Posted by Leonard Theran, SPPA

Sep 15, 2018 7:27:01 PM

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Secrets of a Public Adjuster: What Really Happens After A Major Disaster?

Insurance companies are under tremendous pressure to respond to a claim as soon as possible. However, they have reduced the number of their property adjusters in recent years, and when a major calamity occurs such as  Hurricane Florence, they have to bring in adjusters from out-of-state to write an estimate for the cost of the repairs. The technical term for these adjusters is “Cat Adjusters,” which is short for “Catastrophe Adjusters.”

These Cat Adjusters wait for a widespread disaster to hit, such as hurricanes. They then work very hard for a few months and then move on to the next disaster, wherever it may be.
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Topics: public adjuster, flood, insurance claim, loss, water damage, hurricane

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 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

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 Professional Loss Adjusters

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

Jan 28, 2016 11:40:09 AM

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Never Settle For Less: Ice Dams and Water Damage


When Brian Lannery was called to his customer’s Newton Center, Massachusetts, home last February, he crossed paths with the homeowners’ insurance adjuster who was there to inspect water damage to the home as a result of an ice dam. Lannery, owner of Bourke Painting, a Newton-based contractor specializing in fine residential house painting, renovation and repair, was shocked at the short amount of time the adjuster spent inspecting the damage.

“He was only there briefly. His inspection was not very thorough,” noted Lannery.

A short time later, the insurance company offered the homeowners a settlement for the damage—a ridiculously low figure according to Lannery.

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Topics: insurance claim, water damage, ice dam

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