Toll Free: 888-890-2288 Local: (267) 880-3000 Email: info@AllianceAdjustment.com

FAQ

Why are you called “Public Insurance Adjusters?”

To distinguish us from the insurance company’s adjuster, and because we represent you, the public, exclusively.

Can I prepare my own claim?

Sure, but it stands to reason that an Alliance adjuster who has years of experience and training can complete your claim more thoroughly to ensure you the highest settlement possible.

Can’t I prepare a claim of my own property better than you?

No. A professional adjuster who handles and prepares claims everyday, can do it more competently and effectively than the average insured, who may have only one loss in a life time.

Why do I need help in filing an insurance claim?

The typical fire policy contains hundreds of provisions and stipulations, various forms and riders that are constantly changing, and many complex details about your requirements in case of loss. Most people do not know or understand these policy provisions and do not realize that the burden of proof is on them, the policyholder. Most insurance company representatives actually prefer to work with an experienced public adjuster rather than an inexperienced insured.

How can you serve me better than the insurance company adjuster or independent adjuster?

The insurance company adjuster is employed exclusively by the insurance company and must try to strike a balance between your interests and those of the insurance company. Alliance adjusters are working for your best interests exclusively.

Why should I engage you to obtain what is rightfully due to me?

Do you really know what is rightfully due to you? Alliance does! We are your representative exclusively. Insurance companies offer to pay what is due to you as they see it. With our knowledge and experience, we are able to obtain a more favorable adjustment for you, the insured.

Will the insurance company recognize you as my representative?

Yes! Most insurance adjusters actually prefer to work with an knowledgeable claims handler. It is to the best interests of all concerned that a fair and prompt settlement be made.

Will my insurance agent or broker take care of, and adjust my claim?

The agent or broker serves you at all times in connection with your insurance coverage. He or she generally does not have the time, training, or facilities to render the highly specialized service of insurance adjusting.

In the event of a fire or similar destruction of property does my insurance pay the entire loss?

This depends upon the type and amount of insurance you carry. It also depends on the experience and expertise of your representative, not that of the insurance company’s adjuster. Many insurance policies may pay more than the amount shown on the declaration page. An Alliance adjuster working for you can ensure you receive everything to which you are entitled.

How can you assist me?

In settling your claim, the insurance company will cover only in accordance with the terms of your policy. It is up to you to prove your loss! And there may be many questions as to how the policy stipulations could or should be applied in different circumstances. We are your experts when such questions arise. Our years of experience and specialized knowledge make it possible for you to receive the maximum amount to which you may be entitled under your insurance policy. Our professional help relieves you of the work, worry and the enormous amount of time consuming detail in claim filing. This allows you to devote your time and effort to your business and other activities.

Will you take care of my claims other than fire?

Yes. Alliance can assist you in any property loss claims against your insurance company. These include but are not limited to windstorm, water, explosion, snow, hail, smoke, motor vehicle damage, use and occupancy, rentals, improvements and betterments, commission and profit reporting forms and others.

Are you in anyway connected with insurance companies?

No. No. Alliance is retained exclusively by you, the policy holder, and never by the insurance company.

Do you sell insurance or act as insurance agents?

No! If we were to do so, we would become a representative of the insurance company, and would no longer represent you exclusively and independently.

What is the extent of your responsibility?

Our Alliance adjuster assists you 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.

How do you determine the actual loss?

Our Alliance adjusters take a physical inventory, obtain all pertinent appraisals and make sure all provisions in your policy are fulfilled.

Will Alliance Adjustment Group help me receive a more prompt and satisfactory settlement?

Yes! We lose no time in complying with the policy requirements to obtain and evaluate the facts and prepare the claim. The alert, knowledgeable and prompt service we render often preserves evidence that otherwise may be overlooked or destroyed. The more thoroughly and completely your claim is compiled and prepared, the faster our adjuster can accomplish an equitable and proper settlement in your best interest.

What special help can Alliance Adjustment Group give me with technical questions?

Alliance Adjustment Group are the experts to turn to when such questions arise. We are concerned only with your best interests. Because of our broad experience and specialized knowledge, we prepare your claim so that you can recover to the fullest extent on your insurance coverage. There may be many questions and problems as to how the policy provisions can be applied in different circumstances.

What will you do for me?

Alliance Adjustment Group will advise and assist in the preparation of inventories, estimates and other factual proofs of loss. Alliance will handle all the necessary details for compiling and filing the claim, as required by the terms of your insurance policies. We will confer with the insurance company representatives and handle all negotiations essential to a proper and satisfactory adjustment of your claim.

Who currently employs the services of Alliance?

In addition to homeowners employing the services of Alliance, realtors, attorneys, property managers, landlords and commercial firms can also benefit from calling Alliance when property damage happens to their clients, customers, tenants or employees.

How much does Alliance Adjustment Group charge for their services?

Fees are contingent upon recovery and on a percentage basis. The percentage will be agreed upon in advance so there are no controversies when settlement with the insurance company is concluded. Alliance represents YOU, and only you!