The Public Adjusting Questions and Answers

1. What is a Public Adjuster, and how do they differ from an insurance company adjuster?

A Public Adjuster (PA) is a licensed professional who works exclusively for policyholders to ensure they receive a fair settlement for their property damage claims. Unlike insurance company adjusters, who represent the insurance company's interests, a public adjuster advocates for the policyholder by assessing damage, preparing detailed estimates, and negotiating the best possible settlement. 

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2. When should I hire a Public Adjuster?

You should consider hiring a public adjuster when:

• The damage is significant or complex (e.g., commercial buildings, large residential losses, structural damage).
• You disagree with the insurance company’s assessment of your claim.
• Your claim has been denied or underpaid.
• You lack the time, experience, or expertise to navigate the insurance claims process effectively.
• You need an advocate to ensure you receive a proper settlement under your policy terms. 

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3. How does a Public Adjuster get paid?

Public adjusters typically work on a contingency fee basis, meaning they get paid a percentage of the final settlement. This means there are no upfront costs, and they only get paid if you receive a settlement. 

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4. Will hiring a Public Adjuster delay my claim?

No, in fact, hiring a public adjuster can often expedite the process by ensuring all required documents, estimates, and justifications are properly prepared. Since insurance companies sometimes delay claims due to incomplete or unclear submissions, having a PA involved can streamline communication and prevent unnecessary back-and-forth. 

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5. Can a Public Adjuster help if my claim has already been denied or underpaid? 

Yes! A public adjuster can review your claim, identify any errors or missing documentation, and negotiate with the insurance company to seek a revised settlement. If necessary, they can also pursue alternative dispute resolution options like appraisal or mediation. 

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6. What types of claims do On Point Claims Public Adjusters handle? 

Public adjusters handle a wide range of property damage claims, including:

- Fire & Smoke Damage
- Water & Flood Damage
- Hurricane, Wind, and Hail Damage
- Roof Damage & Structural Failures
- Mold & Hazardous Material Claims
- Business Interruption Losses

At On Point Claims, we specialize in complex commercial and residential claims that require experienced advocacy. 

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X7. What happens if the insurance company’s adjuster and my Public Adjuster disagree? 

If there is a dispute between the insurance company and the public adjuster:

We negotiate using detailed evidence and documentation.
If needed, we invoke the appraisal clause in your policy, where independent appraisers determine the loss amount.
We may also involve engineers, building consultants, or legal experts to support your claim. 

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8. How do I get started with a Public Adjuster? 

Getting started is easy! Simply contact On Point Claims for a free consultation. We’ll review your insurance policy, inspect your damage, and provide a clear strategy for handling your claim. We only take cases where we can dedicate our full attention to ensuring a fair outcome.

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The Public Adjusting Process: A Step-by-Step Guide

At On Point Claims, we follow a thorough and strategic approach to ensure that our clients receive a fair and well-supported insurance claim settlement. Below is a detailed breakdown of the public adjusting process, highlighting the extensive work involved in managing building claims.

1. Initial Consultation & Policy Review

Before we take on a claim, we conduct an in-depth consultation to understand the details of the loss. Our team reviews the insurance policy to assess coverage, limitations, and exclusions. This step ensures that we set realistic expectations for the claim process.

• Evaluate the damage or loss
• Review policy details (coverage, exclusions, endorsements)
• Discuss claim strategy with the client
• Explain the adjusting process and expected timeline     

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2. Site Inspection & Damage Assessment

A meticulous site inspection is conducted by our team, including experienced estimators and adjusters, to document the extent of the damage accurately.

• Thorough on-site inspection (interior, exterior, and structural assessment)
• Utilization of advanced tools (thermal imaging, moisture meters, drones, etc.)
• Detailed photo and video documentation
• Engagement of specialized experts if needed (engineers, roofing consultants, or hazmat specialists) 

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3. Estimating & Preparing the Claim

Our team prepares a comprehensive claim package using Xactimate, the industry-standard estimating software, to justify the scope of work needed to restore the property.

• Prepare a detailed, itemized estimate (labor, materials, code compliance)
• Identify hidden damages that may not be obvious
• Consideration of local building codes and requirements
• Compile supporting documents, including reports, invoices, and expert opinions 

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4. Filing the Claim & Initial Submission

Once the claim is fully developed, we submit the necessary documentation to the insurance company to initiate the review process.

