Should I use a public adjuster for water damage?

When you notify the insurance company of your claim, the insurance company assigns one of their adjusters to evaluate the water damage and looks 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 for water damage to your property.

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 water damage.

What can you expect from Marinilli Associates?

Claims for water damage are one of the most common forms of property insurance claims in the country. Most water damage is caused by burst pipes, leaky appliances and running faucets.

Water damage is hazardous to health and dangerous for any home or business, therefore time is of the essence when it occurs. Within minutes of water intrusion, damage can begin. Unwelcome moisture starts by staining ceilings, walls, and floors, and then can turn into dangerous mold growth.

Due to these factors, you may need to start the clean up and restoration process before your water damage insurance claim is even filed. Whether you call in a water damage expert, or do the emergency clean-up yourself, make sure to first document and account for all the damage. This information will be used as evidence when you file your water damage claim.

Summary of Our Services

1. Address your immediate questions and concerns about the water damage.

2. Prioritize immediate and future needs due to the water damage re: housing, protection, etc.

3. Inform the insurance company of your water damage/our representation.

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

5. Thoroughly research your policy and coverage for water damage.

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

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 of the water damage to insurance adjuster.

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

Free Incident Review!

Have you experienced property damage? Report the details of your property loss for a free assessment from our licensed public adjusters.