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When disaster strikes your home or business, your first instinct may be to call your insurance company. However, the insured may not describe their property damages to the insurance company properly. This can lead to a reduced payment to cover their losses or even denial. In addition to these issues, although the insurance company will provide an adjuster to help resolve the claim, these adjusters are acting in the insurance company’s interests, not necessarily yours. Therefore, managing a claim can become tedious turning into a full time job which can easily interfere with everyday life and business.
“A recent client of ours had a fire in her rental home which damaged and destroyed her personal belongings. The client was forced to stay in a hotel for two months while she attempted to handle the claim process on her own. When the insurance company sent her a check for only $2,400, she called me for help,” said Howard Tkatch, Lead Public Adjuster of AyzerTech Public Adjusters. “Once I stepped in, I reopened the claim with her insurance company. I meticulously read through her policy, calculated hotel and living costs, inventoried contents, arranged for a licensed mitigation company to clean any recoverable items and got her a recovery totaling $33,000.”
As a home or business owner you have the right to hire a public adjuster, licensed by the state, to represent your claim. Public adjusters understand the complicated clauses in insurance policies and the related laws. They are experts in the proper procedures for handling claims as well as what the insurance companies are obligated to pay. A public adjuster will represent you.
AyzerTech Public Adjusters are licensed in multiple states, including New York and New Jersey, and have been successful in negotiating residential and commercial claims of all types. They help people deal with the complex and time consuming details of the claim. When it comes time to negotiate with the insurance company they go to bat for you and can make sure you collect everything you are entitled to. The insurance company is focused on their bottom line, AyzerTech is focused on yours.
AyzerTech is paid a small percentage of the claim once it is collected which is generally more than made up for by the significant increase in recovery. If there is no collection, there is no fee. If you have had any property damage, such as fire, water or smoke, call them for a no-obligation, no-risk consultation.
Note: To all those effected by the recent floods and sewage backup in the Flatbush area, it is your right as an insured home or business owner to hire a public adjuster to fight for you. A public adjuster will ensure that you have a mitigation crew to treat your property according to the IICRC guidelines. This will protect your property from future mold and mildew issues. In addition, based on your insurance policy, your public adjuster will facilitate the salvaging or reimbursement of your contents, additional living expenses that may have occurred such as eating out or hotel stays, rebuilding costs, asbestos removal (if tested for and found) and even checking of mezuzot due to the humidity levels.
“Allowing the insurance company’s adjuster to make all the decisions regarding your claim is the same as going to court and letting the other side’s attorney represent you,” Says Tkatch. “Just like you wouldn’t go to court without a lawyer, you shouldn’t file an insurance claim without a public adjuster. AyzerTech has helped some property owners recover over ten times their insurance company’s initial offer.”
Call AyzerTech Public Adjusters (855) CLAIM-55, (855) 252-4655 or visit them online at www.ayzertech.com.
Other Success Stories:
A fire sprinkler burst flooding a client’s warehouse and office space. Initially the insurance company looked for ways to deny it and then eventually offered $36,000. AyzerTech Public Adjusters ultimately recovered close to $400,000.
An apartment complex had a small fire in one unit. The property owner estimated the damage at $50,000. AyzerTech Public Adjusters negotiated a $175,000 settlement.
A commercial property had a sprinkler leak causing mold issues. The insurance company was leaning towards denying the claim completely. Projected costs to clean up the site were around $90,000. AyzerTech Public Adjusters succeeded in getting the claim approved and recovering over $1,000,000.