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Property Claims BLOG

David Miller

David Miller

Thank you for visiting us. My name is David Miller, and I know what it means to have to fight with your insurance carrier just to get fair payment for your property damage claim. My family suffered a total loss house fire that took nearly two very stressful years to settle. Since, I combined my experience in construction with my expertise in contract language to create Miller Public Adjusters. We work exclusively for policyholders. Please feel free to comment, ask questions, and let us know how we can help.

Recent Posts:

The Hidden Damages of a Fire Loss

There’s more to fire damage than meets the eye. Fire can also cause hidden damages that can be hard to detect. The two main culprits: smoke/soot damage, and water damage. Knowing about these additional impacts on your property, and how to take care of them, helps ensure you’re reimbursed appropriately for your claim.

Building Code Compliance Adds Substantial Cost When Rebuilding After a House Fire: Who Pays the Bill?

Building codes are in a constant state of evolution. Advancements in engineering, technology, safety, building materials and methods, and changes in the physical environment all drive changes in building codes. If your fire-damaged home is 10 or more years old, complying with the current building codes may add substantial cost to your reconstruction. Will you be stuck with the bill?

Who Decides Whether You Should Rebuild or Repair Your Home After a House Fire?

There’s a long list of things to consider when it comes to deciding whether your fire-damaged home can be repaired, or if it needs to be razed and rebuilt. Your insurer is likely to push hard for the lowest-cost option, but this bare minimum may fall short of what you actually need and what your homeowners policy promises.

Deciding To Salvage or Not to Salvage Personal Property After a House Fire Significantly Impacts Your Fire Claim

When you suffer a house fire, your insurer begins the process of calculating how much they will offer for your damaged personal property loss based on whether the property is deemed salvageable or non salvageable. The category each item falls into has a substantial impact on how your property will be covered under the terms of your homeowners insurance policy.

Wisconsin Businesses Shut Down Due to COVID-19: Experts are Finding Coverage While Insurance Carriers Claim Exclusions

Experts are finding insurance coverage for business interruption losses related to Covid-19. Here’s what you need to know and what to do next to find out if your business is covered.

4 Critical Actions That Predict How Your House Fire Insurance Claim Will Go

Every house fire insurance claim is unique and must be adjusted based on how the policy language and laws apply at the time of the loss. While most homeowners insurance policies provide coverage for fire, not all policyholders are treated equally when settling their claims. Below are four actions you can take to position your fire insurance claim for a successful outcome.

Decide in 4 Minutes if Hiring a Public Adjuster is a Good Option to Maximize Your Fire Insurance Claim Settlement

It’s normal to feel overwhelmed and uncertain about how your fire damage insurance claim will turn out. But you don’t have to let your fears continue. At Miller Public Adjusters, we can assess your loss, read your policy, and give you an expert’s view of what to expect from your house fire claim — all for free.

Negotiating Your Fire Damage Insurance Claim Settlement Starts When You Report Your Fire Loss

Your homeowners insurance policy is a legally binding contract between you, the policyholder, and your insurer. Your homeowners insurance claim is a lengthy negotiation about how much your insurance policy should pay for your insured damages. Contract negotiations start when you report your fire loss.

Documenting Your Loss is a Difference Maker in Proving Damages From a House Fire

In the aftermath of a house fire, what once was normal is now chaos, and everything demands your immediate attention. One of the things you don’t want falling through the cracks is documenting your loss. Making sure you have abundant documentation of your damages and recovery efforts is critical in negotiating a full and fair settlement for your homeowners insurance claim.

Know How You'll Prove These 5 Things Before Deciding to Settle Your Homeowners Insurance Claim Without a Public Adjuster

It’s easy to talk about settling a homeowners insurance claim like it’s a single event. But unless you suffered a total loss and your carrier is paying your policy limit immediately, your final settlement will be the sum of many smaller settlement payments made to you over time.

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