USE A MAINE PUBLIC ADJUSTER

or

GO IT ALONE AGAINST A BILLION-DOLLAR INSURANCE COMPANY?

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When disaster strikes your home, business, or vacation property, you are immediately faced with decisions that can have a significant impact on your financial future.

At the same time, your claim is being handled by an insurance company that has substantial experience, sophisticated estimating systems, established claims procedures, and trained professionals whose responsibility is to evaluate claims efficiently and control claim costs.

You are dealing with a professional claims organization. Why would you try to handle your side of the claim alone?

A large insurance company processes thousands of claims. You may only experience a significant property loss once in your lifetime.

That difference in experience matters.

Your insurance company's adjuster is trained to investigate and evaluate the claim for the insurer. Your public adjuster is retained to evaluate, document, prepare, and negotiate the claim for you.

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YOUR CLAIM. YOUR INTERESTS. YOUR REPRESENTATIVE.

Many policyholders mistakenly believe that the insurance company's adjuster is there to identify every possible item of damage and determine everything the policyholder is entitled to receive.

That is not the role of the insurance company's representative.

The policyholder is responsible for presenting and substantiating the loss, while the insurer is responsible for evaluating the claim under the terms of the policy.

That can place an enormous burden on a homeowner or business owner who is already dealing with the consequences of a major loss.

You should not have to become an insurance expert while trying to rebuild your life.

Maine Public Adjuster provides the professional claims representation that puts an experienced advocate on your side.

Our job is to help identify and document the full scope of your loss, understand the applicable policy provisions, prepare the necessary documentation, and negotiate with the insurance company on your behalf.

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MAKE NO MISTAKE ABOUT WHO REPRESENTS WHOM

The insurance adjuster who comes to inspect your property may be professional, courteous, and compassionate. But that adjuster is working on behalf of the insurance company.

That distinction is important.

The insurance company's claims professional has a responsibility to the company that hired them. Their job includes investigating the loss, evaluating coverage, determining the amount of damage, and handling the claim efficiently and in accordance with the insurer's procedures.

Your interests deserve professional representation, too.

A public adjuster works for the policyholder.

That means you have someone whose responsibility is to focus on your loss, your policy, your documentation, and your financial recovery.

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THE INSURANCE COMPANY HAS A TEAM. YOU SHOULD HAVE ONE, TOO.

Think about it this way:

When you need legal representation, you hire an attorney.

When your vehicle needs major mechanical work, you rely on a qualified mechanic.

When your taxes become complicated, you hire an accountant.

You do not hire these professionals because you are incapable of understanding the subject. You hire them because professional experience matters when the consequences are significant.

Your property insurance claim is no different.

When hundreds of thousands of dollars—or even millions of dollars—may be at stake, attempting to negotiate alone with an experienced insurance claims organization can be an unnecessary risk.

You have an advocate. The insurance company has an advocate. The difference is that yours works for you.

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MAKING THE RIGHT DECISION IS KEY

The decisions you make immediately following a major property loss can affect your family, your business, your property, and your financial future.

The early stages of a claim are not the time to guess, assume, or simply accept the first estimate presented to you.

It is the time to be informed, organized, and proactive.

A thorough claim begins with understanding what was damaged, documenting it properly, identifying what must be repaired or replaced, and understanding how your insurance policy applies to the loss.

The right professional representation can make the difference between simply filing a claim and properly presenting one.

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WHAT CAN MAINE PUBLIC ADJUSTER DO FOR YOU?

Even a highly knowledgeable homeowner or experienced business owner can find an insurance claim overwhelming.

Insurance policies are lengthy and complex. Determining how coverage applies to a particular loss can require careful review of policy language, endorsements, exclusions, conditions, limitations, and valuation provisions.

Then there is the damage itself.

You may be dealing with contractors, emergency mitigation, temporary housing, business interruption, damaged contents, receipts, photographs, inventories, estimates, deadlines, and countless other responsibilities.

At the same time, you are trying to get your family back to normal or keep your business operating.

You should not have to carry the entire burden yourself.

Maine Public Adjuster helps manage the insurance-related side of the loss so you can concentrate on what matters most—protecting your family, your business, and your property.

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WHY DO I NEED MAINE PUBLIC ADJUSTER?

Because your insurance claim may be one of the most important financial matters you will ever have to navigate.

Maine Public Adjuster can help you understand your insurance policy and the provisions that may apply to your loss. We can help identify potential issues before they become problems and assist in making sure the claim is properly documented and presented.

We can assist with:

Policy Review
Reviewing the policy and identifying applicable coverages, conditions, limitations, and potential issues affecting the claim.

Damage Documentation
Helping document the full scope of the physical damage and related losses.

Estimating & Valuation
Preparing detailed estimates and supporting documentation necessary to establish the cost of repair, replacement, or restoration.

Contents Inventory
Documenting damaged or destroyed personal property and establishing appropriate values.

Additional Expenses
Helping document additional living expenses, relocation costs, business-related expenses, and other potentially covered losses when applicable.

Claim Preparation
Organizing the information and documentation necessary to present a thorough and substantiated insurance claim.

Insurance Company Negotiations
Communicating and negotiating with the insurance company and its representatives regarding the scope and value of the loss.

Appraisal & Claim Disputes
Where applicable, assisting with appraisal and other procedures available under the insurance policy or applicable law.

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DON'T ASSUME THE FIRST NUMBER IS THE RIGHT NUMBER

The first estimate you receive is not necessarily the final value of your claim.

Differences can arise over the scope of damage, required repairs, construction methods, pricing, code-related work, replacement costs, contents valuation, additional expenses, and other components of a loss.

A public adjuster's role is to examine those issues carefully and present supporting documentation to the insurer.

Your objective should not be to settle your claim as quickly as possible simply because the process is moving quickly. Your objective should be to properly document and resolve your claim.

An efficiently handled claim is valuable.

A properly evaluated claim is even more important.

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ADAMANTLY NEGOTIATE—PROFESSIONALLY AND PERSISTENTLY

Maine Public Adjuster represents your interests in communications and negotiations with the insurance company and its representatives.

When issues arise, we help address them directly.

When additional documentation is required, we help organize it.

When estimates differ, we work to identify and substantiate the differences.

When your family needs temporary housing or your business needs assistance relocating, we help address the insurance-related aspects of those needs when applicable.

Our goal is simple:

To give you a knowledgeable professional on your side and help you pursue the insurance benefits provided by your policy.

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DON'T FIGHT A BILLION-DOLLAR INSURANCE COMPANY BY YOURSELF

The insurance company already has experienced people working on its side of the claim.

You should not have to be your own adjuster.

Do not wait until months into the claim to discover that important damage was overlooked, documentation is missing, or an issue could have been addressed earlier.

The sooner your claim is properly evaluated and documented, the better positioned you are to make informed decisions.

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You Insured Your Property to Protect What You Worked for.

When you suffer a major loss, protecting that investment means more than notifying your insurance company.

It means making sure your claim is thoroughly documented, accurately valued, and professionally presented.

Let the insurance company have its claims professionals.
You have the right to have a professional working for you.

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Maine Public Adjuster LLC.

Your Property. Your Policy. Your Claim. Your Advocate.