• Submit the claim with supporting documentation
• Ensure all required paperwork is complete to avoid delays
• Maintain ongoing communication with the insurance carrier 

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5. Adjuster Meetings & Negotiations

The insurance company will assign an adjuster to assess the loss. Our role is to represent the client during this process to ensure a fair evaluation.

• Meet with the insurance adjuster on-site
• Justify the scope of work and cost estimates
• Counter any undervaluation or denied items
• Negotiate in the best interest of the policyholder
• Ensure the insurance adjuster’s report aligns with actual damages 

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6. Responding to Carrier Requests & Supplementary Filings

Insurance companies often request additional information or try to limit the claim amount. We proactively respond to any pushback.

• Address any disputes over scope or cost
• Provide additional documentation if requested
• Challenge unjustified denials or underpayments
• File supplements for overlooked or additional damages 

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x7. Appraisal & Dispute Resolution (If Needed)

If the insurance company disputes our findings, we explore resolution options, including the appraisal process.

• Invoke the appraisal clause (if applicable)
• Work with independent appraisers and umpires
• Engage legal counsel if necessary
• Push for a fair and final settlement

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8. Final Settlement & Payment Processing

Once a fair settlement is reached, we ensure the client receives their funds promptly.

• Review the settlement offer for accuracy
• Confirm all payments are issued correctly
• Assist the client in the restoration and rebuilding process if needed
• xxxhelping to recover deprecationxxx

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9. Post-Claim Support & Future Risk Management

Beyond claim resolution, we provide guidance on risk management to prevent future losses.

• Recommendations for property improvements
• Guidance on policy adjustments for better coverage
• Assistance with any follow-up claim issues

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Why On Point Claims?

Our meticulous approach ensures that every claim is handled with precision, expertise, and dedication. We focus on complex commercial and high-value property claims, ensuring that our clients receive the full support needed to navigate the claims process effectively.

If you have experienced property damage and need expert public adjusting services, On Point Claims is ready to guide you through every step. Contact us today for a consultation!

 

Building Claims Consulting - Questions and Answers

1. What is Building Claims Consulting, and how is it different from Public Adjusting?

Building Claims Consulting focuses on providing expert guidance and strategic support throughout the insurance claims process, especially for complex or disputed claims. Unlike a Public Adjuster, who directly negotiates with the insurance company on behalf of the policyholder, a Building Claims Consultant provides detailed damage assessments, estimates, claim strategy, and expert support to help clients navigate the process. This service is beneficial for property owners, contractors, attorneys, and businesses that need technical expertise and claim justification but may not require direct representation. 

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2. When should I hire a Building Claims Consultant?

You should consider hiring a Building Claims Consultant when:

✔ You have a complex or high-value property damage claim that requires detailed expertise.
✔ The insurance company has provided a lowball settlement or denied part of your claim.
✔ You need an independent damage assessment to compare against the insurer’s estimate.
✔ Your claim involves technical or engineering issues, requiring specialized reports.
✔ You need assistance with documentation, justification, or expert testimony for legal proceedings. 

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3. How does a Building Claims Consultant help with disputed insurance claims?

We analyze the insurance company’s damage assessment and estimate, identify discrepancies, and provide technical justifications for a fair settlement. This includes:

✔ Reviewing the insurance adjuster’s estimate for missing or undervalued damages.
✔ Creating a detailed, itemized damage assessment using industry-standard software.
✔ Providing engineering reports, forensic evaluations, and expert opinions.
✔ Assisting with appraisal, mediation, or litigation support if needed. 

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4. Do you only work with property owners, or can contractors and attorneys use your services?

We work with a wide range of clients, including:

✔ Property Owners & Property Managers – To ensure fair insurance settlements.
✔ Contractors & Restoration Companies – To assist with estimating and claim justification.
✔ Attorneys & Legal Professionals – To provide expert testimony and claim support.
✔ HOA & Commercial Property Groups – To manage large-scale claims efficiently. 

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5. How do I get started with Building Claims Consulting?

Getting started is simple! Contact On Point Claims for a free consultation. We’ll review your case, assess your needs, and create a custom strategy to support your claim. 

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6. Why Choose On Point Claims for Building Claims Consulting?

✔ Decades of experience in insurance restoration and claims management
✔ Highly trained team of estimators, engineers, and public adjusters
✔ Expertise in complex commercial, industrial, and residential claims
✔ Proven track record of securing fair settlements for clients

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Building Claims Consulting Process: A Step-by-Step Guide

At On Point Claims, our Building Claims Consulting service is designed to provide property owners, contractors, attorneys, and businesses with expert guidance in navigating complex insurance claims. Our goal is to accurately assess damage, develop a strong claim strategy, and ensure compliance with insurance and construction standards. Below is a detailed breakdown of our consulting process, showcasing the expertise and effort involved.

