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Hurricane Florence Damage Assessments, Claim Reviews and Resources

Was your business or commercial property damaged by Hurricane Florence?

Have your claim reviewed by Claim Management Adjusters, the Carolinas’ most established public adjusting firm. Our extensive network of restoration, roofing and water mitigation professionals will then work to ensure you are back up and running with as little downtime as possible.

A properly executed damage assessment can help with:

  • Communicating the loss more effectively to the estimator
  • Managing carrier disagreements
  • Educating the insured on the loss incurred
  • Increasing your net profit

Additional benefits of a damage assessment:

  • Clear, accurate scope
  • Leverage during adjustments and disputes
  • A template for future jobs
  • Fewer jobsite visits
  • Increased earnings through supplementing

Why Hire a Public Adjuster?

  • Expertise: Insurance comes with a lot of paperwork and fine print. A public adjuster can help you understand how your policy works, and can also guide you through the necessary steps to complete your claim.
  • Time: Managing your claim can easily become a full-time job. Your public adjuster will spare you from hours of correspondence, documentation and review, so you can focus on regaining a sense of normalcy.
  • Pace: The combination of expertise and availability makes a public adjuster more equipped to expedite the claim filing process. Insurance companies speak their own language, and if you don’t understand it, you might find yourself needing two or more attempts to complete each of their requests.
  • Representation: Without an expert by your side, your insurer will have no reason to believe that you could and would challenge an unjust settlement. Hire a public adjuster to show that you are serious about your claim, and to assist with next steps if your claim is denied.
  • Value: Lastly and most importantly, a public adjuster can recover a sum that truly helps you move forward. A study by the Office of Program and Policy Analysis & Government Accountability in the State of Florida showed that business and homeowner insurance settlements are 747% larger when a public adjuster is involved.

After a catastrophic event such as Hurricane Florence, a public adjuster is needed more than ever. Insurance companies are handling a high volume of insurance claims in a short period of time, often missing or overseeing important details. Many insurers aren’t even using their own adjusters to handle the workload! Instead, they hire third party providers who then hire 1099 Cat Adjusters. A public adjuster ensures you don’t get caught in this trap.

If your property received damage from Hurricane Florence, contact Claim Management Adjusters before filing a claim with your insurance company. All you have to do is complete our short form, and you will receive a quick response from one of our experts.

Other Helpful Resources

Fire and Large Loss Estimating Services

A Professional and Hassle Free Solution

Just like you we want people to keep their promises and keep things simple. We expect something we purchase to be delivered with dedication to best practices, our best interest and professional conduct. This is exactly what you can expect from us through our Xactimate estimation services! For the last decade, CMA has built a nationwide reputation for being the go-to public adjusting firm for fire and large loss estimates.

Our Xactimate estimating service will help you focus on growing your business and signing more deals versus spending too much time working those deals. Our team of Xactimate estimating professionals come from years of experience and a diversity of roles within the insurance restoration industry including insurance adjusting, construction, and restoration. Moreover, they have integrity and everything written into each Xactimate estimate will maximize every justifiable penny. We have the talent you need to get the job estimated quickly and accurately.

  • Certified Xactimate professionals

    Insurers, loss adjusters, restoration and reconstruction contractors who use Xactimate to estimate repair costs achieve greater speed and accuracy in their claims-handling workflows.

  • Affordable flat fee solution

    Hold tight to your bottom-line by keeping your fee fixed. Let us quote your work and keep it simple for you. Our clients absolutely love this about us!

  • Easy process for quick turn-around

    Our hassle free process makes for a successful and quick turn-around. From the very first internal review and throughout the drafting process we build your custom preferences and deliver a better product time over time.

We’ve given CMA nearly 20 claims over the period of a few weeks following a catastrophic flood that hit our state. They push hard to get our estimates completed quickly so we can keep signing deals and helping people. And their fixed fee is perfect for our bottom-line.

testiminial-253x300 Stevephen
CEO & Public Adjuster

Free Wind & Hail Damage Assessments

Does Your Home or Business Have Hail or Wind Damage?

As insurance consultants who specialize in dealing with property damage loss claims, not a day goes by that we don’t consider the many unsuspecting home and business owners impacted by this peril. In the wake of this damage we offer free onsite inspections and then provide insurance claim settlement options to the policyholder.

If you can answer ‘Yes’ to any of the following items then please submit a request form to us immediately:

  • Did you witness hail hitting your structure?
  • Did hail affect any structures nearby you?
  • Can you see any shingles missing from your roof?

