AboutLorraine Cline

Posted by Lorraine Cline

Jun 20, 2018 11:27:00 AM

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How Can A Public Adjuster Get Me A Better Settlement?

You have just suffered an emotionally upsetting loss to your home or business. You now face the task of preparing and submitting a complicated claim to your insurance company—a task required by your policy.

For most, the preparation of a property damage insurance claim is unfamiliar and rough terrain: depreciation, exclusions, replacement cost, actual cash value... At times, the list seems endless, but it is your responsibility to prepare and prove your claim to the insurance company.
 
In order to be successful, you will need to have a thorough understanding of insurance coverages and the adjustment process. Given the scope of the loss you have just suffered, are you prepared to take on this task?
 
Many policyholders have asked the same questions: How do I estimate my loss? Will I recover enough to rebuild? Can I do this myself? Will the insurance company's settlement be fair and accurate?

Pictured here is Cambridge, Massachusetts condo that suffered a fire loss.

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Topics: public adjuster, building claim, business income claim, insurance claim, loss, loss adjuster, fire, condo, settlement

Posted by Lorraine Cline

Sep 17, 2014 11:46:00 AM

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Brunelle's Marina Bounces Back After Fire With PLA's Help

 

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Topics: public adjuster, business income claim, loss, fire, Massachusetts, insurance, claim, South Hadley

Posted by Lorraine Cline

Mar 6, 2014 12:25:00 PM

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Speaking To A National Audience About Business Interruption Claims

Leonard Theran, SPPA, principal of Professional Loss Adjusters, Inc. recently presented to a group of insurance industry professionals from across the country at the First Party Claims Conference (FPCC), which was held in Warwick, Rhode Island. The topic was “Major Business Interruption Cases—Made Simple.” Richard Lewis, Esq., an attorney with Reed Smith, LLP, one of the leading experts in Business lnterruption law in the country, was co-presenter. 

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Topics: public adjuster, property damage, insurance claim, loss, professional adjuster, New Hampshire, Maine, insurance adjuster, business income, loss adjuster, extra expense, FPCC, building damage, insurance, storm damage, property loss, Rhode Island

Posted by Lorraine Cline

Aug 1, 2013 2:37:00 PM

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Hail! Hail! Insurance Damage Claim Estimates Are Here!

The National Insurance Crime Bureau (NICB) recently reported that insurance claims resulting from hail-storm damage increased 84 percent in 2012 from their 2010 level. In 2010, there were 467,602 hail damage claims filed. That number increased to 689,267 in 2011 and to 861,597 in 2012—an overall increase of 84 percent from 2010 to 2012.

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Topics: public adjuster, property damage, New Hampshire, Maine, Massachusetts, insurance, claim, storm, Rhode Island, hail, Vermont, Connecticut

Posted by Lorraine Cline

Jul 23, 2013 2:54:00 PM

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10 Things To Do After A Fire or Flood

You have just suffered an emotionally upsetting loss to your property—maybe a fire, a flood, wind damage, water damage or another type of disaster. Large or small, you now face the task of preparing and submitting a detailed claim to your insurance carrier, not only because you need to be compensated for your losses, but because it is required by your insurance policy.

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Topics: public adjuster, property damage, insurance claim, loss, professional adjuster, New Hampshire, Maine, insurance adjuster, business income, loss adjuster, extra expense, building damage, storm damage, property loss, Rhode Island

Posted by Lorraine Cline

Jul 8, 2013 10:40:00 AM

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Real World Insurance Claim Example #2

Why Hiring A Public Adjuster Immediately After A Loss Can Save Your Claim

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Topics: public adjuster, property damage, insurance claim, homeowner, water damage, New Hampshire, Maine, insurance adjuster, loss adjuster, insurance, homeowner insurance

Posted by Lorraine Cline

Jun 21, 2013 1:26:00 PM

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Real World Insurance Claim Example #1

Why Hiring A Public Adjuster Immediately After A Loss Can Save Your Claim

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Topics: public adjuster, insurance claim, professional adjuster, homeowner, water damage, New Hampshire, Maine

Posted by Lorraine Cline

Apr 23, 2013 4:35:00 PM

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15 Things To Do After A Business Property Loss: A Checklist

With the news that Boston officials are allowing business owners to return to their stores and restaurants in the Copley Square crime scene area, the Boston Globe is reporting that many are not sure what they will encounter upon their return. Unaware of the exact nature of the damage, it is certain that many will have suffered a hefty loss to their property and contents as a result of the two bomb blasts on April 15. 

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Topics: public adjuster, Boston, insurance adjuster, bombings

Posted by Lorraine Cline

Feb 4, 2013 2:56:00 PM

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When Was The Last Time You Read and Understood Your Insurance Policy?

When Was The Last Time You Read and Understood Your Insurance Policy That Covers Your Home Or Business? Many people have difficulty understanding the technical language of their insurance policies and the complicated procedures they must follow to comply with the policy’s terms. At the same time, most people don’t realize that insurance company adjusters are trained professionals who represent the interests of the insurance company that employs them. So, who protects your interests when you suffer a loss? The only way you can protect your interests is by employing an accredited public adjuster whose sole responsibility is to serve you, the policyholder.

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Topics: public adjuster, professional adjuster, homeowner, NAPIA, business

Posted by Lorraine Cline

Jan 15, 2013 11:35:00 AM

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Little-known Benefits of Extra Expense Insurance

So, how do you allow a business not to fail after it suffers a loss?

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Topics: public adjuster, building claim, loss, professional adjuster, business income, loss adjuster, extra expense, building damage, insurance