1. Initial Consultation & Policy Review

Before we begin, we conduct a thorough consultation to understand the details of the loss and determine the best course of action. We review the insurance policy and any relevant documentation to assess coverage scope, exclusions, and limitations.

✔ Understand the nature of the claim (fire, storm, water, structural failure, etc.)
✔ Review the insurance policy for coverage details
✔ Assess previous communications with the insurance company
✔ Discuss claim strategy based on the loss complexity 

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2. Comprehensive Damage Assessment & Site Inspection

We perform a detailed inspection to assess all visible and hidden damages. Our team includes estimators, construction experts, and engineers who ensure no damage is overlooked.

✔ On-site inspection of interior, exterior, and structural components
✔ Use of advanced tools (thermal imaging, moisture meters, drones, infrared cameras)
✔ Documentation of damages (photos, videos, engineering reports)
✔ Identify potential hidden issues, such as water intrusion, mold, or foundation concerns 

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3. Estimating and Scope of Work Development

We create a highly detailed scope of work and cost estimate using Xactimate, the industry-leading estimating software. Our estimates reflect the true cost of repair and reconstruction, considering materials, labor, code upgrades, and insurance requirements.

✔ Develop a precise, itemized estimate
✔ Ensure compliance with local building codes and insurance policies
✔ Identify necessary upgrades for code compliance (e.g., ADA, fire safety)
✔ Prepare documentation to justify claim costs 

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4. Analysis of Insurance Company Estimates & Discrepancy Reports

Insurance companies may provide low or incomplete estimates. We compare their findings with our assessment and highlight any discrepancies.

✔ Review the insurance company’s estimate for accuracy
✔ Identify missing or undervalued damages
✔ Prepare detailed reports to challenge inaccurate valuations
✔ Provide supporting documents, expert opinions, and cost breakdowns 

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5. Strategic Claim Documentation & Justification 

A well-documented claim has a higher chance of approval. We compile a comprehensive claim package with clear justifications to support every aspect of the damage claim.

✔ Create a complete claim submission package
✔ Include all necessary forms, estimates, and reports
✔ Provide evidence-backed explanations for disputed items
✔ Ensure compliance with policy terms and insurance regulations 

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6. Negotiation & Dispute Resolution Assistance

If the insurance company disputes the claim, we provide professional negotiation support to secure a fair outcome.

✔ Communicate with the insurance adjuster and carrier on behalf of our client
✔ Justify repair costs and scope using technical expertise
✔ Engage third-party experts, engineers, or forensic specialists if necessary
✔ Assist in dispute resolution through mediation, appraisal, or legal consultation

 

Building Restoration Consulting Process - Questions and Answers

1. Who hires a Building Restoration Consultant, and what is their role?

Our Building Restoration Consulting services are utilized by contractors, restoration companies, and property owners who need expert oversight in handling restoration projects. We assist with:

✔ Developing accurate restoration plans
✔ Ensuring compliance with building codes and safety regulations
✔ Coordinating contractors and managing project documentation
✔ Providing expert analysis of structural and material requirements

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2. What types of restoration projects require consulting services?

We provide consulting for various commercial, industrial, and residential restoration projects, including:

✔ Fire and smoke damage restoration
✔ Water damage mitigation and structural drying
✔ Mold remediation and hazardous material cleanup
✔ Storm, wind, and flood damage repairs
✔ Structural stabilization and rebuilds after major losses

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3. How does a Building Restoration Consultant help contractors manage projects?

We assist contractors and restoration professionals by:

✔ Providing expert guidance on best practices for repairs and materials
✔ Helping ensure compliance with local and national building codes
✔ Reviewing project plans for efficiency and cost-effectiveness
✔ Monitoring progress to ensure timely completion and quality assurance

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4. How do you ensure that restoration projects meet local building codes?

We ensure compliance by:

✔ Identifying necessary permits and assisting in obtaining approvals
✔ Ensuring all restoration work follows the latest building codes
✔ Advising on safety regulations, ADA requirements, and energy efficiency upgrades
✔ Coordinating with inspectors to confirm proper implementation

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5. What challenges do property owners and contractors face during restoration, and how can a consultant help?

