Eventually, most homeowners will sustain a loss of some type to their homes and need to make an insurance claim for property damages. It is important to understand that most insurance companies are “for-profit” businesses that are in business to make money. Insurance policies are not a commodity that are equal across companies and if they claim to save you money, how exactly are they saving you money? Insurance companies have a responsibility to their insureds to provide prompt and professional service, while attempting to keep their rates as reasonably affordable as possible.
In order to keep the rates low and the profits high, they need to find the most effective ways to save money and the most logical place to do it is to the minimize the value of the claims or not cover the claims by excluding or limiting coverage, sometimes, acting in “Bad Faith”. According to Dictionary.law.com, “Bad Faith” is defined as: intentional dishonest act by not fulfilling legal or contractual obligations, misleading another, entering into an agreement without the intention or means to fulfill it, or violating basic standards of honesty in dealing with others.
This happens with all types of insurance claims to include Homeowners claims, Business owners claims, automobile claims, liability claims, worker’s compensation claims, and heath insurance claims. Ultimately, it is to their advantage to try to find ways to save money by not paying what is actually owed for your claim. The most common way that they do this is by either, utilizing what they feel is the most cost effective repair process, cutting corners on the repair or by denying your claim altogether.
Don’t get me wrong; there are many insurance companies out there who do not look for ways to deny legitimate or covered losses or use cheap repair/replace methods, but the sad fact is that most insurance companies will attempt to find reasons to either deny your claim or write estimates that are far less than what it actually costs to get the work done by a quality repair company.
Denying a claim is a serious thing. In fact, Insurance Companies have an obligation to attempt to find coverage for a claim because exclusions and limitations should only to be applied narrowly, meaning that if the exclusion is vague, ambiguous or can be easily misconstrued or misunderstood, the exclusion should not apply. Furthermore, the exclusion must be specific to the proximate cause of loss.
For instance: I have seen insurance companies deny wind damage to a roof because the roof was worn or improperly installed. The proximate cause of loss was wind, however, they tried to deny the roof for wear and tear rather than wind, saying that if the roof wasn’t worn out, the wind would not have damaged the roof. This is a perfect example of a misapplied exclusion. The exclusion should only apply to the proximate cause of loss, unless otherwise stated, as in flood exclusions. An example of when the wear and tear exclusion would apply would be if water leaks through your roof because your roof is worn out and cracking over time. The wear and tear resulted in water damage to the interior. No sudden and accidental occurrence resulted in damage to your roof so the roof would not be covered because the wear and tear exclusion would apply; However, if you have an “All Risk” policy, the interior water damages may be covered. Again, some Insurance companies have misapplied the wear and tear exclusion to extend to the water damage when it should have been covered. This is also the same with failures of pipes/appliances. The “All Risk” polices may not cover the wear and tear and deterioration of the plumbing part of appliance, but it may cover the resulting ensuing water damages.
Coverage, on-the-other-hand, must be applied broadly, which means that the Insurance company MUST attempt to research your policy diligently to see if there is any way to cover your claim. If the claim was denied by the insurance company when it should have been paid, the Insured has a right to appeal to the State Department of Insurance. The Department of Insurance, in most cases/states, takes these matters seriously and will force the insurance company to either pay the claim or explain in writing why the claim was denied by showing them a copy of your policy and how they came to that conclusion. Most state insurance laws require all denials be in writing and that the insurance companies not only cite the policy language, but MUST explain how and why the exclusion applies to your claim. What is it that they found with your claim that triggered the policy exclusion or limitation?
I have seen denial letters that violate the requirement for the specific explanation of how the exclusion applies to your claim, by just citing policy language without referencing how it applies to the claim. In most states, this is considered an act of Bad Faith on the part of the insurance company. If the insurance company cites a “rot” exclusion, they must provide an explanation of how “Rot” applies to your claim. If they found “Rot” they need to explain what was rotten with your property. They should write a paragraph of exactly what they found that triggered the “Rot” exclusion.
Although each state is different, as mentioned above, most states require the insurance company to find a way to pay the claim unless the reason for the denial is black and white. If there is a gray area, the decision should be in favor of the insured because the average homeowner’s policy is a contract of adhesion, which means that the insurance company dictates what they cover in the policy/contract and you, the insured, must adhere to that contract.
