• Prepare detailed inventories • Determine the actual cash value of the loss • Secure vital statements • Acquire necessary reports • Secure expert testimony • Provide gathering of evidence		BROWN - O'HAVER, LOSS CLAIMS REPRESENTATIVES, PUBLIC ADJUSTERS We specialize in the adjustment of claims on behalf of the insured.
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

REQUIRED THINGS TO DO IN CASE OF LOSS...
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 is one covered under the policy and to the true measure of what the loss actually is).