Restoration projects can be complex due to:

✔ Unexpected structural issues that require specialized solutions
✔ Coordination challenges between multiple contractors and vendors
✔ Delays due to material shortages or permitting requirements
✔ Code violations or outdated structures needing compliance upgrades
✔ Risk of poor workmanship affecting long-term building integrity

Our role as consultants is to identify and address these challenges early, ensuring a smooth restoration process.

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6. Do you assist in selecting contractors or reviewing their work?

Yes, we can:

✔ Provide recommendations for experienced and licensed restoration professionals
✔ Review contractor bids and contracts for fairness and accuracy
✔ Monitor ongoing work for adherence to the approved scope and industry standards
✔ Conduct final inspections to ensure all work meets required specifications

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7. How do you handle unforeseen damages discovered during restoration?

If additional damages are found once work begins, we:

✔ Reassess the project scope to include the newly identified issues
✔ Ensure that appropriate restoration methods are used to address hidden damages
✔ Adjust restoration plans to minimize delays while maintaining compliance
✔ Coordinate with necessary specialists (engineers, environmental experts, etc.)

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8. What are the benefits of hiring a Building Restoration Consultant instead of managing the project alone?

✔ Ensures that restoration is done correctly, efficiently, and in compliance with regulations
✔ Reduces delays by addressing problems proactively
✔ Provides technical expertise that contractors or property owners may lack
✔ Improves project organization and quality control
✔ Helps prevent costly mistakes or rework due to oversight

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9. How do I get started with Building Restoration Consulting?

Simply contact On Point Claims to discuss your restoration project. We’ll assess your needs, provide expert guidance, and ensure your project runs smoothly from start to finish.

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Building Restoration Consulting Process: A Step-by-Step Guide

At On Point Claims, our Building Restoration Consulting services provide expert guidance for contractors, restoration professionals, and property owners throughout the restoration process. We focus on ensuring that restoration projects are properly assessed, planned, and executed in compliance with industry standards, building codes, and insurance requirements. Below is a detailed breakdown of our process.

1. Initial Consultation & Project Assessment

Before any work begins, we conduct a comprehensive consultation to assess the scope of the restoration project and the specific needs of our clients.

✔ Evaluate the type of damage (fire, water, mold, storm, structural failure, etc.)
✔ Review project requirements, timelines, and budget considerations
✔ Assess any prior repairs or mitigation efforts
✔ Determine compliance needs for industry regulations and building codes

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2. On-Site Inspection & Damage Documentation

A thorough site inspection is performed to document the extent of the damage and provide an accurate foundation for the restoration plan.

✔ Detailed inspection of structural integrity and affected areas
✔ Utilization of advanced assessment tools (thermal imaging, moisture detection, drones)
✔ Identification of hidden damages that may affect the restoration process
✔ Photo and video documentation to support scope development and compliance

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3. Developing the Restoration Scope of Work

We create a precise, itemized scope of work that outlines all required restoration steps, ensuring clarity for contractors, restorers, and property owners.

✔ Define restoration phases (demolition, mitigation, rebuilding, finishing)
✔ Ensure compliance with local building codes and safety regulations
✔ Account for materials, labor, and necessary code upgrades
✔ Incorporate best practices for long-term structural integrity and quality

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4. Coordination with Contractors & Restorers

We assist in coordinating with restoration professionals to ensure the project is executed efficiently and according to the approved scope of work.

✔ Collaborate with general contractors, specialty trades, and suppliers
✔ Review contractor estimates and bids for accuracy and fair pricing
✔ Establish clear communication between all project stakeholders
✔ Monitor progress to prevent delays, cost overruns, or substandard work

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5. Compliance with Building Codes & Permitting

Building restoration projects must adhere to state and local codes, permitting requirements, and industry regulations. We ensure full compliance.

✔ Identify required permits and coordinate approvals
✔ Ensure adherence to updated building codes
✔ Address environmental concerns (asbestos, mold, lead-based paint)
✔ Coordinate inspections and approvals with local authorities

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6. Quality Control & Project Oversight

Throughout the restoration process, we provide ongoing oversight to maintain quality and adherence to the restoration plan.

✔ Conduct regular progress inspections to verify proper execution
✔ Address issues as they arise to avoid rework or delays
✔ Ensure materials and workmanship meet industry standards
✔ Provide documentation for compliance and future maintenance

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7. Final Inspection & Project Completion

Before the project is finalized, we conduct a comprehensive final inspection to ensure the restoration work meets all expectations.

