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Fire Damage and Smoke Damage Claims

Fire & Smoke

Smoke and Fire Damage claims can be the most devastating among all perils. Even after a fire has been put out, smoke and soot particles are still present and can cause long lasting damage if not mitigation properly.  Fire Damage claims, if not handled properly can, turn into a problem

Water and Mold Damage Claims

Water & Mold

Water damage occurs as a result of storms, floods, burst pipes, sink or tub overflow, sewage or toilet backups and water intrusion from breaches in a roof or window. Coverage for water damage and mold damage can be the most complex peril covered by insurance policies. 

Hail, Wind, and Storm Damage Claims

Hail, Wind & Storm

Damage from wind and hail can cause a fair amount of destruction and they occur frequently enough in all parts the country to worry anyone with property.  A tornado can cause total devastation  to anything in its path.  This typically includes heavy wind damage as well as hail damage.

Hurricane Insurance Claims


 Hurricanes often damage residences and businesses along the Eastern and Southern coastal regions.  Hurricane Insurance Claims are complex and typically deal with multiple policies which each have their own terms and language on how they settle the loss.  Let us help you navigate.

Theft and Vandalism Insurance Claims

Theft & Vandalism

Theft and vandalism is a type of peril that is very unique not only because our security is threatened, but because of factors that need to be dealt with carefully.  Even though it is unexpected, many factors need to be investigated and documented for a successful theft or vandalism claim.

Collapse & Sinkhole Insurance Claims

Collapse & Sinkhole

Building collapse caused by hidden decay or weight of snow and ice, sometimes have very limited and restrictive coverage. Sinkholes in the southern states have become more active and most policies have very limited coverage, if any at all for sinkhole damage.


Has your Insurance Claim been underpaid or wrongfully denied?

We work for YOU, not the Insurance Company. 


Homeowner Insurance Claims Tips

  • Always request a certified copy of your insurance policy
  • Take precautions to mitigation the damage after a loss to prevent from further damage
  • Understand the deadlines to submit claim forms.
  • Take pictures and document every step after the loss occurs
  • Obtain independent estimates on the true cost to rebuild or restore your home to its pre-loss condition
  • Have an expert determine the salvage-ability of you personal property/content inventory

    Finally, if your insurance claim is in dispute or you're unsure of your options, take the time to consult with a Public Adjuster who can help.  We offer a Free Claim Review to assist homeowner after suffering an insurance claim. 

As you are trying to rebuild your home and get back to normal, there is little time for learning the ins and outs of insurance claims to make sure you're not settling for less than what your're entitled to.  Unlike the independent adjusters from your insurance company, we only work for the policyholder and work to  protect your interests and receive the largest insurance settlement possible.

How To Understand and Leverage your Policy

Unfortunately, your insurance company often neglect to assess and sometimes misinterprets your policy. This can result in the reduction of benefits, denied claims and a lower claim settlement.

Each aspect of your homeowner insurance policy should be given thorough consideration by you, your insurance company adjuster and ideally, an experienced and trusted public adjuster. The main coverages are:

  • Dwelling Coverage  - This covers the the insured dwelling, additions, patio covers, built-in fixtures of the home.
  • Other Structures - This covers any detached structure not attached to the dwelling such as detached garages, fences, driveways, sidewalks and yard fixtures
  • Personal Property - This covers personal property or contents owned by, or in possession of the property owner included by limited to personal belonging, furniture, unattached fixtures,  curtains/drapes, and antiques to name a few.
  • Additional Living Expenses(ALE) - This covers any expenses incurred that you otherwise would not have incurred "but for" the covered property loss.  These living expenses payments are meant to help you maintain a reasonable standard of living while your property is being repaired.
  • Law and Ordinance(Code Coverage) - Depending on your state laws and building codes, your policy will have coverage for any increase cost of construction due to the enforcement of building codes.

After any type of loss to you commercial property or business, without the right understanding, expertise, and preparation, the slightest oversight and lack of experience in the claim process could result into substantially lower claim settlement and loss of valuable time.

Understand Business Interruption or Extra Expenses? 