Sometimes, a denial of coverage by the insurance company is accurate and it is usually straight forward. For instance: Damage caused by flood or water which seeps through a foundation or window, doorway, etc., is usually specifically denied under most policies and rarely will they offer an endorsement that will cover these sort of losses. Again, they should at minimum, provide a denial letter that explains specifically what evidence they discovered and how that evidence supports their reason for applying a specific exclusion. Exclusions should NEVER be kitchen sink exclusions. In-other-words, they can not cite policy language for several different exclusions that may or may not apply. They need to provide a narrative explanation of how each citation of an exclusion applies to your claim. All to often the “Kitchen sink” denial letter is sent out and again, this is considered an act of “Bad Faith” in many states.
It is important to understand the type of policy that you have, as there are many different types of policies, For instance, when it comes to homeowners policies, there are usually two major types of coverage, “All Risk” (aka “Open Peril”) policy, in which you are covered for everything, unless it is specifically excluded or limited by the policy and/or endorsements that you carry; The other is a “Named Peril” policy, in which you are only covered only for the specific perils named in the policy. If the peril is not named/listed as a “Peril Insured Against”, then everything else is excluded, unless you have a specific endorsement that covers you otherwise.
It is also very important to sit down with your insurance agent and discuss if you are properly covered for everything that you need or want to be covered for. Unfortunately, not all agents are the best people to ask, as they are paid commissions by insurance companies, so sometimes (depending on the integrity of the agent) their best interest may be to direct you to the company that pays the best commission rather than the one that provides the best service or if they are a captives agent, they only sell one Insurance company’s products so you don’t really have many options with them and they will usually sell you on the Insurance Company that they are tied into.
Remember, you get what you pay for. If you are trying to keep your rates down, then you will generally have less coverage or a very high deductible, or both. Having been a staff insurance adjuster in the past, I have denied many claims because the insured was inadequately covered. The insureds were either, not pro-active in determining what coverages they needed; they were just looking for the cheapest policy that they could find; or their agent never explained what coverages they had and they just assumed that they had good coverage to meet their needs. In almost all cases, they ended up having to pay for the repair expenses out of pocket. With insurance, cheaper is certainly not better and all insurance companies are not created equal when it comes to claims service.
A good rule of thumb is to remember, if the insurance company is always talking about how they have the cheapest rates, it is usually because they are taking that money from the claims service. Watch their commercials or their mailings; if they pride themselves on low rates or tell you that they can beat their competitor’s rates, although it may or may not be true, just pray you never have a claim with them. I was fortunate to work for a few companies that did not pride themselves on low rates, but on their claims service. There are few good companies out there; however they are becoming harder and harder to find. In addition to having been an Insurance Company staff adjuster, before becoming a Public Adjuster, I worked for a few years as an Independent Adjuster (IA) as well. I basically freelanced for adjusting firms who received claims from Insurance carriers. Many of these firms were as bad as the insurance carriers that they adjusted claims for. This was my first true experience having to adjust for some of the more unscrupulous insurance carriers/companies. Working for these companies was more than frustrating. The tactics they used left a bitter taste in my mouth, forcing me to change my view of the Insurance industry, the insurance companies and adjusting in general. These unscrupulous Insurance companies and IA firms drove me to become a Public Adjuster. Ias a Public Adjuster, I work for the Homeowners or Business owners, representing them and being their advocate in order to battle the Goliath Insurance carriers who are often trying to devalue their claims. Working directly for the customer (Insured) is much more rewarding emotionally, psychologically and intellectually. I can now work with the fullest integrity, knowing that I do not have to be forced to do anything I find to be unethical.
Unfortunately, for legal reasons, I can not name which companies are the best or worst with regards to their service; however, you can certainly research that online because there are companies that do the research, using surveys and statistics and their research is published online in articles for everyone to see. What I can say, is that you are not in good hands with these insurance companies, nor are they on your side and they certainly aren’t a good neighbor. Most are more like the neighbor you wish would move out of the neighborhood.
