Worcester County, Maryland
Berlin, MD Fire Public Adjuster: From a $0 Insurance Offer to $583,644
After a house fire in Berlin, Ocean City or anywhere in Worcester County, your insurance company already has an adjuster working for it. Claim Management Adjusters (CMA) works for you. We are a public adjusting firm licensed in Maryland, and fire claims are most of what we do. On one Berlin house fire, the insurer’s initial offer was $0. We got the family about $583,644.
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Why fire claims get underpaid
The first estimate on a fire claim usually covers the burned room and not much more. Smoke and soot spread through ducts, wall cavities and attics. Water from firefighting soaks floors and drywall far from the fire. Coastal homes add their own costs: wind-rated windows and roofing, code upgrades, and foundations that need to be checked and repaired. Contents and additional living expenses are easy to undercount when the carrier writes the scope by itself.
A real Berlin-area claim we handled
This is a summary from a CMA claim file. Names, addresses and claim details are left out to protect our client. Every claim is different, and past results do not guarantee a future outcome.
February 2022 house fire: from a $0 offer to about $583,644
The insurer’s initial offer was $0. We signed on two days after the fire. Our own estimator was on site within the week with a code report and a 3D measurement report, and we sent the carrier our completed estimate before its adjuster had finished his. When the carrier moved items like appliances and window coverings out of the structure claim, we added them to the contents claim. We built the personal property inventory with the family until it reached a replacement cost of $248,222, and we tracked the policy’s ordinance-and-law and demolition add-ons that apply once the dwelling limit is reached. Later we filed supplements for foundation work and windows.
Result: From a $0 initial offer, the family received a $367,580 settlement, a second settlement of $171,275, and foundation checks of $34,255 and $10,534, about $583,644 in all.
What we do on a Worcester County fire claim
- Inspect the whole home and document smoke, soot and water damage.
- Write our own Xactimate estimate and compare it line by line with the insurer’s.
- Build the contents inventory with you, room by room.
- Track ordinance-and-law, demolition, debris removal and additional living expenses.
- File supplements for hidden damage such as foundations and windows.
How we get paid
There is no upfront fee. We are paid a percentage of what the claim pays, under a written contract you sign before we start.
Claim Management Adjusters is a licensed public adjusting firm, not a law firm. This page is general information, not legal advice.