Homeowners

Homeowners

Homeowner's claims carry with them a unique issue because this is where you (the name insured) lives, eats, and breathes. It is imperative that you receive a proper settlement so as not to experience any discomfort in the future in your residence. Example a smaller home, lingering smoke smells, devalued contents etc. To guard against this we have developed a proactive claims handling process that is very effective. See the following:

 

ANALYSIS OF THE POLICY:

The first vital step is to review the policy and identify the coverage, conditions, provisions, exclusions and obligations.

 

QUANTIFING AND DOCUMENTING THE PERSONAL PROPERTY:

As the policy holder you are required to prove the full extent of your loss and support it with the appropriate documentation. When Maib Adjustment handles your claim we will:

  • Evaluate if the item is repairable or destroyed.
  • Physically “dig” through debris on site then describe the items in an inventory catalog.
  • Calculate and apply proper valuations with regards to R.C.V., A.C.V. and depreciation when applicable.

 

QUANTIFING AND DOCUMENTING THE HOME STRUCTURE:

A comprehensive and detailed damage appraisal to the structure is the duty of the homeowner. When Maib Adjustment handles your claim we will:

  • Identify the physical damage to the structure.
  • Evaluate what procedures are appropriate and fitting for the damaged structure.
  • Determine the dollar amount of damage to the building.
  • Calculate and apply proper valuations with regards to R.C.V, A.C.V. and depreciation when applicable.

 

PRESENTATION OF YOUR CLAIM:

After your approval all necessary documentation of the claim package will be presented to your insurance company.

 

NEGOTIATION OF YOUR SETTLEMENT:

Our expertise in documenting and presenting your loss postures us to negotiate from a position that is logical, well supported, realistic and all encompassing.

 

AS A HOMEOWNER PLEASE CONSIDER THESE QUESTIONS:

  • Do you really have the spare time and emotional energy to take on this claim as well as the insurance company?
  • If you have had prior claims, do you feel you received a great settlements?
  • Do you have a good understanding of the terms, forms and procedures such as examination under oath, notarized proof of loss, reservation of rights and non-waiver agreement etc.?

 

"There were so many hoops to jump through and deadlines to meet. All this was handled proactively by the team at Maib Adjustment."
Angelo G.

 

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