Whether the loss is a result of a fire or the water damage created by extinguishing the blaze, a result of a storm, flood or any multitude of other causes of loss, we handle all types of claims.
ALPHA Adjusting® offers Public Adjusting services to assess and negotiate losses that may include Builder's Risk, Structural Building, Business Personal Property, Inventories, Furniture, Fixtures, Equipment, Personal Property, Business Interruption, and Loss of Income. We can also provide Appraisal & Umpire services, Expert Testimony, and Consulting Services.
We are licensed to serve in seven states: Illinois, Inidana, Wisconsin, Iowa, Michigan, Ohio, and Florida.
Public Adjusting
The National Association of Public Insurance Adjusters defines Public Adjusters (PA) as professionals who are employed by a property owner who has sustained an insured loss. They handle “every detail of the claim, working closely with the Insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the Insured’s coverage, determines current replacement costs and exclusively serves the client, not the insurance company.” — napia.com
Appraisal & Umpire
If the insurance company and the policy holder cannot agree to the value of loss our staff is qualified to act as an Appraiser or an Umpire in your settlement.
When the Insured and the insurance company cannot come to an agreement on value of a loss, either party may demand appraisal. Each party shall appoint their own Appraiser. An experienced appraiser is critical in helping the insured and carrier come to an agreed settlement.
In the event the two appraisers cannot reach an agreement, they shall submit their disagreements to the Umpire. An Umpire is a competent, objective, impartial individual who is charged with reaching an agreement regarding the value of property or the amount of a property loss. Any two of the three parties that agree will set the value of loss.
While the majority of claims are settled without appraisal, it is important to have an experienced, qualified person to act on your behalf. ALPHA Adjusting® public adjusters can provide the expertise you need should you find yourself in an appraisal situation.
Expert Testimony
Due to our esteemed reputation throughout our service area, we have been called upon to provide Expert Testimony on cases that have entered into litigation. We have provided expert testimony on various types of property insurance claims.
Consulting
Attorneys, accountants, property managers, bankers, and real estate professionals have called upon ALPHA Adjusting® to share their expertise. We are always available to Consult with an Insured on how to navigate their property claims.
Alpha Adjusting's scope of services may include:
Recommendations based on your business to assist you in maintaining your customers during the adjustment and restoration period.
We can recommend actions which will protect the property from further loss as well as comply with the Insureds responsibilities under the policy.
Create a detailed presentation of damage and value to the Insurance company.
Deal directly with the insurance company so you don't have to. You can run your business or take care of your family's needs while we handle the necessary details required by the insurance company.
Supervise the separation of damaged from undamaged property.
Exercise an extensive understanding of the restoration process. Our staff is unsurpassed in evaluating what work and materials your project will require, what it will cost, and in advising you on how to work with contractors under current market conditions.
Consult with you and your contractor to recover withheld depreciation with your insurance company.
Assist with documentation between you and your mortgage lender.
How we do it
We use unit in place estimating widely used in the insurance industry to document your loss.
We give your claim unparalleled time and thoughtful analysis.
We bring experience in business, real estate, rental property management, and property restoration to understanding your needs.
We know what to look for, what questions to ask, andwhen called-for, will bring in allied professionals to contribute their expertise.
