Homeowner Claims

Professional Loss Adjusters helps in every phase of the insurance claim process, as well as expediting payment. We get better results because we: 
  • Perform a thorough review and analysis of your insurance policy to determine what is required to maximize the recovery. 
  • Assist you in making the critical decisions that will affect your property as a result of the loss. 
  • Advise you as to how you can maximize the coverage in your insurance policy to enable you to recover as much as possible…as soon as possible. 
  • Make an on-site analysis of the building damage and prepare a detailed inventory and estimate of the cost to reconstruct the property and replace the contents. 
  • Attend to the detail work of a property and extra expense claim. 
  • Prepare, present and support an itemized claim package to your insurance company. 
  • Keep you apprised of the status of your claim and seek your approval before the claim is settled. 
  • Secure the best possible settlement in the shortest time frame.
Our service fee represents a small percentage of the claim settlement. This is offset by a better settlement than you would be able to obtain on your own.

We can never stress enough how important it is to contact us immediately upon discovering a disaster. In this instance, we were able to respond to this loss immediately. We photographed and documented the frozen basement before the ice melted, preserving the evidence of the loss.

We were able to prove to the insurance company the extent of the damage, and clearly illustrate that the oil burner and the controls needed to be replaced.

A major fire burned through a Victorian home in an average neighborhood. An insurance policy clause allowed us to increase the limit of the building coverage, provided we could prove the building was worth more than the insured amount.

We proved that the building was worth two-and-a-half times the policy limit. With our assistance, the homeowners were able to move into a new home in a much nicer neighborhood.

This Maine home was a complete loss. The insurance company’s adjuster wanted to settle this claim for less than the policy limit.

We took advantage of a clause in the homeowner’s policy and obtained a settlement that was 50% higher than the policy limit. 

This house was virtually destroyed, making it difficult to estimate the non-existent portions of the building and the contents damage. The insurance company’s “final” offer would not have provided sufficient funds for our client to rebuild a quality home. We were able to increase the settlement significantly enabling the homeowner to build a home of similar quality.

A lightning strike in late July caused a fire to the roof. There was substantial charring to the roof framing and significant water damage to the lower floors. The home was built in the late 1800’s as an estate for a wealthy industrialist. It had unusual features, including turrets, elaborate exterior trim, copper flashings and slate shingles, oversized stained glass windows, heavy mahogany doors, expensive wood flooring, raised oak paneling and custom hardwood moldings throughout.

The insured carried $582,000 in building coverage which allowed some leeway concerning the decision to make repairs.

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"Your company is definitely of great service to people like us who had no idea that the insurance company could become your foe when things like this happen. I would definitely recommend that others seek your professional help when having to deal with the insurance company in similar situations. On behalf of my family and myself, we would like to thank you and Howard Shore for all your help and services."

—Wendy V.