✔ Verify all restoration work aligns with the approved scope
✔ Ensure compliance with structural and safety codes
✔ Confirm that all contractor obligations have been fulfilled
✔ Provide final project documentation to the client

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Appraisal & Umpire - Questions and Answers

1. What is the Appraisal Process in an Insurance Claim?

The appraisal process is a dispute resolution method used when the policyholder and the insurance company disagree on the value of damages. Each party selects an independent appraiser, and together, these appraisers choose a neutral umpire. If the appraisers cannot agree, the umpire makes a final, binding decision.

✔ Used when there’s a dispute over claim value, not coverage.
✔ Involves independent, unbiased evaluation of damage costs.
✔ Provides a faster alternative to litigation.

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2. When should I consider using an Appraisal?

You should consider the appraisal process when:

✔ The insurance company underestimates the cost of repairs or replacements.
✔ There is a significant gap between your estimate and the insurer’s offer.
✔ Negotiations with the insurance adjuster have stalled.
✔ You want to resolve the dispute without filing a lawsuit.

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3. What is the role of an Umpire in the Appraisal Process?

An umpire is a neutral third party selected to resolve disputes between two appraisers if they cannot agree on a loss valuation. The umpire’s decision is binding once at least one appraiser agrees with their determination.

✔ Acts as the final decision-maker when appraisers disagree.
✔ Ensures fairness and accuracy in the claim resolution.
✔ Selected by mutual agreement between the appraisers.

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4. How do I know if my insurance policy allows for an Appraisal?

Most insurance policies include an appraisal clause, which allows either the policyholder or the insurance company to invoke appraisal when there is a dispute over the claim amount. We can help review your policy to determine if this option is available.

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5. What is an Umpire in an Insurance Appraisal Process?

An umpire is a neutral third party brought in to resolve disputes between the two appraisers selected by the policyholder and the insurance company. If the appraisers cannot reach an agreement on the loss amount, the umpire reviews the evidence and makes a final, binding decision.

✔ Ensures a fair resolution when appraisers disagree.
✔ Acts as an impartial expert in claim valuation.
✔ Helps prevent the need for costly litigation.

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6. When is an Umpire Needed in an Appraisal?

An umpire is required when:

✔ The two appraisers cannot agree on the total loss amount.
✔ One party disputes certain aspects of the damage assessment.
✔ The policyholder or insurance company wants to ensure a fair, third-party decision.

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7. How is an Umpire Selected?

The two appraisers (one from each side) must mutually agree on a neutral umpire. If they cannot agree on an umpire, a court may appoint one. On Point Claims provides experienced umpire services to fairly assess and resolve disputes.

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8. How Does the Umpire Process Work?

✔ Both appraisers submit their findings to the umpire.
✔ The umpire reviews all documentation, damage assessments, and estimates.
✔ If the appraisers cannot reach an agreement, the umpire makes a final, binding decision.
✔ The decision is incorporated into the claim settlement, resolving the dispute.

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9. How can On Point Claims assist with the Appraisal and Umpire process?

We provide experienced and unbiased appraisal and umpire services to ensure that claim disputes are resolved fairly and professionally. Our role includes:

✔ Acting as an independent appraiser to fairly assess damages.
✔ Providing expert analysis and valuation based on industry standards.
✔ Serving as an impartial umpire when needed.
✔ Ensuring accurate loss calculations for a fair resolution.

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The Appraisal Process: A Step-by-Step Guide

At On Point Claims, our Appraisal Services help resolve disputes between property owners and insurance companies when there is a disagreement about the value of damages. The appraisal process is a structured and legally recognized method to ensure that claim disputes are resolved fairly, without the need for lengthy litigation. Below is a detailed breakdown of the steps involved in the appraisal process.

1. Determining the Need for Appraisal

The appraisal process is only applicable when the policyholder and the insurance company disagree on the value of the damages or cost of repairs, not on coverage issues. Before moving forward, we:

✔ Review the insurance policy to confirm the presence of an appraisal clause.
✔ Assess the claim dispute to determine whether an appraisal is the best resolution method.
✔ Discuss the process with the client, explaining how it works and what to expect.
✔ Advise on next steps, including selecting an independent appraiser.

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2. Invoking the Appraisal Clause

If the policy allows for an appraisal, either the policyholder or the insurance company can invoke the appraisal clause to formally begin the process.

