Residential Services

Additional Living Expense

Prepare additional living expense claim, taking into account how your household works.

Identify if policy allows you to collect for fair rental value or additional living expense based on what works best for you.

Suggested available reimbursements:

• Extra mileage costs to and from work, shopping, etc.
• Extra mileage cost to transport children to friends, school, parties, etc.
• Additional pet care costs
• Additional food costs
• Additional housing costs
• Additional phone costs
• Additional cleaning and laundry costs

Contents

Photograph all remaining debris.

Observe debris pile for any remaining contents items. Preserve and document remaining items for later use in dispute resolution.

Give claimant for use in preparation of memory list with assistance in helping claimant remember missing items.

Provide inventory specialist to work with the client, helping them recreate from memory:

• Full description of lost items
• Research accurate replacement cost
• Fairly depreciate items due to age, wear and tear and other appropriate criteria
• Collect receipts, if available and cross reference to inventory
• Supply date and place of purchase(if known.)

Package and submit inventory to insurance company.

Hold settlement talks with insurance company.

Building

Photograph footprint of structure and all remaining structural debris.

Develop a scope of loss including:

• All build-outs and specialty​ items from original designs
• All decorative building treatments and finishes including wallpaper, paints, tiles, and ceramics, fixtures, skylights, window treatments, electrical, appliances, etc.

Recover extended/replacement costs and code upgrades.

Explanation of options available to qualify for supplemental replacement cost claims(i.e rebuilding or purchase of another dwelling)

Adjust actual cash value/fair market value settlements to secure the most meaningful outcome(i.e for partial payments and when replacement cost is unavailable.)

Matterport Scanning Brings Greater Accuracy!

Interactive 3D modeling allows revisiting the area remotely across any device.

Combined with powerful estimation software like Xactimate, you are empowered with irrefutable evidence of home and contents value.

Representation
For The
​Insured

We step in as the first line of communication between you and the carrier.

​Your public insurance adjuster assists with every phase of preparing and presenting your claim, as well as accomplishing an adjustment for you which is equitable and includes everything to which you are entitled under your insurance policy. They commonly have prior experience in construction (and other related fields) and use sophisticated software to undergo an independent evaluation of a client's property loss. Public adjusters aren't just better equipped than the average policyholder to estimate the costs incurred from a property loss -- they know exactly how to log and submit initial and supplemental claims and do this for a policyholder.