If you’ve recently filed a claim with your insurance company following a disaster, theft, or property damage, it’s possible to recover more than you’re expecting thanks to property depreciation. Many home insurance policies include a depreciation recovery clause, but without the proper information or filing experience, it can be difficult to receive the full amount … Read more
After dealing with property damage or stolen items, the last thing you want to deal with is an underpayment from insurance providers. The insurance companies are in the business of undercutting their customers and hope to profit from customers that simply accept the financial loss. Instead of becoming a victim to predatory insurance practices, partnering … Read more
The insurance company will do everything in its power to deny your claim. They profit when your claim is rejected or partially paid, and have designed their small print to make it increasingly difficult to successfully receive the funds you’re entitled to after property damage or theft. After a claim denial or settlement, many people … Read more
After submitting an insurance claim for damaged property, you may be surprised to find that you haven’t received the entire value of your property replacement! This is where recoverable depreciation becomes an important factor when trying to figure out exactly how much you’re owed for property damage. To put it simply, recoverable depreciation is the … Read more
Public adjusters are paid on a contingency fee basis. This means that they do not charge any money up front, and they only get paid if and when a settlement check is received from the insurance company. If the claim is denied and the insurance company doesn’t issue a payment, the policyholder does not owe … Read more
An independent claims adjuster is either self-employed, or works for an independent claims adjusting company. Independent adjusters do not work directly for any insurance company in particular, but they are hired by insurance companies to negotiate and adjust claims on their behalf. Independent adjusters are advocates for the insurance company, not for the insured. A … Read more
A public adjuster is licensed by the state insurance department to be an advocate for the policyholder. All homeowners and business owners, if they so choose, may retain the services of a public adjuster to negotiate with their insurance company on their behalf. The public adjuster will evaluate the damage to the home or business … Read more
Contact PB Adjusting today to schedule a consultation with our team of experts. Whether you're a homeowner or business owner, we're here to provide the support and guidance you need to navigate the claims process with confidence. Let us be your trusted advocates in times of need.
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