Navigating the aftermath of property damage can feel like an uphill battle, especially when dealing with insurance companies that seem more focused on protecting their bottom line than honoring their commitments. Whether it's water damage, fire damage, wind damage, or vandalism, insurance adjusters often deny, delay, or significantly underpay claims. This reality leaves property managers, contractors, and facility managers grappling with incomplete settlements that fail to reflect the true cost of repairs.
In such situations, public insurance adjusters step in as advocates for policyholders. Velocity Public Insurance Adjusters offers critical support for navigating the claims process, ensuring that you maximize your settlement with precision, expertise, and advocacy.
The Role of Public Insurance Adjusters in Your Recovery
Unlike insurance company adjusters, public adjusters work exclusively for you—the policyholder. Their job is to identify all actionable damages, document them thoroughly, and negotiate for the compensation you deserve. Public adjusters are considered first-party property damage adjusters, and their sole priority is protecting your interests.
Velocity Public Insurance Adjusters specializes in providing comprehensive services for property damage claims. Our team brings over 40 years of experience in construction and loss assessment, making us uniquely equipped to uncover both visible and hidden damages. Whether it’s water damage (excluding external storm flooding), structural drying, fire damage, or smoke-related contamination, our IICRC-certified expertise ensures nothing goes unnoticed.
Why Public Adjusters Are Essential
Insurance carriers often operate under the strategy described by Rutgers law professor Jay M. Feinman in Delay, Deny, Defend: to minimize payouts by exhausting policyholders. Studies, such as the OPPAGA report, confirm this trend, showing how settlements increase dramatically when public adjusters intervene.
Public adjusters provide critical benefits to policyholders, including:
- Unbiased Damage Assessments: Unlike staff adjusters working for the insurer, public adjusters prioritize an accurate evaluation of your loss.
- Policy Expertise: They understand complex insurance language and can uncover coverages you may overlook.
- Negotiation Power: Equipped with detailed documentation and industry knowledge, public adjusters level the playing field during settlement discussions.
Comprehensive Support for Your Property Damage Claims
Velocity Public Insurance Adjusters offers a full suite of services designed to streamline and strengthen your property damage claims:
Free Claim Reviews
We begin with a complimentary review of your current or potential claim. This service identifies actionable damage, ensuring that every element of your loss is covered without any upfront commitment. Our thorough review process ensures no damage is overlooked, giving you confidence before moving forward.
Expert Damage Inspections
Our team’s extensive background in the construction industry enables us to conduct meticulous inspections of your property. We document visible and unseen damage using detailed data, photographs, and advanced assessment tools. For instance, microbial contamination or hidden water damage may go unnoticed during a standard inspection, but our expertise guarantees it is accounted for.
Precise Documentation & Advocacy
Proper documentation is the backbone of a successful claim. Our adjusters prepare comprehensive repair estimates that reflect the full extent of your loss. This includes photographic evidence, detailed measurements, and accurate calculations. We act as your advocates, negotiating with the insurance company on your behalf to achieve fair compensation.
Seamless Policy Interaction
Filing a property damage claim requires adherence to specific policy requirements, such as submitting a Sworn Proof of Loss statement. Without this critical documentation, insurance carriers are under no obligation to pay. Velocity Public Insurance Adjusters handles this process for you, ensuring your claim progresses efficiently and meets all policy standards.
Proven Results: Real-World Claim Success
The results speak for themselves. Clients who partner with public adjusters often experience settlement increases of 500% or more compared to initial insurance offers. For example, in a recent case involving wind and hail damage to two commercial buildings, our intervention raised the settlement from the insurance company’s initial offer of $11,000 to a staggering $164,000. That’s a 1,392% increase.
These outcomes reflect the critical role that public adjusters play in ensuring policyholders are fairly compensated for their losses. Without professional advocacy, policyholders risk leaving significant money on the table.
How Insurance Carriers Undervalue Claims
Insurance companies employ various tactics to underpay or deny claims, including:
- Misinterpreting policy language to exclude legitimate damages
- Lowballing repair estimates based on incomplete inspections
- Delaying the claims process to pressure policyholders into accepting inadequate settlements
As insurance expert Bill Wilson highlights in When Worlds Collide, understanding policy terms and holding carriers accountable is critical for policyholders. Public adjusters, like Velocity Public Insurance Adjusters, work to combat these tactics, ensuring claims are accurately valued and fully paid.
The Value of Advocacy: Partner with Experts
The property damage claims process is often stacked against the policyholder. However, with the support of public insurance adjusters, you gain an expert advocate who understands the complexities of insurance policies, damage assessments, and negotiations.
Velocity Public Insurance Adjusters combines decades of experience with industry-recognized certifications to deliver unparalleled support. Whether you’re dealing with water damage, fire and smoke contamination, vandalism, or weather-related losses, our team ensures your claim reflects the full scope of the damage.
Take Action for Your Recovery
Don’t leave your property damage claim in the hands of insurance carriers who may undervalue or deny your losses. Partner with Velocity Public Insurance Adjusters to navigate the process with confidence and expertise.
Schedule a call for a free claim and policy review today. Your financial recovery starts with the right team by your side.
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Claim Services We Provide
Velocity Public Insurance Adjusters handles a variety of claim types for both commercial and residential property losses: weather-related damage, theft and vandalism, fire and smoke damage.
Members of
Velocity Public Insurance Adjusters is a Certified Firm with the IICRC.
IICRC Certified Firms are known for their high level of technical experience and professionalism.
With the rapid increase in consumer calls due to the demand for mitigation and restoration projects,
Certified Firms are working in the field every day and have unmatched expertise in complex restoration projects.
Client testimonials
Don't take our word for it, see what our clients are saying about us.
Contact us
Schedule a free, no-obligation, claim and policy review. Every property claim is different, and we'd like the opportunity to provide you with an assessment of your unique situation.
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