✔ A written request is submitted to the insurance company invoking the appraisal.
✔ Each party selects an independent appraiser to represent their position.
✔ The two appraisers agree on a neutral umpire, who steps in if they cannot reach an agreement.

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3. Independent Damage Assessment

Once both appraisers are selected, they conduct an independent assessment of the damages.

✔ Review all available documentation (previous estimates, damage reports, policy details).
✔ Conduct a site inspection to assess the damages firsthand.
✔ Utilize industry-standard estimating tools (e.g., Xactimate) to determine fair repair costs.
✔ Identify discrepancies between the insurance company’s estimate and actual repair needs.

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4. Appraisers Negotiate to Reach an Agreement

The two appraisers work together to compare findings and negotiate a fair settlement amount.

✔ Each appraiser presents their valuation of the damages.
✔ Discussions focus on discrepancies in repair costs and scope of work.
✔ Efforts are made to reach a consensus on a final claim amount.

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5. Umpire Involvement (If Needed)

If the two appraisers cannot reach an agreement, they refer the dispute to the mutually agreed-upon umpire.

✔ The umpire reviews both appraisers’ findings and the supporting documentation.
✔ Additional inspections or expert opinions may be used to validate claims.
✔ The umpire makes a final, binding decision based on the evidence presented.
✔ At least one of the appraisers must agree with the umpire’s decision for it to be final.

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6. Final Settlement & Resolution

Once an agreement is reached—either between the two appraisers or through the umpire’s decision—the final amount is recorded, and the insurance company must honor the agreed-upon settlement.

✔ The final appraisal award is documented and submitted to both parties.
✔ The insurance company issues payment based on the appraisal decision.
✔ The claim is resolved, and the insured can move forward with repairs.

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Key Benefits of the Appraisal Process

✔ Faster resolution than litigation – No need for lengthy court battles.
✔ Neutral third-party involvement ensures fairness in claim valuation.
✔ Binding decision once the appraisal award is finalized.
✔ Cost-effective alternative to lawsuits or extended disputes.

Why Choose On Point Claims for Appraisal Services?

✔ Experienced appraisers specializing in complex building claims.
✔ Thorough and accurate damage assessments based on industry standards.
✔ Professional negotiation to ensure fair claim settlements.
✔ Umpire services available for dispute resolution.

Expert Testimony - Questions and Answers

1. What is Expert Testimony in an Insurance or Restoration Dispute?

Expert testimony is specialized, professional insight provided in legal or insurance-related disputes. Our experts offer detailed, factual, and technical analysis regarding property damage, restoration costs, construction defects, and insurance claim disputes. Their testimony helps attorneys, courts, and arbitrators understand complex technical details.

✔ Used in court cases, arbitrations, and insurance disputes.
✔ Provides professional insight into claim valuation, restoration costs, and structural damage.
✔ Helps clarify technical aspects for attorneys, judges, and insurance carriers.

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2. When is Expert Testimony Needed?

Expert testimony is often required when:

✔ A legal dispute arises over property damage, insurance claims, or restoration work.
✔ There is a disagreement on the cost of repairs or damage assessment.
✔ The case involves construction defects, improper repairs, or code violations.
✔ Attorneys need qualified professionals to support their case with factual evidence.

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3. What Types of Cases Do You Provide Expert Testimony For?

We provide expert testimony in cases related to:

✔ Insurance claim disputes (underpaid or denied claims).
✔ Construction and building damage (fire, water, mold, storm, structural issues).
✔ Code compliance and building standards violations.
✔ Disputes between contractors, property owners, and insurers.
✔ Appraisal and umpire disputes that escalate to litigation or arbitration.

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4. How Does On Point Claims Assist With Expert Testimony?

Our experts provide:

✔ Detailed reports and analysis to support legal cases.
✔ Clear and professional testimony in depositions, mediations, and court trials.
✔ Fact-based evaluations to clarify complex construction and insurance issues.
✔ Unbiased professional opinions backed by extensive industry experience.

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Expert Testimony Services: A Step-by-Step Guide

At On Point Claims, our Expert Testimony Services provide professional, unbiased, and well-documented insights to support legal disputes, insurance claim disagreements, and construction-related litigation. Whether assisting attorneys, property owners, contractors, or insurers, we ensure that technical aspects of claims, damage assessments, and restoration processes are clearly presented and supported by factual evidence.

Below is a detailed breakdown of our expert testimony process, demonstrating the extensive work involved in preparing and delivering expert opinions.

