Residential Insurance Claims

Residential Insurance Claims

Damage to your home can be a devastating blow. Besides the loss of your home and personal possessions, your emotional state during this difficult time can make it hard to think clearly and objectively. That is why Fortitude Public Adjusters is here, we are experts in filing claims to get you the best settlement possible. As Public Adjusters, we work for you, advocating on your behalf, and never for insurance companies.

Public Adjuster

How We Help With Residential Insurance Claims

We value your well-being. This way you can worry about taking care of your family and regaining stability without missing a beat in the insurance claim process. As a reputable residential insurance public adjusting firm, here are some ways we help with the claims process:

Initial Assessment

We conduct a thorough evaluation of the damage to your property, including structural damage, contents affected, and potential loss of use.

Policy Review

We will review your insurance policy to understand the coverage and limitations relevant to your damage claim.

Precise Documentation

We will help gather all necessary documentation to support your claim, including photos, videos, receipts, and any other relevant evidence of the damage.

Negotiation with Insurer

We act as your advocate in negotiations with the insurance company to ensure you receive fair compensation for your insurance claim.

Settlement Maximization

We will ensure you receive the full amount you are entitled to under your policy.

Communication Liaison

We will handle all communication with the insurance company on your behalf, including submitting documentation, answering questions, and providing updates on the progress of your claim.

Navigating Home Insurance Claims

It can be confusing to understand how the home insurance claims process works. Check out our Residential Property Claim Guide for a comprehensive view of navigating home insurance claims.

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FAQs

It’s important to look through every detail of your insurance policy to understand the next steps and requirements. In your policy overview, you should find the defining items that are covered/not covered. Check out our “Guide to Homeowners Insurance Policies” to learn more about what your home insurance policy entails.

Most insurance policies include coverage for ALE (additional living expenses) when your home becomes uninhabitable due to a covered loss. You can review our ALE resource to get a better understanding of what ALE is and how it might impact you during such events.

Actual Cash Value (ACV) and Replacement Cost Value (RCV) are two different calculation methods used by insurance companies to determine the value of covered property if destroyed or damaged. Read more about ACV versus RCV to understand how your insurance company is calculating your coverage for fire damage claims.

It’s important to understand that an insurance adjuster has the insurance company’s best interest in mind when it comes to home insurance claims. That’s why public adjusters are so crucial because we work on your behalf to make sure you’re getting a fair assessment and payout.

Resources for Residential Insurance Claims

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Definition of Relevant Property Insurance Terms

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Residential Property Claim Guide

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Guide to Homeowners Insurance Policies