Our Public Adjuster Services
As the leading public adjusting firm in Wisconsin, Fortitude Public Adjusters is here to help you with all your residential, commercial, or appraisal insurance claim needs.
Residential Insurance Claims
A residential insurance claim occurs when your home or personal belongings are damaged by a covered peril. By submitting a residential insurance claim, you are asking your insurance provider to pay for your losses.
Why Do I Need a Public Adjuster?
Most homeowners have little or no experience handling an insurance claim. Knowing this, your insurance company will do everything it can to deny you the settlement you rightfully deserve. Luckily, a public adjuster, like Fortitude Public Adjusters, can help you fight back.
How Our Team Will Help:
- Review your policy: We’ll comb through the “fine print” of your insurance policy until we understand all coverages and exclusions.
- Document damage: From taking photographs to evaluating damage, we’ll collect evidence to substantiate your claim.
- Submit evidence: We’ll assemble, prepare, and submit all the evidence needed to support your residential claim.
- Handle negotiations: We’ll advocate on your behalf, negotiating with your insurance company until you have a fair settlement.
- Cleanup and recovery: We don’t disappear once a settlement has been reached! We’ll help with recovery, making sure your life gets back on track.
Commercial Insurance Claims
A commercial insurance claim is very similar to a residential insurance claim, except it occurs when your business, business property, or related assets are damaged by a covered peril.
Why Do I Need a Public Adjuster?
A commercial insurance claim often involves strict conditions, exclusions, and coinsurance clauses. They’re also meant to encompass more nuanced financial losses, such as business interruptions. A public adjuster will know how to calculate all this to ensure an accurate payout.
How Our Team Will Help:
- Review your policy: We’ll review your commercial insurance policy, checking for endorsements, riders, or business interruption coverage.
- Business interruption analysis: To capture the full extent, we’ll measure lost income, ongoing expenses, and financial impacts to your business as a result of the loss.
- Submit evidence: We’ll assemble, prepare, and submit all the evidence needed to support your commercial claim.
- Handle negotiations: Commercial claims are often more complex and higher in value than residential claims, and we’ll make sure the settlement reflects that.
- Get operations running: We don’t disappear once a settlement has been reached! We’ll help get your business’s daily operations back on track.
Insurance Claim Appraisal Services
An insurance appraisal is a policy process that is designed to resolve monetary disputes between the policyholder and the insurance company. If you don’t approve of the amount of loss, and an agreement cannot be reached, you can demand an appraisal.
Why Do I Need a Public Adjuster?
Fortitude Public Adjusters will act as your unbiased professional, examining the current claim and estimating the value of the sustained loss. If we determine that the amount your insurance provider is offering isn’t accurate, we’ll dispute it.
How Our Team Will Help:
- Serve as your appraiser: By serving as your appraiser, we’ll re-inspect your damaged property in order to build a detailed, accurate estimate of the loss.
- Review insurer’s estimate: We’ll look at the estimate submitted by your insurer and see where they may have undervalued or incorrectly priced the loss.
- Negotiate with the insurer’s appraiser: Your insurance provider will also have an appraiser, and we will attempt to reach a negotiation with them.
- Select an umpire: If negotiations can’t be reached, we’ll select an umpire. This is a neutral, fair, and experienced third-party who will review the case.
- Present the case: We’ll present the case to the umpire and cite all our supporting evidence to make the strongest case for our settlement estimate.
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About
Fortitude Public Adjusters
At Fortitude Public Adjusters, there’s a reason we understand the complicated ins and outs of the claims process: because we started our careers working for insurance companies.
That’s why we’re Wisconsin’s most trusted choice for public adjusting services! By leveraging our extensive knowledge in all things related to property policies, we’re able to predict the sneaky tactics insurance companies will use to cheat you out of a fair payment. We’ll fight on your behalf, providing valuable support during the challenging claims process.
Frequently Asked Questions
Is it better to contact a public adjuster before filing a property insurance claim?
It is always better to contact a public adjuster BEFORE filing your claim. This ensures that you don’t waste time and get your payment sooner. However, if you have already filed your claim, don’t panic! A public adjuster can jump into the process at any time!
How does Fortitude determine the value of lost possessions?
This can be one of the hardest steps when filing a claim. That’s why we’ll help you go item by item and determine exactly how much it will cost to replace your damaged possessions. Unfortunately, some things, like family photos or heirlooms, are irreplaceable. But we will still do our best to get you a fair price for everything you’ve lost. That way, when we’re done dealing with your insurance company, you can feel like you’re back in your rightful, pre-loss home or business.
Does a public adjuster handle everything? Will I still have to deal with my insurance company?
Once you hire a public adjuster, the process for you is almost completely hands-off. You may still be required to provide some information and make yourself available to talk with estimators, but the public adjuster will still be with you during these parts of the process.
How long will it take for my property insurance claim to be settled?
This depends on the type of claim that you are filing, its value, and your insurance company. Some companies are notorious for taking much longer to pay out settlements, while others are easy to work with.
It’s also important to note that the larger the amount of money you get in your settlement, the longer it will typically take (because the insurance company doesn’t want to pay out that much). Regardless, you can expect the process to be much quicker than if you had gone it alone.
