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Replacement Cost Value(RCV) VS. Actual Cash Value(ACV)

By David Miller | 10 Jul 2013

When it comes to understanding insurance coverage there are numerous terms and language that most policyholders are unfamiliar with. These include Indemnity, Actual Cash Value (ACV), Replacement Cost Value (RCV) and Depreciation.

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What to do After a Water Loss

By David Miller | 08 Jul 2013

If your home has suffered extensive water damage after a storm, flood or frozen pipe, you need to act fast, assess the damage, and get assistance from a reliable public insurance adjuster in order to obtain a fair amount of compensation to be used for repairs.

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Top Mistakes Made After a Loss

By David Miller | 08 Jul 2013

When your family or business encounters an unfortunate loss of any kind, it is important to avoid these mistakes to ensure a smooth and successful claim settlement.

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Insurance Claim Appraisal Process

By David Miller | 08 Jul 2013

The appraisal clause can be executed if there is any disagreement between the policyholder or the insurance company regarding the actual cash values and/or the amount of the loss. Appraisals can be an inexpensive and effective alternative to going to litigation or a lawsuit to dispute the disagreement in values.

After a written request from either party to start the appraisal process, each party must select their own competent and impartial appraiser. Once each party has selected their own appraiser, the those two will typically agree on a 3rd party umpire. The umpire will work with the appraisers to mediate the differences and come up with the correct loss amount.

Each appraiser's job is to come up with their own actual cash values and total amounts for the loss. Each appraiser will submit their reports to the umpire whom will be the final say on the actual total value the insurance company will pay for the loss.

Each appraiser will be paid separately by each party and the umpire's cost is split between parties, the policyholder and insurance company.

Miller Public Adjusters can work as your appraiser when there is a disagreement between you and your insurance company, and the appraisal clause needs to be executed.

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Welcome to the Miller Public Adjusters Insurance Claim Help and Advice Blog

By David Miller | 02 Jul 2013
Miller Public Adjusters thanks you in advance for taking the time to look at our website and blog we have created to help the policyholder with any questions, problems, or advice for getting through an insurance claim. Feel free to look at some of our blog posts for info on Public Adjusters and advise and help with your insurance claim.

We welcome any inquiries and feedback from you. Feel free to contact Miller Public Adjusters or Ask a Claim Expert a question for immediate attention. You may also refer to our Common Questions or Services pages for more info. We thank you again for taking the time to review our website. Read More >