A properly executed damage assessment can help with:

  • Communicating the loss more effectively to the estimator
  • Managing carrier disagreements
  • Educating the insured on the loss incurred
  • Increasing your net profit

Additional benefits of a damage assessment:

  • Clear, accurate scope
  • Leverage during adjustments and disputes
  • A template for future jobs
  • Fewer jobsite visits
  • Increased earnings through supplementing

Once received, a member of our team will contact you within one business day to discuss the details of your situation and schedule your site inspection.

We were completely stressed out over itemizing all our things lost in the fire – especially figuring out depreciation. We are so grateful for the help CMA provided. They handled much of the burden during an extremely traumatic time.


Wendy 
Homeowner

CMA Now Offers Insurance Appraisals Nationwide

Claim Management Adjusters (CMA), a full-service public adjusting firm committed to helping families and businesses recover from insurable property damage and loss, is expanding its nationwide services to include appraisals for restoration contractors.

“Having served restoration contractors and insureds for nearly a decade, we are confident in adding appraisals to our offerings,” said CMA’s Jeremy Walls. “We know we have the skills, network and processes to add value and get results.”

Established in 2009, CMA is well-versed in the claims and appraisal process. The new appraisal division provides contractors and third-party estimating and supplementing partners a seamless, scalable escalation process for:

  • Roofing Claims
  • Fire & Flood Claims
  • Water Mitigation Claims

With affiliate appraisers located across the U.S., CMA is able to process appraisals at high volume, anywhere in the country—even during large-scale disasters.

When to Bring in an Insurance Appraiser

Oftentimes, an initial insurance claim offer is much lower than is needed to repair the damage. When this happens, the contractor or a third-party claim manager will dispute the offer on behalf of the policyholder and, ideally, reach a formidable settlement. However, in cases where the parties “agree to disagree,” the contractor or claim manager can choose to bring in an appraiser to calculate the amount of loss from a neutral perspective. This is especially helpful for contractors, who prefer to focus on growing their business and serving customers rather than negotiating with insurance companies.

How an Insurance Appraisal Works

An insurance appraisal is a form of alternative dispute resolution—much faster and far less costly than going to court. The appraisal process allows both parties (the insurer and the policyholder) to choose their own independent appraisers. The appraisers then agree on an “umpire” to act as the arbiter before conducting separate appraisals.

The umpire will not be involved if the appraisers can agree to a fair, binding settlement based on their itemized calculations. If they are not able to agree, the umpire is brought in, and the decision agreed to by two of the three parties will stand (again, legally binding).

Why a Public Adjuster Makes a Great Appraiser

As an experienced public adjusting firm, CMA is well-versed in documentation, evaluation, negotiation and other key aspects of insurance disputes. Our appraisers are trained and qualified to analyze, investigate and assess damage from fires, floods and other perils. We are here to support our fellow industry professionals and advocate for the consumers they serve.

Contact us for a free consultation.

Benefits of Hiring a Public Adjuster

Why Hire a Public Adjuster to Manage Your Insurance Claim?

Shock, anxiety, depression, fear–property damage or loss evokes a world of emotions that can be difficult to overcome. That’s not to mention the utter disruption to your livelihood. 

Your insurance provider is there to help you, but they are not in the business of handing out money. They know that most property owners don’t have the time, patience or knowledge to scrutinize a settlement. That’s where a public adjuster comes in to handle the legwork for you and ensure that you receive adequate funds to recover from your loss.

The benefits of hiring a public adjuster are:

  • ExpertiseInsurance comes with a lot of paperwork and fine print. A public adjuster can help you understand how your policy works, and can also guide you through the necessary steps to complete your claim.
  • Time: Managing your claim can easily become a full-time job. Your public adjuster will spare you from hours of correspondence, documentation and review, so you can focus on regaining any sense of normalcy possible.
  • PaceThe combination of expertise and availability makes a public adjuster more equipped to expedite the claim filing process. Insurance companies speak their own language, and if you don’t understand it, you might find yourself needing two or more attempts to complete each of their requests.
  • Representation: Without an expert by your side, your insurer will have no reason to believe that you could and would challenge an unjust settlement. Hire a public adjuster to show that you are serious about your claim, and to assist with next steps if your claim is denied.
  • Value: Lastly and most importantly, a public adjuster can recover a sum that truly helps you move forward. A study by the Office of Program and Policy Analysis & Government Accountability in the State of Florida showed that business and homeowner insurance settlements are 747% larger when a public adjuster is involved.

The benefits of hiring a public adjuster really strengthens during a catastrophic event when the insurance companies are handling a high volume of insurance claims within a short time span.  