In our experience, most business and property owners have never looked at their insurance policy. Understanding that policy and the coverages is critical to protecting your assets and business. As Licensed Public Adjusters, we understand every aspect of your business insurance policy to protect your interests and maximum your claim settlement in the event of a loss.  The following coverages are all important in any size or type of property insurance claim:

  • Building/Property Coverage  - This covers the the building structure,  fixtures, and permanently installed machinery and equipment
  • Business Personal Property - This coverage includes, furniture, unattached fixtures, "Stock", and all other personal property owned by you and used in your business
  • Electronic Data Processing Coverage - Separate coverage for items owned by you to process data like computers, servers, software, credit card processing machines etc, for covered damage caused by certain power failures, a computer virus, or hacking.
  • Continuing expenses & Extra Expenses -  Pays for ongoing expenses after a loss such as payroll, utilities, certain ongoing overhead. Extra expenses coverage reimburses those expenses that your business incurs that it would not have incurred if the property was not damaged. 
  • Business interruption & Loss of Use / Loss of Rents -  Business interruption pays for the losses that result from your business being shut down or interrupted due to a covered event. The Loss of Income Coverage protects a commercial property owner from lost revenue/income from an inhabitable property resulting from a covered loss.

What is Insurance Appraisal and when is it used?

Insurance appraisal is a contractual process used to settle disputes between policyholders and their insurance companies.  If there is a disagreement in the amount of damage and appraisal becomes necessary, you or your insurance company may initiate the appraisal clause, which is usually done in writing.  Unlike insurance mediation, the outcome of the insurance appraisal process is binding once an award is signed.

If you're disputing any of the following with your insurance company, you may be ready to invoke appraisal

  • The insurance company's estimate is incomplete and limited
  • The insurance company wants to save or clean the damaged property while you feel it needs to be replaced
  • The pricing the insurance company lists for repairing or replacing the damaged items is not sufficient

Can Insurance Appraisal get the more out of my claim?

Insurance Appraisal and Umpire Services

When done right, insurance appraisal is a great tool for settling insurance claim disputes.  A word of caution, without hiring an expert that understands the process, the insurance company will typically have the upper hand.  

The key to winning in the appraisal process is hiring an expert who knows the ins and outs of the process.  Knowing who and how to agree to an impartial umpire is one of the most important factors for a successful appraisal.  Knowing how to negotiate and come to an agreement quickly with the other appraiser and umpire.  A Public Adjuster makes for a great Insurance Appraiser or Umpire.

Who gets involved when Appraisal is invoked?

Understanding the Insurance Appraisal process is knowing who must be involved and why. 

What is an insurance Appraiser? - An insurance appraiser is a competent and disinterested professional who is picked by the policyholder to evaluate the claim, value the property or amount of the loss.  Each party must pick their own impartial appraiser when the insurance appraisal clause is invoked.

What is an Insurance Umpire? - An umpire is a competent, disinterested, impartial individual who is charged with making a decision regarding the value of property or the amount of a property loss. An umpire is appointed in an insurance claim dispute and makes a binding decision after the two parties in an appraisal process fail to agree on a loss. 

Then what? - Once all parties are selected, each appraisal submits their claims to the umpire who works to mediate the differences while listening to each sides position.  The Appraisal Award only needs two signatures to be complete.

The appraisal clause may include the following language and is a good general explanation of how Appraisal works: 


If you and we fail to agree on the amount of loss, either may demand that the amount of loss be set by Appraisal. If either makes a written demand for Appraisal, each shall select a competent, independent appraiser. Each shall notify the other of the appraiser’s identity within 20 days of receipt of the written demand. The two appraisers shall then select a competent, impartial Umpire. If the two appraisers are unable to agree upon an Umpire within 15 days, you or we can ask a judge of a court of record in the state where the residence premise is located to select an Umpire. The Appraisers shall then set the amount of the loss. If the Appraisers fail to agree within a reasonable time, they shall submit their differences to the Umpire. Written agreement signed by any two of these three shall set the amount of the loss.

Finally, if you feel like there is a discrepancy in regarding to cost of repairs or replacement of your damaged property, contact Miller Public Adjusters right away to get started.  We can act as either your insurance appraiser or insurance umpire for your claim dispute.  We will offer a free consultation to review your claim and understand your need for your insurance claim.