Another common mistake people make is with choosing their deductibles. Deductibles range from $100 – percentage deductibles (a percentage of your coverage limits) with most policies and it is important to determine what you can afford out of pocket if you ever have a loss. Time and time again, I have adjusted a loss only to find out it was either under the insured’s deductible or that the deductible was so high that the insured had to pay a big chunk of the repairs themselves and the sad thing was that many of them could not afford to pay for the repairs out of pocket. They chose the higher deductible because it made their rates cheaper and in the long run, it ended up being significantly more expensive. If you do not have $5000.00 or even $1000.00 set aside at any given time, then don’t choose a deductible that you can’t afford to pay. Unfortunately, some companies force you to take the deductible that they offer. Sometimes they have separate deductibles for certain perils, such as wind, hurricane, hail, etc…
Again, it is important to sit down with your agent when choosing your deductible and determine what it is that you can afford to pay out of pocket if you ever sustain a loss to your home or business. The most common deductibles are $500.00 & $1,000.00. I suggest the $1,000.00 if you can afford that much out of pocket because there is a modest difference in premium. Over a few years the premium difference costs more than the $500.00 difference between deductibles.
Now that you are prepared, it is time to make the claim. I will list the steps to do so.
- You need to determine if the extent of the damages will exceed your deductible as well as to determine if this type of loss is specifically denied on your policy. The reason this is important is because you don’t want to make too many claims on your policy, regardless of coverage or payout. Insurance companies look at that when they re-rate your premium every year. Another thing is that some companies will drop an insured that makes a lot of claims, especially if the loss is your fault.
- If the claim is worth making, IMMEDIATELY (within 24 hours) call your insurance company (or a Public Adjuster) to make the claim, especially if the loss has the potential to get worse because most policies explain that it is your responsibility to prevent further damages from occurring; otherwise you could be denied for any further damages. For instance, water damages left sitting too long will cause wood flooring to expand and warp, or break down the glues and mortar in certain tile flooring, as well as allow mold to grow on organic materials (such as drywall, wood, wool, some types of insulation, cotton, paper, etc…) and spread to undamaged areas, ect… Furthermore, DO NOT throw anything away because an insurance company will not pay you for damages if they were not given the opportunity to inspect the damaged items. I suggest putting the non-salvageable items on the side (in a garage, outside under a tarp, etc. If an item is to be disposed, you should take plenty of photos of the items (ie: damaged items, serial/make/model numbers). If you have a contractor or repair person that needs to come out to repair the damages for emergency reasons(ie: with plumbing, heating, and electrical, or emergency temporary repairs to prevent further damages from occurring), MAKE SURE that they leave the damaged items for the insurance adjuster to inspect. If that is not reasonably possible, again, take plenty of photos of the damages.
- At this point the Insurance company may advise you what you need to do to protect your property from further damages. They may suggest a few companies to you. Remember, that it is against the law for them to steer you towards a certain company. The law allows you to use anyone you like. Bare in mind, that the mitigation companies rates are within reason or the insurance company will fight paying anything that they feel is unreasonable. In most cases, they will give you the names of some preferred vendors/companies. Sometimes, the companies are good companies that are reasonably priced. Sometimes, which is becoming more often than not, the companies are not at all good and do not perform adequate services. Make sure they do not work for the insurance companies so that their best interest is properly mitigating your damage.
- The insurance company will then explain that an adjuster will call you within a few days. Each state has a different rules and regulations as to the amount of time that the insurance company has to respond, inspect, and settle a claim. Generally, the insurance company will respond within a few days. You need to determine if you are experienced enough to manage the claim yourself. If you do not have the experience dealing with the claims process or building construction. If you have construction experience the building repair portion of the claim should not be a problem and you should be able to meet with the adjuster and negotiate the scope. If you are unaware of the claims process, you might want to consider your own claims expert. If the loss is fairly large you should consider retaining a Public Adjuster. A Public Adjuster work with you and your Insurance Company adjuster to evaluate your claim, review the coverage and damage, speak with and meet with the insurance company’s adjuster and or representative, scope the damages, prepare estimates, prepare and inventory of personal property, help you obtain temporary housing if necessary, negotiate with the insurance company on your behalf and move the claim to conclusion. Hiring a Public Adjuster can certainly take the stress of dealing with your claim off of your shoulders and let you get back to life. If you have preferred contractors that you like to use, have them meet the adjusters. Most insurance companies and adjusters submit estimates of the damages that are significantly less than the cost of actually completing the repairs. Many adjusters are straight out of college with barely any construction experience and others are told to look for the least expensive repair methods. Almost every Insurance company has a secret document called a “Best Practices” or “Building Estimating Guidelines” that you are not allowed to see. They tell adjusters how to estimate the damages. They dictate how many coats of paint they can use (typically 1), whether they can add for ridge cap or starter shingles (usually they don’t allow for it), how many shingles per squared need to be damaged before allowing for a slope replacement, etc…. These guidelines are ultimately, one of the methods they use to minimize the value of your claim. That is why it is important to have an expert of your own, on your side. Even if you have already made a claim and feel you were underpaid, you can still call a Public Adjuster. We Cornerstone Adjusting, LLC will review any claim, new, in progress, closed or even denied at no charge. We provide a free consultation to every customer. We will review you claim and advise you if there is anything we can do to help you. If you have a legitimate claim, that we can handle for you, we will discuss the approach with you, discuss compensation and have you sign a retainer, which gives us the legal ability to speak with your insurance company and handle your claim. In most cases, we will get you much more than your insurance company is willing to give you. On average, a claim being handled by a Public Adjuster will usually result in a payment that is between 500-700% more than if you had not hired a Public Adjuster. These results vary, generally depending on the size of the claim.
