The Claims Process

What should you expect?

If you want to collect on a property damage or business interruption claim, you need to comply with the long list of requirements set forth in your policy. That includes the types of information you need to submit as well as the timing of your claim.

If you’ve never read your policy – like most people – you may not realize there are a series of deadlines that must be met by both sides. For example, your policy may require you to file a Proof of Loss within a specified number of days. Once the insurance company receives that proof of loss, it has a specified number of days to reply. Then you have a specified number of days to take the next step. This back and forth goes on until the claim is settled.

In representing your interests, we always try to submit things at the very beginning of our window. Generally speaking, the insurance companies will wait until the last possible day before responding. So, no matter how fast we do our job, we all still have to wait the allotted time for the insurance companies to make their move. In short, there’s only so much we can do to speed up the process. Good things come to those who wait!

Fortunately, you are able to go back to living your life once you’ve hired East Coast Public Adjustors to handle your claim. You can take care of your family and your business knowing that we will handle all of the details associated with your claim with your insurance company.

After all the back and forth with the claims paperwork, at some point down the road a check comes in. That check is usually made out to you, the insured, to us, and to your mortgage company. Some public adjusting firms would ask you for payment at that point. Not us.

At East Coast Public Adjusters we have a Loss Draft Department whose sole function is to get checks from the insurance company to you for endorsement, to us for endorsement, to your mortgage company for endorsement and finally back to you. We don’t rest until your money is in your pocket. Only at that point do we close your file and thank you for letting us help you with your claim.

A supplemental insurance claim can be filed within five years of the original insurance claim in order to modify and correct a mistake or add additional information.

In many cases, a supplemental insurance claim is necessary to cover additional expenses or newly discovered damage as a result of the initial incident. East Coast Public Adjusters is dedicated to ensuring that you receive full compensation for the damage to your home or property – especially when a supplemental claim is necessary.

If you discover new evidence of damage, you should immediately document the problem with photos or videos as well as written notes summarizing the issue. For example, a water leak might have caused hidden damage to the electrical system that will require additional repair work.

Documentation is especially important when opening a supplemental claim, as considerable time may have passed since the initial insurance claim. When filing supplemental claims, you should document the nature of the claim, the reason for modifying your original claim, and all information you have about both the initial claim and the supplemental claim.

A professional public adjuster can be the difference between a swift and effective resolution to your supplemental claim, and weeks or months of added time and expenses.

Some supplemental insurance claims occur because the insurance company’s representative was negligent in noting the damage to the property. For example, water damage may not have been properly documented and the claim must be reopened in order to repair additional items.

In other cases, a supplemental claim may be necessary if the price of repairing the damage to your property has changed. For example, the cost of material or labor may increase over the course of a long-term repair. Thus, a supplemental claim will be necessary for you to receive the full benefit of your insurance policy.

East Coast Public Adjusters has a great deal of experience in dealing with vendors and will be able to evaluate changes to the repair situation to ensure your receive the best possible assistance.

When preparing to open a supplemental claim, you can rely on the professional assistance from East Coast Public Adjusters.

We offer more possibilities to meet your every need

We represent your interests, not those of the insurance company. If your home, business, commercial property or association has suffered a loss, you’ve come to the right place!