Why do I need a Public Adjuster?

When you notify the insurance company of your claim, the insurance company assigns one of their adjusters to evaluate the damage and look out for their interests. It is logical that you should have an adjuster of your own to take care of you and your interests. If you are like most people, you have not really read, nor do you fully understand your insurance policy provisions. You may not know everything to which you are rightfully entitled under the terms and provisions of your insurance policy.

Marinilli Associates understands your insurance policy completely, and we make sure that we ask for and that you receive, everything that you deserve and paid premiums for, from your insurance company. Just as you hire a professional when you have a medical, legal, or financial problem, so should you hire a professional who represents you, and you alone, when you have an insurance claim for property damage.

What can you expect from Marinilli Associates?

Marinilli Associates, Inc., assists clients from the time of loss through the resolution of the claim. We can arrange emergency services at the time of the loss including securing the property and arranging for temporary living space. From that point, Marinilli Associates prepares a comprehensive and detailed estimate of the damaged property including a building repair estimate and personal property inventory. Marinilli Associates aggressively negotiates on behalf of its clients for a fair and equitable settlement.

Public adjusters have special training and expertise in appraising, preparing and negotiating property damage claims. A public adjuster works exclusively for the policyholder and NEVER the insurance company.

Summary of Our Services

1. Address your immediate questions and concerns about the loss.

2. Prioritize immediate and future needs re: housing, protection, etc.

3. Inform the insurance company of your loss/our representation.

4. Establish and maintain professional line of communication with insurance company adjuster.

5. Thoroughly research your policy and coverage.

6. Meet with the insurance adjuster to establish scope/extent of damages.

7. Complete precise, detailed repair and/or rebuild estimates.

8. Gather documentation and prepare all property inventories.

9. Prepare business interruption, loss of rents, additional living expenses and replacement receipt documentation.

10. Present estimates, inventories, documentation to insurance adjuster.

11. Meet with insurance company to achieve a settlement which maximizes your coverage and protects your interests.