If your home has been damaged and you need to file an insurance claim, a whole chain of events, deadlines and tasks are created. Most people have not been through this process before and the lack of experience can make this a very daunting process. Depending on the size and scope of the damage, you may even have to find temporary housing for you and your family while your home is properly secured, repaired and renovated. We can help with all of this.
Get started by contacting us as soon as the disaster happens.
The best time to call Four Elements Adjusters is immediately after a loss has occurred. If you haven’t reported your claim, no problem! We can and will report it for you. If you have already filed, we will notify your insurance company and let them know that we are now representing you and that all communications should be directed through our office.
Whether your insurance company has already sent an adjuster (remember, the adjuster they send works for them, not for you) we will schedule a meeting with that adjuster to inspect the damage and assess the situation. We will also write our own estimate to rebuild and repair.
Next, we will negotiate with your insurance company to get the maximum possible settlement amount (the biggest check possible) to cover your damages and the cost to rebuild to pre-loss condition.
Settlements are NEVER accepted without your consent. We will be there to help you make the best decisions regarding the settlement so that you won’t feel like you are ever leaving money on the table.
If your policy includes coverage for additional living expenses (ALE) and you have been forced into temporary housing as a result of your loss, we will help you receive reimbursement for those expenses as well.
Finally, our loss draft department will see to it that your check gets processed (from the insurance company, to you, to us to your mortgage holder and then back to you) as quickly as possible.