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Claim Support :: Public Adjuster :: Adjuster

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BROWN - O'HAVER, LOSS CLAIMS REPRESENTATIVES, PUBLIC ADJUSTERS

We are public adjusters who specialize in the adjustment of claims or claim support on behalf of the insured.

WHAT WE CAN DO WITH INPUT FROM AN INSURED

PROVIDE EXPERT CLAIM PREPARATION

Prepare detailed inventories.
Determine the actual cash value of the loss.
Secure vital statements.
Acquire necessary reports.
Secure expert testimony.
Provide gathering of evidence.

DESIGN DETAILED LOSS SUMMATIONS

Provide knowledge to analyze loss.
Initiate presentations.
Determine the actual cash value.
Arrange meaningful negotiations.
Provide accurate replacement costs.
Recover fast and fair settlements.

MAKE SURE ALL POLICY STIPULATIONS ARE FAITHFULLY OBSERVED

Initiate filing of necessary forms.
Measure and document the insured's loss.
Assist the insured in complying with the terms of the policy.

WE OFFER CLAIM SUPPORT & ASSIST THE INSURED IN MEETING THE REQUIREMENTS OF THE INSURER

The (165 Line) Standard Policy provides that upon the occurrence of a loss, the insured owes a duty to the insurer to provide the following information:
Lines 90-91: Insured shall give immediate written notice to the Company of any loss.
Lines 91-92: Protect the property from further damage.
Lines 91-93: Forthwith separate the damaged and undamaged personal property.
Lines 93-94: Put the property in the best possible order.
Lines 97-113: Within sixty days after the loss, unless such time is extended in writing by the Company, the insured shall render to the Company a Proof of Loss, signed and sworn to by the insured, setting forth (various points).
Lines 113-115: The insured, as often as may be reasonably required, shall exhibit to any person designated by the Company, all that remains of any property herein described.
Lines 116-117: Submit to examinations under oath.
Lines 118-122: Produce bills and invoices for examination.

These requirements of the policy are valuable safeguards to the insurer, since it enables it to arrive at a determination as to whether the loss or claim is one covered under the policy and the true measure of what the loss actually is. As a public adjuster, we are responsible for making you understand the requirements of the policy for recovering your loss & offer claim support in every way.

We help insureds comply with the terms of their policy!

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