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MUST BE DONE AFTER A PROPERTY LOSS?
Immediate decisions must be made and action taken to stabilize the property; rebuild, replace or relocate; to continue business and maintain clientele; to properly and effectively prepare your insurance claim and document your loss, and to deal with the insurance company. Calling on Busy Bee Construction and Brown-Carlson & Associates after a loss is your most, effective business decision.
REALLY IS AN INSURANCE POLICY?
An insurance policy is a contract which has very technical language and complicated procedures which must be followed. The insurance policy must be carefully analyzed by an expert to ensure that no aspect of coverage is overlooked, and that you, the Insured, will receive your maximum entitlements allowed under policy.
A PUBLIC ADJUSTER?
A Public Adjuster is a qualified insurance specialist who represents you in dealing with the insurance company. A public Adjuster will assist you in preparing, filing and adjusting your insurance claims.
DO YOU NEED A PUBLIC ADJUSTER?
Insurance company adjusters are trained professionals who represent the interests of the Insurance company which employs them. The Insurance companies offer to pay what is due as they see it. That is like allowing the IRS agent to compute your income taxes. Public Adjusters are your exclusive representatives. As a claim expert, the Public Adjuster will obtain a more favorable settlement and recovery for you, the Insured.
HANDLE OUR OWN CLAIM
Sure you can handle your own claim, but a Public Adjuster, who is a claims expert, can do so more competently. Furthermore, the Public Adjuster will assist you in the Preparation of lost inventories, determining property values, calculating your business interruption losses, and determining what expenses are compassable if you relocate business or home. As your Public Adjuster, Busy Bee Construction and Brown-Carlson & Associates will relieve you of the many time consuming and difficult matters involved in preparing and filing a claim and will help you receive a prompt and fair settlement.
DO WE NEED HELP FILING OUT A CLAIM?
The policy of insurance requires that a claim and certain documents, such as a sworn Statement in Proof of Loss be filed in a proper and timely manner. Submission of personal or business records without an expert reviewing such information can have a detrimental result on the Insured's recovery. A Public Adjuster will prepare and present the claim in a way that fulfill the technicalities that derail the amateur claim filer. Furthermore, the burden of proof is in the Insured to prove the extent of their losses. A Public Adjuster will ensure that this burden is satisfied thereby maximizing your recovery.
QUALIFICATIONS DO WE LOOK FOR IN A PUBLIC ADJUSTER?
The Public Adjuster should be licensed and bonded. Also, you should ascertain if the Public Adjuster has prior professional credentials is a member of any trade associations, and has good references. Busy Bee Construction and Brown-Carlson & Associates is a licensed and bonded Public Adjuster in Illinois and other states. Busy Bee Construction and Brown-Carlson & Associates is a seasoned professional having consulted and represented Insured's in several states. Furthermore, Busy Bee Construction and Brown-Carlson is a member of the Latin American Association, Armitage Ave. Chamber of Commerce, North-Pulaski-Armitage Chamber of Commerce, as well as several other professional organizations.
TYPES OF LOSSES DOES A PUBLIC ADJUSTER HANDLE?"
Public Adjusters are retained for the adjustment of insured claims resulting from fire, wind, water, theft, vandalism and other perils. The Public Adjuster services homeowners, commercials businesses, professional firms, financial institutions and other insured entities.
WILL THE INSURANCE COMPANY ADJUSTER OBJECT
TO US EMPLOYING A PUBLIC ADJUSTER
The policy of insurance is very complex and the coverage's and policy provisions are often very difficult to understand such as co-insurance, actual cash value, business interruption, period of indemnifications, or improvements and betterments. There are many questions and problems as to how the policy provisions-can be applied in different circumstances. Many insurance companies representatives actually prefer to work with an experienced Public Adjuster rather than directly with the Insured. In cases where an Insurance Adjuster offers objections to hiring a Public Adjuster, or indicates that you really do not need your own representative, this should immediately alert you, and enforce your decision to retain a Public Adjuster. The insurance carrier's adjuster will recognize that they are dealing with an insurance professional and will not be able to "dictate" terms of recovery as they see it. The insurance carrier has its expert adjuster to review your claim and you are entitled to an experienced representative in order to be in an equal, bargaining position.
WILL RETAINING A PUBLIC ADJUSTER RESULT IN
ANY DELAY IN SETTLING OUR CLAIM?
On the contrary, a Public Adjuster will serve to expedite your claim.The Public Adjuster will work closely with you and properly prepare and file your claim to prove the extent of your loss as required under the policy of insurance. The more thoroughly and completely your claim is documented and prepared, the quicker your Public Adjuster can obtain a settlement in your most favorable interests.The philosophy of Busy Bee Construction and Brown-Carlson & Associates is to handle few engagements at any given time in order to best serve our client's needs and to most effectively and efficiently handle your claim. With Busy Bee Construction and Brown Carlson & Associates you are not just another file, your claim is our most important task at hand.
ARE A PUBLIC ADJUSTER'S FEES?
The Public Adjuster's compensation is a nominal percentage of the insurance company's settlement with you. However, the additional recovery you obtain by using a Public Adjuster will more than make up for the cost of our services. In addition, Busy Bee Construction and Brown-Carlson & Associates is providing you with an invaluable service as a claims expert.
DO WE CONTACT TO REPRESENT US?