An experienced Public Adjuster knows:

• how to read and understand your insurance policy.


• the laws and statutes that apply to the insurance industry that are meant to protect you the insured.


• how to protect your interests and make sure you receive a fair and appropriate settlement.


• how to guide and direct you in your duties of loss mitigation.


• which temporary repair measures the insurance company will pay for and which they won't pay for.


• which testing and evaluation methods the insurance company will pay for and which they won't pay for.


• how to evaluate and document your loss.


• how to test for conditions that confirm the existence of your loss.


• how to discuss your loss with the insurance company adjuster.


• which limits apply to the various aspects of your loss such as dwelling coverage, personal property, living expenses required if you are not able to stay in your home, mold coverage and much more.


• what constitutes personal property and what constitutes dwelling coverage.


• what ACV (actual cash value) is v.s. replacement cost, when it applies and what values are appropriate in your circumstances.


• which items of loss are subject to depreciation.


• how and when law and ordinance coverage is appropriate for your claim.


• how to prepare a detailed estimate of your loss in a format that is acceptable to the insurance carrier.


• how to discuss your loss in terms that your insurance company understands.


• how to submit your claim in a timely manner, consistent with the terms of your policy, and in a package that will minimize delays.


• how to negotiate with your insurance company on your behalf so that your settlement is appropriate to your loss.


• what to do when the carrier refuses to step up to the plate with the proper amount of money for your loss.


• what to do when the carrier delays and drags out your claim in an effort to discourage you and wear you down.


• how to avoid having your claim legally closed when you might have future losses to claim.


• what your options are when the insurance company won't budge.


• what to do when your insurance company goes out of business.


• how to draw on other professionals to assist with your loss.


• how to work with your mortgagee or bank to get your funds signed over to you for repairs.

Contact me to get things started. Call 617-633-8419 or email bob@rsinsuranceadjuster.us. There is no cost until you get results.