Claims Process

"If you fail to plan, you plan to fail." Benjamin Franklin

Importance of Claims Process

The way you file a claim is the most important aspect of your claim process. The last thing you want after a disaster is your insurance company giving a hard time paying out the claim.
Four Elements Adjusters Advice – Get a loss adjuster, BEFORE the fact-finding stage. This will give us more time and better leverage to assist you the policyholder in getting a fair settlement for all losses legitimately covered under the insurance policy!

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making the process easy, during a difficult time 

First you engage our services. All you need to do is call us, or email us.  Go to our contact page for that information or go ahead and request a free property inspection, so we can schedule an appointment to assess your damages and go over your policy.

Paperwork.  Once it’s established that there is adequate damage and a “case” so to speak, a contract is signed.  No fine print, no fancy wording, just a contract to say you have given permission for Four Element Adjsuters to represent you and speak with the insurance company on your behalf.

Retrieve Data.  The next step is to “scope” the property; which includes taking pictures, measurements, and other information about your damages.  This can be done the same day of your free inspection, or when you’re ready.  We work 6 days a week and have flexible meeting hours, so it should be easy to come to an agreement on an appropriate time.

We file your claim.  Next we notify your Insurance Company, send in the appropriate forms and send them our professional damage estimate.  Usually this is when the Insurance company will send out their staff adjuster or independent adjuster to assess the damages and write up an estimate on their behalf.  We meet with the Insurance company’s adjuster for an “inspection” at your property to help him/her see all of the damages .  You can be there to listen in or we can handle it while you’re at work or away.

Negotiation phase.  The staff adjuster’s estimate is then turned in to the higher ups for approval and they dictate to him/her what will be paid on your claim.  This is when the negotiations begin.  We do all of the negotiating for you.  Negotiation time can range from a few days to a few months, it really depends on how efficient your insurance company is.  During this process our office staff will contact them almost daily by phone and e-mail to check the status of your claim, and to ensure that they are working on it steadily.  Notes and status updates are recorded in our library of files, where you can call in and see what’s happening with your claim.

Settlement.  Finally there will be an agreement made for a fair allotment.  The insurance company will usually, within days of the settlement, issue a check by mail, to you and your Public Adjuster to cover your damages and costs.Rarely, when the Insurance Company refuses to concede, the claim will move into a phase called appraisal or eventually litigation.  But since more than 95% of Insurance court cases rule in favor of the property owner and not the Insurance Company, they will try to avoid litigation at almost any cost.  Appraisal is an avenue more commonly used to come to an agreement, when neither party will bend.

We believe you shouldn't have to negotiate with insurance companies alone.