Utilizing a Public Adjuster has been studied and proven to be smart and effective for the insured. 

At Allen Claims, we have worked for the insurance companies for years; now we work for you, the insured. Our clients hire us to be their advoacte for several reasons.  

Here are just a few:

1) A Guarantee - We do not charge our full PA fee unless we increase your claim by AT LEAST 25% or more.  After all we understand that this process is about you the insured, and us helping you make things right.  The process is not about us.  We are your advocate.

2) A massive increase in payout of 1,100% on average than the insured handling the claim themselves.  Thats right - we know what we are doing and that average provided is actual...

3)They know better than to handle their claim. This is typical of commercial clients who know their claim is expansive and will not be adjusted correctly without the aid of Allen Claims Public Adjusters.

4) As the policyholder you are stressed out from the ongoing "Deny, Delay, Defend"  attitude - it is like they do not care!  Eventually you come to the knowing that progress of resolving your claim is unlikely without us representing you and your claim.

You are a professional in your field.

We are professionals and experts in claims. 

As much as I wish the following were not true, sadly it is. Many insurance companies' claims departments and their adjusters follow this rule of thumb made public years ago from a lawsuit against a large insurance carrier:

D3 = Delay. Deny. Defend.

-Delay the claim to frustrate the policyholder so they eventually give up pursuing the claim.

-Deny coverage of the claim and insureds covered damages, frustrating the insured further.

-Defend denials until the insured eventually gives up pursuing the claim.

For all these reasons and more, is why you should hire Allen Claims as your expert public insurance adjuster. 

Contact us today to learn more.

Allen Claims Public Insurance Adjusters are claims advocates that represent commercial & residential property owners - we do not represent the insurance companies. PA's are skilled professionals who know how to investigate the scope of an insurance claim, document and estimate your loss, and then negotiate a fair claim settlement with the insurance company. PA's are typically licensed by the state. Think of your PA as the counterpart to an insurance company’s adjuster.

Insurance companies have their own Independent Adjusters (IA's) and staff adjusters they use to inspect and settle the loss for as little as possible. This is true and just absurd all too often.  

Property owners and policyholders hire public adjusters. PA's work to document the damages and the rightful amount you the insured, is owed from the insurance company.

There are all sorts of qualities that matter in this profession. Here are a few things to look for next time you need a public insurance adjuster:

• Experience: Advocacy is a skill that requires experience in the field, preferably having worked for insurance carriers before becoming a Public Adjuster. Experience reading and understanding insurance policies, and extensive knowledge of building and the trades that perform the work, is extremely helpful.
• Advocacy: Is our PA aggressive about settling your claim? Are they persuasive? A public adjuster is an advocate. The more knowledgeable and persuasive the person, the better the advocate, and that is the Public Adjuster you need. That is ACI.
• Even simple claims are more complex than most people realize. Claim settlement involves all kinds of details from documentation and paperwork to items to value and estimate.

"Duties After Loss" is a provision in property, casualty, and automobile policies that sets forth the responsibilities of the insured when they suffer damages and a claim is filed. Insurance policies are designed to be intimidating and fraught with traps to keep the insurer from paying what is owed. Duties After Loss are REQUIRED of the Insured in order to abide by the policy provisions. Duties After Loss will read something like the following:

In case of a loss to covered property, please follow the Duties After Loss below:

1. Give prompt notice to the insurance carrier's claim or insurance agent.
2. Notify the police in case of loss by theft or other criminal activity.
3. Protect the property from further damage. If repairs to the property are required, you must: a) Make reasonable and necessary mitigation or repairs to protect the property from further damage, and b) Keep an accurate record of any and all repair expenses.
4. Cooperate with the insurance company in their investigation of the claim including providing records, documents, and the submission of a Sworn Proof of Loss.
5. Prepare a detailed list of damaged personal property showing: quantity, description, age of the item, the value of each item; the total amount of loss. Provide bills, receipts, and related documents that justify the figures of the loss to personal property.

Allow the insurance carrier access to inspect the damages to the property and show the damaged personal property if able to reasonably do so.

1. Provide records and documents as requested and permit the insurer to make copies.
2. Submit to an examination under oath, while not in the presence of another "insured", and sign the same.
3. Submit a signed, sworn proof of loss which sets forth, to the best of your knowledge and belief the specifics of the damages and loss sustained.
4. Provide receipts for any and all Additional Living Expenses (ALE) you incur and provide records that support fair rental value.

Whew! Sounds like a daunting, right? 

Duties After Loss are important, and required. Remember, the policy provides promises what they the insurer will do in case of a loss, but those policy provisions also detail that they do not have to do so unless you do what you promised to do such as, pay your premiums, provide notice of loss and handle your duties after a loss. 

With Allen Claims, your public insurance adjuster and advocate, we will help guide you through the process; help you coordinate and help keep you in compliance with your policy and your Duties After Loss policy provisions.

Yes. We specialize in commercial and industrial claims for hotels, storage unit complexes, industrial buildings, churches, apartment complexes, and more. We have handled commercial losses for over 15 years and have an extensive background in commercial construction as well. We maintain contacts for commercial construction and experts we can call upon to help make your claim a success. 

Commercial and Industrial claims is our specialty.

This is always a question. 

The answer is, we have no way of predicting the timeline of resolution. It could take a month, or a year or more, depending on how badly the insurance carrier wants to fight against doing the right thing and paying what they owe you. Most claim losses, when settled amicably with the help of a public insurance adjuster, close within one to nine months.

Regardless, we will continue to fight for your claims rights as your claim advocate.

Yes, we handle residential claims all the time across the nation.
Make sure to follow your Duties After Loss (a provision in your policy) and protect your property from further damages as best you are able. Take photos of anything you do!  

You must do your part to abide by the “rules” of the policy provision, which allows you full indemnity. To learn more about what you can do after damage to your home, give us a call.  As the public insurance adjuster, we are happy to answer any of your questions.

Absolutely. Ideally right after the damages occur, we recommend that you photograph and record EVERYTHING. Do not just take up-close images! Be sure to include overviews as well. When taking photos, ask yourself, “Does this photo tell the story of the damage?" If you are wondering whether your evidence is adequate, contact us for a consultation. 

This can be policy-specific as well as mandated by the state, but ideally, you want to report your loss right away - as soon as discovered. We understand that you may not readily notice the damage, such as in the case often of hail damage to your roof, for example. When you hire ACI, we will document the damages for you; present the documentation to your insurance company on your behalf; explain timelines between the date of loss and the first notice of loss. Working with an Allen Claims public insurance adjuster means having experts on your side who know how to communicate your specific circumstances.

It is impossible for us to answer this as the human dynamic is just that: dynamic. Speaking from when we worked on the insurance claims side, the script we were fed was that the insurance company was right, and the PA's & contractors were just wrong. I can promise you that culture and mentality are the furthest things from the actual truth; but trust that it exists. 

Insurance carriers keep sales and claims personnel separate for several reasons, but often they both seem to think along the lines that you should take whatever paltry sum your insurance company offers.

From a human standpoint, we think it would be pretty messed up and revealing if your agent were upset with you for seeking justice. If you are being treated unfairly, would not the right thing be for others to want to see you cared for and treated fairly? If your agent becomes upset over you seeking proper indemnity, then maybe you have the wrong person as your insurance agent.

If you are feeling uncertain about the dynamics of turning to a public insurance adjuster, we would be happy to talk more about it. We understand that these are likely uncharted waters for you, and we appreciate and understand your concerns.