Your Compass in the Insurance Landscape
Navigating the Complexities of Insurance and Turning Damages Into Triumphs
Our Public Insurance Adjusters Work For YOU, NOT The Insurance Company.
When damage to your home or business requires that you file an insurance claim, don’t face the insurance carrier alone. Don’t settle for what the insurance company thinks you deserve. Insurance companies typically offer an initial settlement that is only a fraction of your claim value.
Get The Settlement You’re Entitled To
Our Approach
Utilizing a public insurance adjuster to file a property casualty claim can offer numerous advantages for homeowners.
Firstly, a public insurance adjuster is a licensed professional who specializes in insurance claims and has extensive knowledge of policy terms and conditions. They can thoroughly assess the damages caused by a disaster and accurately determine the value of the claim, helping you to try and receive maximum compensation from your insurance company.
Additionally, a public insurance adjuster can handle the entire claims process on your behalf, saving you valuable time and allowing you to focus on your daily life. They possess strong negotiation skills and can effectively communicate with insurance adjusters, advocating for your best interest.
Legacy of expertise
Our Approach
Utilizing a public insurance adjuster to file a property casualty claim can offer numerous advantages for homeowners.
Firstly, a public insurance adjuster is a licensed professional who specializes in insurance claims and has extensive knowledge of policy terms and conditions. They can thoroughly assess the damages caused by a disaster and accurately determine the value of the claim, helping you to try and receive maximum compensation from your insurance company.
Additionally, a public insurance adjuster can handle the entire claims process on your behalf, saving you valuable time and allowing you to focus on your daily life. They possess strong negotiation skills and can effectively communicate with insurance adjusters, advocating for your best interest.
Legacy of expertise
The Appraisal Process
The Next Step!
When policyholders and insurance companies disagree regarding the cost of repairing or replacing damaged property, it can be quite frustrating, especially for the policyholder, who often feels he has no choice but to settle for the amount offered by the insurance company. Whether by design or not, insurance companies do not always notify policyholders of their right to participate in various forums to resolve property damage insurance claim disagreements, which are becoming more common. Consequently, many policyholders never realize that they have a right to dispute an insurance settlement amount, nor do they understand how to properly initiate a property insurance claim dispute.
One way for policyholders to dispute their insurance company’s offer is to invoke the appraisal clause within the insurance policy. When conducted properly, an appraisal can be a very effective alternative dispute resolution process. However, you should know that not all insurance policies contain an appraisal clause.
The appraisal clause may include the following language and is a good general explanation of how Appraisal works:
APPRAISAL - If you and we fail to agree on the amount of loss, either may demand that the amount of loss be set by Appraisal. If either makes a written demand for Appraisal, each shall select a competent, independent appraiser. Each shall notify the other of the appraiser’s identity within 20 days of receipt of the written demand. The two appraisers shall then select a competent, impartial Umpire. If the two appraisers are unable to agree upon an Umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premises is located to select a Umpire. The Appraisers shall then set the amount of the loss. If the Appraisers fail to agree within a reasonable time, they shall submit their differences to the Umpire. A written agreement signed by any two of these three shall set the amount of the loss.
Fire Damage with Omega’s Public Insurance Adjusters
Fire damage claims and smoke damage claims are often the largest claims we see, and it is a little-known fact that the smoke can be even more damaging than the fire. Often, even the smallest fire can cause an enormous amount of damage and result in a very costly cleanup from start to finish. Fire damage claims definitely require the help of a Public Insurance Adjuster because the dollars at risk are so high, and the insurance companies hire their own insurance adjusters to deny, postpone, and delay. The whole team works very hard towards minimizing these claim values.
Water Damage with Omega’s Public Insurance Adjusters
We handle large and small water damage claims for our clients, and the most prominent is the water damage Texas claim. The biggest source of these claims is water heaters, ruptured pipes, and dishwasher hoses. Whether you are running a business and get water damage or have something unfortunate happen at your home (such as a leaky pipe or toilet, roof damage leading to rain intake, or some other form of unexpected occurrence that needs to get handled immediately) let our water damage experts Public Insurance Adjusters help you get it fixed properly and fully reimbursed on your claim.
Understanding Mold Damage Claims
In the past, mold damage claims were covered under most property insurance when they resulted from a covered peril, such as a sudden plumbing leak, fire control, storm, or other cause covered by your property insurance policy.
Concerns have increased due to public awareness and scientific knowledge about mold and its health-related hazards. The clean-up, removal, and remediation techniques are costly and hazardous to the personnel completing them. In response to public concerns, insurance carriers are removing such coverage from their policy forms regardless of if it results from a covered peril. In some instances, the insurance companies offer limited coverage for mold/fungus for an additional premium.
Mold contamination should be taken very seriously as it can cause severe illness to some people and considerable damage to property. Before the changes to exclude mold coverage from policies, the carrier quickly minimized the impact of mold, often suggesting a little bleach as a solution. Insurance company representatives often quote the policy exclusions for mold even when coverage may exist for your mold damage. Omega Claims Consultants INC. can assess your mold damage claim and advise you on the necessary course of action.
Mold damages often require testing to identify the remediation protocol for your specific type of mold damage. Once a protocol is prepared, a remediation contractor will follow this document when removing the damage from the building. Upon completion of the remediation, air clearance testing is needed to determine the success of the contractor’s efforts.