1. Initial Consultation & Case Review

Before taking on an expert witness role, we conduct a thorough consultation to understand the case details and determine how our expertise can support the client’s legal strategy.

✔ Review the nature of the dispute (insurance claim, construction defect, property damage, etc.)
✔ Analyze case documents (insurance policies, damage reports, contracts, claim correspondence)
✔ Discuss key issues with attorneys or stakeholders to clarify expert testimony needs
✔ Determine if our expertise aligns with the case requirements

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2. Comprehensive Evidence Review & Analysis

Once engaged, our team conducts an in-depth analysis of all relevant evidence to develop a well-supported expert opinion.

✔ Examine insurance claims, estimates, and prior assessments
✔ Review construction records, contractor agreements, and compliance reports
✔ Analyze property damage reports, engineering evaluations, and industry standards
✔ Identify discrepancies or technical errors in the opposing party’s findings

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3. Site Inspection & Damage Assessment (If Required)

For cases involving property damage, construction defects, or restoration disputes, we perform an on-site inspection to gather first-hand data.

✔ Inspect the property for visible and hidden damages
✔ Use industry-standard tools (thermal imaging, moisture meters, structural analysis)
✔ Document findings with high-resolution photos and videos
✔ Compare actual conditions to insurance estimates and repair scopes

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4. Preparation of Expert Reports & Supporting Documentation

Our findings are compiled into a detailed, professionally formatted report that clearly outlines our expert analysis and conclusions.

✔ Prepare a factual, objective expert report following legal standards
✔ Include all supporting evidence (photos, code references, industry standards)
✔ Provide technical justifications for damage assessments or disputed repair costs
✔ Ensure compliance with legal and industry requirements for admissibility

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5. Collaboration With Legal Teams & Pre-Trial Preparation

We work closely with attorneys and clients to ensure that our expert testimony aligns with the legal strategy of the case.

✔ Discuss legal arguments and key testimony points with attorneys
✔ Prepare responses to anticipated challenges from the opposing side
✔ Participate in strategy meetings, depositions, and pre-trial briefings
✔ Review opposing expert reports and identify weaknesses or inaccuracies

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6. Deposition & Testimony Preparation

Before trial or arbitration, we prepare for deposition or courtroom testimony to effectively present our expert opinions.

✔ Develop clear, concise explanations of technical findings for non-experts (judges, jurors, mediators)
✔ Practice responses to cross-examination questions to ensure consistency and credibility
✔ Rehearse with legal teams to align testimony with case arguments
✔ Ensure all exhibits and evidence are properly formatted for presentation

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7. Courtroom Testimony, Depositions, & Arbitration Support

As expert witnesses, we provide credible, unbiased, and fact-based testimony in legal proceedings, arbitration hearings, or mediations.

✔ Present findings confidently in depositions, hearings, or trials
✔ Explain complex technical issues in a clear and understandable manner
✔ Defend our expert opinions under cross-examination
✔ Support attorneys with real-time technical insights during hearings

8. Post-Testimony Support & Case Resolution Assistance

After testimony is provided, we continue to support our clients by assisting in case follow-ups, settlement discussions, or additional expert reports if required.

✔ Clarify testimony points for closing arguments or settlement negotiations
✔ Address additional questions from legal teams
✔ Provide follow-up reports if new evidence emerges
✔ Assist in post-case reviews and future litigation strategies

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Why Choose On Point Claims for Expert Testimony Services?

✔ Highly experienced experts in insurance claims, restoration, and construction
✔ Objective, fact-based analysis supported by industry standards
✔ Clear, professional testimony for litigation, arbitration, or mediation
✔ Proven track record of successful expert witness engagements

Personal Contents Evaluation - Questions and Answers

1. What is Personal Contents Evaluation?

Personal Contents Evaluation is the process of assessing, documenting, and valuing damaged or lost personal property after an incident such as fire, water damage, theft, or other disasters. We provide a detailed inventory and fair market valuation to ensure that all personal belongings are properly accounted for in an insurance claim.

✔ Identifies all damaged, lost, or affected personal items.
✔ Determines accurate replacement or actual cash value.
✔ Provides supporting documentation for insurance claims.

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2. When should I get a Personal Contents Evaluation?

You should seek a Personal Contents Evaluation when:

✔ You have lost or damaged personal belongings due to fire, water, theft, or other covered events.
✔ The insurance company has undervalued or disputed the value of your items.
✔ You need detailed documentation and pricing to support your insurance claim.
✔ You want to ensure you receive a fair and accurate settlement for your belongings.

