Blog
For the Public Adjusters
ACV vs. RCV: What Are They and Why Do They Matter?
If you ever experience extensive damage in your home due to a fire, flooding or another disaster and you are forced to call on your insurance company for help, you will quickly learn the difference between actual cash value, or ACV, and replacement cost value, or RCV....
The Larger Your Loss, the More You Need a Public Adjuster
A recent report in Nasdaq says that only 5.3 percent of homeowners with insurance on their homes filed a claim on their dwelling in 2014. Why is that? Is it because our homes are in such excellent condition that we never need any help? Doubtful. There are many reasons...
Using a Public Adjuster to Manage Commercial Claims
A fire or other disaster can be devastating to a business. There is the obvious property damage that is a direct result of any fire, but for a business, there is often lost income and inventory, as well. In some cases, the combination of property damage and lost...
Public Adjusters Are Especially Helpful in Large Claims
Few home or business owners anticipate needing to file an insurance claim. Most people buy insurance just in case of an accident or loss, but hope they never need to actually use it. Sometimes things go wrong though, whether because of fire, flood, hail, theft or some...
Public Adjusters Can Work with Restoration Companies to Make You Whole Faster
From fires and floods to hurricanes and tornadoes, there are a wide variety of natural disasters and accidents that can quickly ruin a home. While it’s difficult enough for a homeowner to lose his or her home, insurance companies do not always make performing home...
Public Adjusters Work for You to Get a Better Outcome
Public Adjusters: When most people have a rough incident at their home, where something is either destroyed by storms, theft or fire, most people will turn to their homeowner’s insurance to take care of their loss. But what happens when the homeowner’s insurance comes...
Homeowners Fire Claim Help
Case Study: Homeowners Fire Claim - Electrical After owning it for over 10 years, there was an electrical fire at the home of J. Stevens. in Chapel Hill, NC. Since he was away at work and lived in a remote area of the city, the home was a total loss by the time help...
Does homeowners insurance cover water damage?
The question of the day - Does homeowners insurance cover water damage? At least once a week we are asked, Does homeowners insurance cover water damage?" One NC homeowner recently asked, "Does my home insurance cover a leak from an old water heater that ruptured? If...
Fire Damage From Cooking
North Carolina, NC Fire Damage - The most common homeowners fire in NC develops while cooking in the kitchen, and they are far more costly to repair. Fire damage from stove top kitchen fires are more common than fires that originate from the fireplace, appliances,...