Providing Quality Claims Service is What We Do
As independent adjusters, our customers are primarily insurance companies and self-insured companies. Our focus is achieving exceptional results that exceed customer expectations on all Personal (Auto and Home) Lines and Commercial (Property, General Liability, Workers Compensation, etc.) Lines of insurance.
Our Claims Adjusters perform site inspections on building and contents losses covered by most property insurance policies; e.g. fire, wind, lightning, hail, sudden and accidental water damage, burglary, theft, etc. We verify probable cause of loss, scope and estimate to repair or replace damaged property. We review commercial accounting records to verify or estimate loss due to business interruption. Our estimates are computer generated by line item and include Replacement Cost, Depreciation and Actual Cash Value adjustments. Certificate of Completion in Xactimate.
Our Claims Adjusters investigate tort-liability relating to automobile, premise, product, employer, professional, and general liability claims for injury or wrongful death. We determine proximate and probable causes of injury. We assess and report on first and third party liability exposures based upon the facts that we receive. Where practicable, we mitigate our customer’s loss by placing third party liability exposures on notice of a potential claim, and make reason attempts to investigate or recommend the retaining of an expert to obtain evidence for indemnity, contribution and subrogation purposes. We review medical records for statutory compliance, medical necessity and possible recommendation for an independent medical examination.
Our Claims Appraisers estimate damage to private passenger automobiles and heavy equipment, including commercial long-haul trucks and trailers. We use widely accepted estimating guides and software. We photograph and report old or unrelated damage and apply depreciation (betterment) when appropriate. Our estimates include the use of like, kind and quality (LKQ) parts and remanufactured (aftermarket) parts when appropriate. Total loss evaluations are based upon the results of researching the cost of comparable vehicles in the local market. We can extend our research beyond the local area at the customer’s request. We can investigate and report on diminution of value claims at the customer’s request. Our inspection reports and digital photographs enable salvage auction participants to bid confidently over the internet.
Our Claims Appraisers estimate damage to buildings and content items through residential and commercial construction guides such as Xactimate and the National Construction Estimator. Each software is updated to reflect current local market material and labor rates. We appraise residential and commercial buildings up to 50,000 square feet of floor space for claims coinsurance purposes and underwriting valuations for possible maximum loss. Replacement cost is calculated by valuation guides provided by companies such as Marshall & Swift and Boeckh.
Workers Compensation Claims:
Our Claims Adjusters investigate the employment status of the person making a claim for injury. We reasonably determine as to whether or not the injury arose from and during the course and scope of employment. We extensively investigate the legitimacy of AOE/COE time-element claims such as loss of hearing, heart condition and occupational disease. We can also assign Registered Nurses on claims involving extensive vocational rehabilitation. They review medical records, meet with claimants and their doctors periodically as needed, and report their findings and recommendations. Medical records can be reviewed for statutory compliance, medical necessity and possible recommendation for an independent medical examination. Either we or our customer determine what benefits are payable to an injured employee.
Included in some of the above claims services and also separately, we adjust claims involving coverages of boiler and machinery insurance, builders risk insurance, construction defects insurance, inland marine insurance, aircraft insurance, GAP insurance, collateral protection insurance, vendors single interest insurance, forced placed insurance, lenders protection insurance, heavy equipment machinery insurance, fleet and cargo insurance, long haul trucking insurance, tractor-trailer insurance, Real Estate Owned (REO) claims, pollution legal liability insurance, underground storage tank insurance, directors and officers insurance, medical malpractice insurance, professional liability insurance, errors and omissions insurance, employers liability insurance, self-defense firearm liability insurance, bailee risk insurance, mechanical breakdown insurance, condominium insurance, renters insurance, business interruption insurance, additional living expenses insurance, flood insurance, earthquake insurance, FAIR Plans, mercantile and manufacturer’s stocks insurance, arson investigation and detection, and subrogation and salvage recovery.