With such a high volume of claims many details are missed and oversights happen with nobody there to catch them. Often, insurance companies aren’t even using their own adjusters to handle the workload. Instead they hire 3rd party companies who then also hire 1099 Cat Adjusters to do the work. A public adjuster ensures you don’t get caught in this trap.

If your property has been damaged or destroyed by a fire, other peril, or catastrophic event, then you may want to consult a public adjuster. You can then assess some of the benefits of hiring a public adjuster first hand.

Here are 3 real examples for why you should consider hiring a public adjuster to handle your loss.

Hands Are Tied? Why Contractors Love Public Adjusters

I don’t go a week without hearing how frustrating it is when a contractor reviews an estimate provided by the insurance company doesn’t come close to paying for full replacement of what a customer lost.

More often than not, the insurance estimate doesn’t include any overhead or profit, either. These inadequacies impair a contractor’s ability to provide what is needed to get the customer back to enjoying life again.

Worse yet, the contractor and customer can’t do much about it. Their hands are essentially tied and the insurance company gets away with inferior assistance.

ONE EXAMPLE I ENCOUNTERED RECENTLY

Just the other day, I had a contractor named John call me, facing this same challenge with his customer. John has been a professional builder for over 20 years and knows his business inside and out. He was referred to a customer looking for a good contractor to work with in repairing their home after an attic fire.

The customer received an insurance estimate for $14,000 to repair the home. Immediately upon review, John knew this wouldn’t be enough to sufficiently complete the job. After having this estimate professionally corrected, it had a $7,000 increase! This sounds great, right? Sadly, it will more than likely be denied or settled at a much lesser payout because neither the contractor nor the customer can hold the insurance company accountable.

John could easily school the insurance adjuster on why their estimation was inferior to his own estimate. But in reality, he can’t do this because he isn’t allowed to represent the customer during an insurance claim settlement. It’s illegal for him to do so. The customer could legally argue for the increase, but unless they can professionally dispute the situation, they will likely be unable to successfully contend for the monetary increase.

Contractors love public adjusters because we can legally represent the customer, effectively contend for the superior estimate and quickly bring accountability to the insurance company.

If you are a contractor and have faced challenges such as that in the example above, the best move you can make is to refer your customer to a trusted public adjuster as quickly as possible. The benefits of hiring a public adjuster will benefit both the contractor and customer. The sooner we gain control of the situation, the more likely we will obtain an optimal and successful outcome. 

3 Home Insurance Claims That Show Why You Need a Public Adjuster

I have never seen such an amount of proof of the corruption many insurance companies participate in while they “help” their customer through the claim’s process.

I know it might seem hardly believable if you are a good citizen who has been paying premiums on time and to a highly-rated insurance company. However, I guarantee nearly all people felt the same way prior to seeing it with their own eyes. I’ve seen it with my own eyes and feel compelled to openly share my experience in hopes of encouraging you to have your claim reviewed by an experienced public adjuster early on in the process.

As the operating COO of Claim Management Adjusters, one of my main duties has been to craft and launch the estimating service we provide contractors, other public adjusters and nearly anyone busy with insurance claim settlements. To date, I have never been exposed to the inner-workings of more estimates any other time in my professional career.

Here are a few before & after examples:

These examples are taken from homeowner insurance claims I’ve personally witnessed where the insurance adjuster gives the customer an estimate based on their scope of loss, and then upon CMA’s review, a new estimate outlining what the customer is actually owed is presented.

Ex 1: Louisiana Residential Flood Insurance Claim

Original estimate completed by the insurance company: $99,200
Estimate completed by us: $135,200
A difference of $36,000

Ex 2: Indiana Residential Fire Insurance Claim

Estimate completed by the insurance company: $44,000
Estimate completed by us: $89,000
A 200%+ increase the insured can now use for making repairs

Ex 3: Indiana Roof & Exterior Insurance Claim

Estimate completed by the insurance company: $13,800
Estimate completed by us: $22,000
$8,200 missed by the insurance company

I hope this shows you a little of what I see each day. There is no doubt in my mind that every home and business owner who suffers an insurable loss should at least have their insurance claim reviewed by an experienced public adjuster as early in the insurance claim settlement process as possible.

Read more about the benefits of hiring a public adjuster.

Ready for your free consultation?

We are looking forward to speaking with you. Please send us your information and we will get back to you within 24 hours or the next business day.

HEADQUARTERS

Indianapolis, IN
(844) 262-9110

About CMA

CMA is a disaster recovery and loss consulting organization focused on the principles of maximizing and expediting our clients´ financial recovery from property losses and insurance claims. CMA offers a network of public adjusters with over 25 years of practical experience.

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