Description of a property claim


A property claim is identified as damages imposed to a dwelling or structure that the insurance policy covers. This includes damages such as fire/smoke, damaged plumbing units, mold, theft and burglary, wind, flooding and the list goes on. Usually, once damage happens to a business or home, the owner of the property contacts their insurance carrier. The carrier develops a claim and sends an adjuster out to the property to assess the damages.

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QUICK NOTE


Anytime your home or other dwelling has been ruined or severely damaged, it is essential that you protect your property and the interest of your investment by enlisting the services of a Rubin and Rosen. We can provide the assistance you need by helping you to work through the entire insurance process. A Rubin and Rosen Public Adjuster is expertly trained in analyzing the extent of the damage to the property in order to make a proper assessment.

FAQ'S

The Role of the Insurance Claim Adjuster
The insurance claim adjuster is responsible for assessing the damage and deciding what monetary amount you are due for the damage. There are three categories of adjusters. (1) Company/Staff Adjuster – This is an adjuster that is employed by the insurance company. (2) Public Adjuster – This adjuster is not employed by a particular insurance company but instead serves the public. They are sometimes termed private adjusters as well. He/she will file the claim on your behalf and work to get you the settlement that you deserve for the damages that you have endured. Public Adjusters do require a fee, however, as a claimant, your settlement is typically larger than it would be without their assistance. In addition to the increase in settlement amount, you don’t have to stress through the claims process. They are generally compensated on a percentage basis of the settlement that is collected for your damages. The percentage amount varies among adjusters. (3) Independent Adjuster - This adjuster typically serves multiple insurance companies, especially during disastrous situations such as hurricanes. Catastrophic situations usually leave insurance companies under-staffed and they hire independent adjusters. This type of adjuster works to protect and ensure the best interest of the insurance carrier.
Do I need a Public Adjuster, my insurance adjuster will be fair right?
In our years of experience, we’ve found this to be unlikely. The adjuster of your insurance company is employed by, committed to and receives compensation from the insurance company. He or she is committed to supporting the company's bottom line. If at all possible, the insurance company’s adjuster will choose to repair instead of replace. In the event of hurricanes, the out of state adjusters they utilize are not often acquainted with the codes and statures of the state in which you live. The claimant should always have professional representation from an adjuster that works on their behalf.
Don’t I lose a portion of my settlement if I enlist the services provided by Rubin & Rosen Adjusters?
This is a very common myth. We process the claim, maximize your reimbursement, and are paid from the settlement. The amount you receive, after our fee is often significantly more than what the insurance company would have offered without our representation.
How is the claim prepared by a Public Adjuster?
Public adjusters are professionally trained in conducting negotiations and they skilfully utilize the services rendered by engineers, appraisers, accountants and a variety of other skilled professionals. They strategically assess the evidence and carefully document all needed information to maximize your settlement.
Once my claim has been resolved by the Insurance Company, can I still enlist the services of a Public Adjuster?
The answer to this question varies but usually, you can. The law of New York offers a period of a few years to initiate another claim following the date of the initial loss. If you have doubts regarding the terms of your claim, we are here to help you. We strategically assess the conditions of your claim and offer you our expert advice.
Can I get a second opinion once my claim has been denied?
You absolutely can! A large group of our clients were denied initially and we revisited the case, conducted negotiations with the insurance company, and recommended that they compensate the necessary damages.
Will a Public Adjuster get me a larger settlement?
A Public Adjuster will often obtain a higher settlement from the insurance company than if you go it alone. This is usually because he will present your claim in a more experienced and calculated manner than you are prepared or trained to do. A claim that carries significant details will typically end in a greater award value. We assess each piece of evidence, strategically and with great precision, assessing the site of loss and documenting the extent of the damage. Studies have indicated that claims carried out without the assistance of a Public Adjuster are typically not processed to completion.
Who utilizes the Public Adjuster services?
Various individuals, businesses and experts including accountants, business owners and insurance adjusters are among the many that utilize the services of Public Adjusters. After a person has received the assistance of a Public Adjuster, chances are, they will never attempt to settle a claim without them again.
Can my insurance company terminate the contract if I enlist the services of a Public Adjuster?
This is not allowed and would constitute a violation of New York state law. You have the right to hire a Public Adjuster of your choosing.
How do I determine if you can help me?
We offer a free consultation that constitutes no commitment on your part. Call us at any time to schedule an appointment to review your claim.
Does the claim carry a minimum value restriction?
We can offer our professional opinion based on the review of your claim. Our goal is to offer our services on an as-needed basis and do not consider providing our services based on the size of the claim.
What is the fee associated with the hiring of a Public Adjuster?
Standardized fees for these services is based on a percentage of your recovery amount provided by the insurance carrier. The Financial Services Department of New York governs the allowable fees that are paid to a public adjuster.

Public Adjusters of New York and New Jersey


Anytime your home or other dwelling has been ruined or severely damaged, it is essential that you protect your property and the interest of your investment by enlisting the services of a Rubin and Rosen. We can provide the assistance you need by helping you to work through the entire insurance process. A Rubin and Rosen Public Adjuster is expertly trained in analyzing the extent of the damage to the property in order to make a proper assessment.

We Work For You Not the Insurance Company


Rubin & Rosen Adjusters is on YOUR team. We help you navigate the insurance policy and the claim process maze. We research, document and substantiate your damages and assert your right to recover from the insurance company. Without the guidance and assistance of experienced professionals, most insured consumers are at the mercy of the insurance company. Would you represent yourself in a court of law? We bring together the people and resources necessary to yield the best results for YOU.

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