

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Topics: storm damage, Nor'easter, tree damage

Posted by Leonard Theran, SPPA

Dec 12, 2017 8:13:00 PM

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Underinsured & Out of Time

West Valley Shopping Center on River Street in Fitchburg, Massachusetts, was home to Alexander Academy, a thriving cosmetology and barber school.

On the night of March 4, 2015, a four-alarm fire destroyed the entire shopping center, resulting in a total loss for not only the school’s owner, Phyllis Gertsios, but her mother, who owned the plaza.

Gertsios quickly discovered that her insurance policy would only cover a small percentage of the school’s contents, which totaled more than $300,000.

But’s that’s not all.

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Topics: public adjuster, Fire Loss, Commercial insurance claim

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 steps to help you avoid a water damage loss to your property and possessions.

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Topics: public adjuster, water damage

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 9, 2017 9:04:00 PM

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4 Things To Do If You Have a Water Damage Insurance Claim

After several extraordinary winters of snow and ice, there have been tens of thousands of homes and other buildings that have suffered damage from ice dams and subsequent water damage. Here is our opinion of what you should do to deal with this situation.

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Topics: public adjuster, water damage, ice dam

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 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