- The newest trend in the Insurance industry is to do “Virtual Inspections”. These are often conducted, either with you, the insured, or a representative (like Hancock Claims Consultants, LadderNow or some other non-adjuster technician) via a phone app that allows you to video conference. These “virtual Inspections almost always result in significantly lower settlements even with a technician because the technician is not an adjuster. These impersonal inspections rarely ever benefit you, the insured. At Cornerstone Adjusting, LLC, we receive numerous calls from homeowners and business owners who were upset by the insulting settlement they received after one of these “Virtual Inspections”. These types of inspections allow them to no longer have the need for a large field staff which saves them money, earning them more profits for their shareholders. The trend is going that way more and more, especially since Covid-19. Even normal field adjusters are doing these inspections, hoping they can hang on to their jobs. This is certainly not an acceptable process and it provides terrible customer service. The insurance carriers certainly don’t mind raising your premiums and lowering your coverage, but shouldn’t they at least provide a higher quality of service? If you have a claim that is worth more than a few thousand dollars and the insurance company wants to do a virtual inspection, it would be in your best interest to immediately contact a Public Adjuster.
- The next stage in the process will be receiving your estimate. It is important to that you or your Public Adjuster, review the estimate line by line. A good adjuster will annotate each line so that you can understand what it is and write it in a way that is step by step as opposed to all over the place, but even so, many adjusters will still write one that is all over the place. If you receive it and do not understand it, call your Insurance adjuster or Public Adjuster for an explanation. Show it to your contractor to see if it makes sense to them, but before you do so, ask your contractor for an estimate and compare it to yours. If theirs is higher than yours, than ask if they can do it for the estimate that the insurance company wrote. If they say no, then ask if they can show you what the differences are so and then ask if they could speak to your adjuster about revising their estimate. Just because an estimate is written and sent does not mean it is final. They can always write a supplement if necessary. If your contractor is asks the adjuster for a supplement, it will need to be a reasonable request and this request will need to take place BEFORE the repairs are completed otherwise the adjuster will not likely change their estimate because they were not given the opportunity to re-inspect the requested supplemental damage.
- Just in case your contractor’s estimate is lower than the insurance adjuster’s estimate, it is important to remember that the law prevents you from making money/profiting on your claim and the insurance company has ways to prevent that from happening. The best way for the insurance company to prevent you from profiting on your claim is by taking depreciation on anything and everything that was damaged or destroyed. Essentially, they will only pay at actual cash value (ACV) up front. Although, most policies pay replacement cost value (RCV) on building damages, the insurance company will only pay you ACV up front. If you have an ACV policy you are only entitled to ACV, period. If yours is an RCV policy, you will need to show the insurance company proof of repairs/replacement as well as receipts for the repairs/replacements to prove that you actually paid the RCV to receive a check for the difference. They call the depreciation on an RCV policy “holdback” or “recoverable depreciation. If you get the work done for less than the RCV, you are only entitled to the difference between the ACV and the amount you actually paid less your policy deductible. So it would be in your best interest to save all receipts and take lots pictures of the process. Very rarely, does anyone get the repairs/replacement completed for less than ACV, but it does happen. Which brings us to the number 7.
