Property Damage

You spend your whole life investing in your home and/or business. You spend your life working so that you may drive a nice car and have a comfortable home to live in and enjoy. You work very yard so that your children can go to nice schools and have things that you never had. However, it only takes a split-second for someone to come along and damage and destroy it all. A car comes crashing down the street, jumps the curb, smashes through your fenced-in yard and drives straight into your living room. Someone has too much to drink and collides with you or your wife while driving to work. Someone else’s teenager takes a joy ride and ends up driving into your swimming pool. Not all catastrophes have to be the end result of a natural disaster. There is plenty of opportunity for property damage loses to be man-made.

Property damage, no matter how it was caused or by whom, should be covered by your property insurance. You work hard to pay those insurance premiums every month and when in the midst of a loss, the insurance company needs to be made aware of their obligation to you. Insurance policies are for your protection.

I can not stress enough how important it is that you make sure you have a representative, Public Adjuster, on your side to level the playing field between you and your insurance company. Someone who is informed and familiar with the territory. Whether you are just starting to figure out what all has occurred and you haven’t filed any claim as of yet - or you have recently, in the past five years, made a settlement with your insurance company. There are all kinds of factors  that go into deciding what your true losses are. Not everything may be clear and obvious in the beginning. Later for you only to find out there were mitigating circumstances. When trouble has occurred, it is often hard to keep a cool head and steady hand in dealing with all the formalities, forms, estimates, statements and accounting. This is the time for you to hire a Public Adjuster to take over the negotiations and relieve some of the stress from your shoulders.

Before giving any formal statement or accounting to the police and/or your insurance company, it is best to have your own Public Adjuster involved. However, even if you have started negotiations or have already settled your claim, there is still time to hire a Public Adjuster and get a fair deal. Your Public Adjuster, preferably John Moynagh, should review your insurance claim to make certain your claim was paid properly. All claims that may have been denied and/or not paid properly to their fullest reasonable settlement may be re-opened on your behalf. There is no fee for this service unless your Public Adjuster is successful in securing you a new settlement. or an adjusted settlement.