It is best to use the services of public adjuster when you need to file for a property insurance claim. If you contact us before sending the claim application to your insurance company, we not only prevent the common mistakes from occurring but also do the significant work in documenting your insurance claim for maximum benefit. As a Hawaii Public Adjuster we ensure that there are no loopholes when it comes to filing for the claims. We prevent all potential delays in the claim process for the insured.
If you have already been paid or received an offer only for a part of your insurance claim, A Public Adjuster can take over from that point. We offer FREE claim evaluation and get paid only if I discover areas of underpayment and/or items that were left out of your insurance settlement. As public adjusters we then re-document and cross-reference every aspect of your property damage or loss and check the things that were not originally included or were not properly paid for. We will work to maximize the total amount that you finally receive from the insurance company.
By law we are allowed to reopen an insurance claim (Ex FLORIDA allows 2 years from the date of loss or breach) if you were not adequately compensated in the first instance, as your public adjuster we make the process easier and quicker. National Adjusters, Inc. will find areas of underpayment and/or items that were left out of your insurance settlement. Statute of Limitations mentions the period of time between the date of loss and the deadline for you to file a lawsuit for a claim (may differ from State to State).
As a Top Rated Hawaii Public Adjuster we have reviewed numerous insurance claim denials and have found coverage for many for them. We work as and with a team of loss experts, appraisers, engineers, contractors, geologists and attorneys to reassess your losses and look into all documents that were prepared and submitted for the claims. We leave no stone unturned to get you the justified claims that you rightfully deserve.
Most insurance policies contain a certain provision which stipulates that either the insured or the insurance company has the right to demand "Insurance Appraisal" if that party disagrees as to the amount of the insured loss. The Appraisal process is offered to both parties to the insurance contract or "Policy" as a less expensive and more expedient alternative to going to court in order to reach agreement on the damage amount. Appraisal has many similarities to binding arbitration but the two processes are not identical. The Appraisal Panel is made up of three participants: the insured and the insurance company both select an Insurance Appraiser to represent them in the process then they both select a neutral Umpire which has to be agreed upon by both parties to serve as the final decision-maker should the two Appraisers have differences that they cannot resolve.
National Adjusters is considered a leader in Hawaii do to its extensive experience representing the insured in the Appraisal process. Our firm has participated in over 3000 Appraisals since July of 2006. Our principal, Bryan E. Thomas has participated in hundreds of Large Loss Appraisals on behalf of the insured over the course of his career. Our practical knowledge of the carrier’s outlook on property insurance files and experience has proven most beneficial to moving our clients’ current disputes toward resolution with their insurance carriers. We find the Appraisal process, if properly utilized can be a very effective means to properly conclude complex insurance claims in a timely manner.
Many commercial business owners and homeowners find themselves disagreeing with their insurance company's analysis of their insurance claim. However, most are unaware that they can dispute the insurance company's findings via the Insurance Appraisl Process!
During the Insurance appraisal Process : National Adjusters will be your Insurance Appraiser! We work for you, never will we work for the insurance carrier.
Mediation is another form of alternative dispute resolution that may be utilized instead of taking a matter to the judicial system or Appraisal for settlement. Mediation is a non-binding and confidential forum wherein participants can work to improve their understanding of each other’s position and, with the assistance of a neutral mediator, attempt to work out an equitable settlement. The mediator does not impose any decision on the parties in disagreement, but rather helps the parties to reach an agreement which is mutually acceptable. National Adjusters has partaken in mediation a great number of times and dependant on the type of claim and all the variables Mediation may be a option, though it is less likely to reach conclude successfully then the Appraisal Process if you have the option of both.
Defined by the "Windstorm Insurance Network", an umpire is a competent, disinterested, impartial individual who is charged with making a decision regarding the value of property or the amount of a property loss. In the property insurance industry an umpire is an appointed professional in an insurance claim dispute who makes a binding decision after the two parties in an appraisal process fail to agree on a loss. In short, an umpire should be a well trained dispute resolution expert who may have experience in understanding insurance adjusting and all its facets. The option to appoint an umpire is done in the appraisal process, which can be found in most property insurance policies, although a few insurance companies have actually removed the appraisal claus.. This is a process that can help both sides avoid the cost of litigation while reaching a mutually beneficial resolution. We believe the services of an umpire should be utilized in many appraisals. While Umpires may not be used to the fullest extent, an umpire should be appointed at the beginning of the appraisal process so they are available and ready to go in the event the two appraisers cannot agree on the items in dispute.
National Adjusters Principle "Bryan E. Thomas is able to act as an Umpire on claims that National Adjusters is not the appraiser or Public Adjuster.
My friend referred me to hire a National Adjusters, and I have to say I was a bit skeptical as I have been misled by others promising results and always coming up short. National Adjuster, has proven themselves to me and five of my personal friends and family, he has gone the distance and stayed persistent in achieving some amazing results when we felt completely frustrated dealing with all the insurance company delay tactics, attempts to low ball our insurance claim and poor claims handling practices. I have invited several of National Adjusters public adjusters to my family functions as I feel everyone should have someone like them close by when disasters happen.
I have nothing but praise for National Adjusters! They came in with a crew of engineers, roofing consultants, and inspectors, did a ton of detailed paperwork and many supplemental reports, dealt with our insurance company adjusters, and within months National Adjusters came through with over $1 million dollars of additional insurance money. You kept us informed along the way, and you were there for us. Thank goodness for National Adjusters, Inc.
I am an insurance agent myself and have been for over 30 years. My wife and I have owned many homes and several apartment complexes. We filed our first claim in eight years and after waiting for 3 months for an adjuster and another two months for an engineer they sent, my insurance company said my claim was under my $1,000 deductible. It was then that I got extremely upset and called National Adjusters. Within 30 days they inspected my home, had a roofing consultant, an industrial hygienist, a certified infrared technician and other professionals inspect the damage, and sent me a check from my insurance company for almost $35,000 after applying my $1,000 deductible. They were extremely polite, efficient, and obtained excellent results. I would recommend National Adjusters, Inc. to anyone with an insurance claim in these difficult times. I no longer work in the insurance industry because insurance companies have grown difficult to deal with and the customer service is no longer there. That is why anyone with an insurance loss needs a Public Adjusters to act on their behalf and eliminate the stress!
I am a senior risk manager at a large manufacturing firm who recently used National Adjusters, Inc service to assist us with our insurance company. I just had to write and let you know how satisfied I am with the results your organization was able to achieve! The business interruption calculations allowed us to get additional coverage and payment that the insurance company adjuster denied, the machinery replacement costs were finally paid per your expert evaluations a 400% increase, not to mention the fact that your team was able to successfully reduce the amount of depreciation the insurance company was attempting to apply. I honestly thought I could handle this insurance claims process myself; BOY was I wrong and at the same time grateful for the assistance National Adjusters was able to provide. You truly made me look like a hero to my superiors. I am so glad that I took a chance on you!