- A question I am frequently asked is, am I allowed to complete the repairs myself? The answer to the question is yes? Each company is different on how it handles this type of thing. A general contractor is in business to make money so they often charge Overhead and Profit (O & P). Most of the time this is about 10% + 10% on top of the cost to repair. Since you are not allowed to profit, most insurance companies will not allow you to receive the O&P because you are not a contractor doing the work as a business. However, there is caselaw out there that may help you if you feel that you are sill incurring overhead. As for profit, that is a tricky one, if you are acting as GC, are you allowed to profit. If you are a contractor for a living, why shouldn’t you? It’s no different than any other job, just because it is your own house. If you are not a GC, it’s a slippery slope. How do you prove that you should be entitled to profit on your claim? These rare cases rarely usually have to go to suit to collect if it is possible, which requires retaining an attorney and depending on the state you reside in, attorneys fees are not covered in some states just because you win.
- Sometimes people do not get the repairs completed or they do the work themselves and cut corners (like cleaning a carpet instead of replacing it) and they do not save the receipts for the repairs and then they have another loss which overlaps the prior loss. I see this a lot with hail damage to roofs and siding, as well as carpet damages. During hail season in the south, hail storms have come in a month or two apart and the insured hadn’t yet replaced the roof from the 1st event. In the case of carpets, the insured had a water/sewer loss which the insurance company thought it would be better to replace the carpet for sanitary reasons or because the carpet was damaged beyond repair, but rather than replace the old carpet the insured choose to dry it out and clean it. If an insurance company pays you to replace something and you do not get it replaced or have receipts to show that it was, they will very likely not pay for the damaged item again. As a side note, if you ever have a covered sewer loss, if sewage(Cat 3/black water) touches anything porous, or organic, it needs to be thrown out, this goes for carpet, clothing, sheetrock, insulation, laminate flooring, paper, cardboard, particleboard/MDF furniture, upholstered furniture, etc.…. Materials made of metal, concrete, vinyl, plastic and solid wood can often be cleaned.
- If, after going through the process, you find that you have reached an impasse with the insurance company with regard to the settlement amount, there is a final step that can be taken in most states. Even with a Public Adjuster, it happens. If an insurance company is not willing to increase their repair figures to what is reasonable, the next step is either Arbitration or Appraisal. Typically, appraisal is the most logical next step. Arbitration is more of a legal process and seldom used in negotiations. Appraisers are supposed to be independent of the claim. The should not have any financial interest in the claim. The must be unbiased and and disinterested. If you can find an appraiser that is nationally certified, that will increase your chances in the process. Typically, if you hire a Public Adjuster, your Public Adjuster has a list of appraisers that they can recommend. The appraisers are hired by you, the insured, to complete a fair assessment of your claim. If they are truly independent, they will review your adjusters’ (Public Adjuster and or Insurance Adjuster) estimates and either agree with them or write their own estimate. The insurance company will also hire an appraiser to do the same. Unfortunately, The majority of appraisers who perform services for the insurance company are biased. They often get rebuild jobs from the insurance companies, appraise exclusively for the insurance companies, or are insurance company adjuster’s (usually Independent adjusters) . They know who butter their bread and if they go against the insurance company, they risk losing work from them and insurance companies know how to give these people work. The adjusters at Cornerstone Adjusting, LLC are also appraisers, Umpires and I personally, have done appraisal work for the insurance companies before becoming a Public Adjuster and know for a fact that Staff Insurance Adjusters would call me and try to tell me what to write and not write. I would let them know that I am not allowed to discuss scope with them as it is considered collusion and that it was illegal to direct my appraisal. Needless-to-say, those adjusters would never hire me again, but I was fine with that because I was able to keep my integrity. Once the appraisers are hired, they are supposed to contact each other to discuss the claim and possibly meet at the property. Upon meeting at the property, the appraisers will review the damages and either red line estimates or scope the damages themselves. In most cases, they will come to an agreement on scope and then negotiate the price. If they can agree on a price, the will both sign an award letter which becomes binding to all parties. If they cannot come to an agreement, they will have to defer the disagreement to an Umpire. An Umpire should also be a disinterested party. The appraisers will have to agree upon an Umpire. If they can not agree on an Umpire, the Umpire will have to be chosen through the court, which is called a “Court Appointed Umpire”. The appraisers will once again, have to meet at the property with the Umpire and discuss the facts and support their case for why they believe the damages to be as such. The Umpire should review the estimates, the facts, evidence and come to a final conclusion. He will present an award letter and that award is binding. Whatever the Umpire presents as the award must be accepted by both parties. In most cases, the process of Appraisal can be somewhat costly; however, it is necessary if the differences are significant. The average appraiser can cost upwards of $200.00 per hour. The average Umpire is about the same. Rates vary between states and cities. The Umpire costs are split equally between the Insurance company and the Insured. When choosing an Umpire, the Umpire should be Nationally certified. Most insurance companies will fight this because most of their choices are uncertified and often take appraisal and contracting work from them. The certification includes reading an 800 page book, taking a certification class, and taking a certification test which must be passed to become certified. If it costs a few bucks more for a certified Umpire, it is worth every penny, because they know the process better than anyone. Unfortunately, many states do not require licensing or certification of appraisers and especially Umpires.
