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.
Each year from the second Sunday in March until the first Sunday in November, clocks, watches, computers—anything to do with the time of day—are set to Daylight Savings Time (DST), or one hour ahead of Standard Time (ST). Except for most of Arizona, we’ll get that hour back during the wee hours of Sunday morning, November 5, as DST yields back to Standard Time.
What is the leading cause of house fires in the United States? According to the National Fire Protection Association (NFPA) statistics compiled from 2011-2015, a whopping 43 percent of the nearly 360,000 house fires responded to by U.S. fire departments were caused by cooking equipment, followed by heating systems/furnace, 15 percent; electrical systems and lighting equipment, 9 percent; arson, 8 percent; and smoking materials, 5 percent. Other fire causes included unattended candles, dryers and washing machines, lightning, children playing with fire, Christmas tree lighting, and faulty fireplaces.
There are many expenses that come with buying a home. One of the most important is homeowners insurance. While it’s natural to wonder whether this expense is necessary, there are many reasons why it is a crucial protection for any homeowner. Here are a few important things buyers should remember about homeowners insurance:
Here is a scenario that occurs more often than you might think.
If you’re a property manager, real estate developer, attorney or commercial property owner, dealing with a rental property fire claim can be overwhelming. So can navigating the claims process with your insurance company. But knowing what to do in that process and when will surely help ease some stress. Here are some of the things you need to address as a landlord when there is a rental property fire claim.
You won’t find June 28 celebrated with parades, festivals or fireworks. In fact, the only people who give a rat’s tail about National Insurance Awareness Day are those who work in the insurance industry — and most of them don’t even care.
When a hailstorm strikes, it can batter roofs, shred screens and siding, and smash windows. Getting fully compensated for even glaring hail damage from your commercial, BOP or homeowners insurance policy is a challenge. Achieving a fair settlement for anything less than glaring damages can be a nightmare.
Major rain events — like the ones that have been plaguing Wisconsin this summer — get insurance companies busy denying homeowners insurance claims based on water-related policy exclusions.
Continuing the discussion about water damage insurance claims, Attorney Edward Beckmann, of Helmuth and Johnson, contributed the following guest posting about his favorite insurance law tongue twister: the anti-concurrent cause clause.
As public insurance adjusters, we have the benefit of knowing we will help every policyholder who brings us in to their fire damage insurance claim. It may be the only reason our team can take the heartache of seeing family after family who lost everything they have to fire.
When is The Right Time for the Appraisal Clause?
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 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?
This expert’s guide will take you through the steps to manage your insurance claim from start to finish and help you maximize the settlement.
If I could provide one crucial piece of advice to anyone dealing with a major loss due to fire, water damage, etc. – it would be to contact Miller Public Adjusters!
“Excellent experience. I had a major fire which destroyed my business. My Insurance company was hostile and adversarial at best. I hired Miller Public Adjusters. They did everything. I never had to have another conversation with a elusive and hostile insurance company. If I hadn’t hired Miller Public Adjusters to represent me, I would’ve lost everything.”
“Dave is super knowledgable on the process as he’s not only been in the industry for years but he has also had personal experience with his own fire-damaged home. No matter how trivial you may think your question is Dave and his staff will take the time to make sure your questions get answered and you understand the ramifications. His expertise on the matter quickly turned what seemed to be a hopeless uphill battle into a more manageable playing field.
“Top-notch service would recommend Miller Public Adjusters service to anyone. Dave thank you much. The process was great.”
“David and his staff are outstanding and worth their weight in gold. If you need help with any insurance claim, hire them; you’ll be glad you did! If I could rate them 100 stars, I would!”
"Champions. Warriors. Heroes. Lifesavers! That’s exactly what David Miller and his fantastic team at Miller Public Adjusters are! There really are no words to describe what his team has done for me and my family. We are extremely grateful, and they are WORTH EVERY SINGLE PENNY you pay them for their services and then some!"
“Thankfully, the restoration company referred us here. From that point on, David at Miller Public Adjusters reassured us that he would do everything in his power and knowledge to prove that our homeowners insurance should cover the damages. In the end, we won the case and the claim was paid. I can’t thank David at Miller Public Adjusters enough!”
We never would have been able to navigate the confusing world of a total loss claim without their help, guidance and expertise,” Todd stressed. “I would recommend Miller Public Adjusters to anyone who is faced with a traumatic claim that involves dealing with ‘Big Insurance.’ They will absolutely help to alleviate much of the pain.
They were successful at getting the maximum settlement from the insurance company. My family and I are always praising Miller Public Adjusters to people who ask us about the fire. We can’t thank them enough.
“Miller Public Adjusters knows what they are doing and stood firm against the insurance company. Miller Public Adjusters got us everything we were entitled to, and even more than we thought, in a matter of months. We did not have to deal with our insurance company and also did not have to purchase anything and turn in receipts for reimbursement. What a time-saving relief. Miller Public Adjusters are knowledgeable, understanding professionals, and we highly recommend them to all our friends and family.”
At just a month into Fall, some Wisconsinites already shoveled snow, many are past the first frost,
At just a month into Fall, some Wisconsinites already shoveled snow, many are past the first frost,
At just a month into Fall, some Wisconsinites already shoveled snow, many are past the first frost,
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