Tips and Warnings:
It is VERY IMPORTANT to be as honest and helpful as possible with your insurance adjuster or Public Adjuster. Your Insurance company adjuster is just doing their job and they are dealing with many other people’s losses at the same time as yours, 5 or more days a week 10 hours a day and it is far from being a pleasant job. Again, not all adjusters are great at what they do and unfortunately, that is all to often the case, but (in rare instances) your attitude towards them could mean difference between coverage or denial, as well as how much you get paid. Remember, they write the checks. The Insurance company’s adjuster may exemplify the most professional business conduct; however, your demeanor can be a factor in the outcome of your claim. Many times adjusters have gone into an insured’s home and the insured treated them terribly when the adjuster was courteous and professional with them, There are certainly some unpleasant adjusters, but I am not speaking about them. Other times the insured is very pleasant and a pleasure to work with. When the claim is black and white, it is what it is, but if there is something the adjuster could do to go the extra mile, they very well may for that nice person, because they were so nice to the adjuster. Whereas, the mean, nasty insured, usually ends up getting the bare minimum service. As long as the adjuster does what is required by the state and their employer they have done their job. Adjusters are human and even the most unbiased of them can be swayed by the negative, offensive attitude of an angry insured. Remember, yours is not the only claim that your adjuster is working on and most adjusters are so overloaded with claims (especially if the weather has been bad) that the claims process can often take longer than you’d like it to. If your claim is completed in less than 2 weeks, feel lucky because a month has become the norm.
Last, but not least, insurance claims are regulated by the state government. Not only are insurance companies held accountable, but so are insureds. Occasionally, an adjuster has to deal with fraud. Fraud is a very serious thing when it comes to insurance claims. If you are the cause of the loss, but are afraid to admit it, don’t worry, accidents happen. That’s why they are called accidents. Deception of any kind is considered misrepresentation and potentially, fraud and will often result in a coverage denial or worse, imprisonment and or severe fines. I can’t stress enough the importance of being 100% completely honesty with regards to your claim. Most seasoned adjusters have seen it all. They average carrying a caseload of anywhere between 300-500 claims per year so there is very little that they haven’t seen. Although not all damage is identical, it is fairly consistent. If an adjuster suspects that there is even a hint of something unusual about your claim, they will assign it to a special investigator, who will investigate any potential fraud. In most cases, these investigators (depending on the type of loss) were former/retired police detectives or fire investigators. Most of them are highly skilled at what they do and in most cases, can determine if there is any fraudulent activity. So, again, try to be as honest and helpful with your adjuster as possible and it will make the process much smoother for you and your adjuster.
The period following a claim can be very stressful, especially for the average person who is unaware of the process. A Public Adjuster is experienced in the process and can minimize the difficulties and stresses involved with handling a property damage insurance claim so that you can get back to your home or business.
At Cornerstone Adjusting, LLC, we can handle every aspect of your homeowners or business owners claim, including: Building damage, Personal Property (Contents), Additional Living Expense (ALE), Business Interruption and Extra Expense.
We can help you with any type of claim, wind damage, fire, hail, water damage, vehicle impact, falling objects, flood, sewage overflow, pipe freezes, ice damming, explosion, vandalism, theft, riot or civil commotion, weight of water/ice/snow or any other type of damage. Unlike the insurance company, we really are on your side. Even if you need help finding an Adjuster in an area we do not service, we may be able to help you find a Public Adjuster.
Call us Cornerstone Adjusting, LLC for a free consultation: (845)541-5000.