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3. How does On Point Claims conduct a Personal Contents Evaluation?

Our team follows a structured and detailed approach to ensure accuracy and completeness:

✔ Conduct an on-site or remote evaluation of all affected contents.
✔ Create a comprehensive inventory list, including descriptions and conditions.
✔ Determine fair market or replacement value based on industry standards.
✔ Provide detailed reports and supporting evidence for insurance claims.

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4. What types of personal property can be evaluated?

We evaluate a wide range of personal contents, including:

✔ Furniture and household items (sofas, tables, beds, appliances).
✔ Electronics and technology (TVs, computers, home entertainment systems).
✔ Clothing and personal accessories (designer apparel, jewelry, shoes).
✔ Collectibles and specialty items (antiques, artwork, musical instruments).
✔ Business and office equipment (computers, printers, tools, inventory).

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5. How can Personal Contents Evaluation help with my insurance claim?

Our detailed inventory and valuation reports provide the necessary evidence to:

✔ Ensure all lost or damaged items are properly accounted for.
✔ Justify the replacement or actual cash value to the insurance company.
✔ Dispute any underpayment or claim denial with factual evidence.
✔ Support legal proceedings or settlements if disputes arise.

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6. Why Choose On Point Claims for Personal Contents Evaluation?

✔ Experienced team specializing in high-value and complex contents claims.
✔ Accurate, detailed inventory reports to maximize claim success.
✔ Independent and unbiased valuation based on industry standards.
✔ Strong negotiation support to ensure fair compensation.

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Personal Contents Evaluation Process: A Step-by-Step Guide

At On Point Claims, our Personal Contents Evaluation services ensure that all damaged, lost, or destroyed personal property is properly documented, valued, and included in an insurance claim. This process is essential for property owners, businesses, and insurance professionals seeking a fair and accurate valuation of personal belongings after a loss.

Below is a detailed breakdown of the Personal Contents Evaluation process, demonstrating the extensive effort involved in accurately assessing and valuing personal property.

1. Initial Consultation & Claim Review

Before beginning the evaluation, we conduct an in-depth consultation to understand the nature of the loss and review any available claim details.

✔ Review the cause of loss (fire, water damage, theft, storm, etc.).
✔ Discuss client concerns and claim goals (replacement value, disputed claim, etc.).
✔ Analyze the insurance policy to determine coverage for personal property.
✔ Gather any initial inventory lists, receipts, or supporting documents.

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2. On-Site or Remote Inspection of Personal Property

We conduct a thorough examination of all affected personal belongings to ensure nothing is overlooked in the claim. Depending on the situation, this can be done on-site (for visible damages) or through remote documentation (for stolen or destroyed items).

✔ Inspect and photograph all damaged, lost, or affected contents.
✔ Document condition, make, model, and estimated age of each item.
✔ Identify salvageable vs. total loss items.
✔ Use forensic techniques, if necessary, to assess partially damaged items.

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3. Creating a Detailed Inventory List

We compile a comprehensive inventory of all damaged or lost personal property to ensure everything is accounted for in the claim.

✔ List each item individually with descriptions, condition, and estimated value.
✔ Categorize items by type (furniture, electronics, clothing, collectibles, etc.).
✔ Include serial numbers, brand names, and purchase details when available.
✔ Cross-reference pre-loss records (receipts, appraisals, warranty info).

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4. Determining Fair Market & Replacement Value

Using industry standards and professional valuation techniques, we assess the fair market value or replacement cost of each item.

✔ Use depreciation tables and market data to determine the actual cash value (ACV).
✔ Calculate the replacement cost (RCV) for purchasing new equivalent items.
✔ Consult with industry experts (antique appraisers, electronics specialists, jewelers, etc.) for high-value items.
✔ Ensure valuations align with insurance policy terms for maximum claim recovery.

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5. Preparing a Professional Contents Evaluation Report

We compile all findings into a detailed, well-organized report that serves as the official documentation for the insurance claim.

✔ Formatted inventory list with clear descriptions and values.
✔ Supporting photographs, receipts, and expert appraisals.
✔ Depreciation calculations and justifications for valuations.
✔ Any additional notes regarding disputed or special-case items.

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6. Submitting the Report & Supporting Insurance Claim Negotiations

Once the report is complete, we assist in submitting the documentation to the insurance company and negotiating the fair settlement of personal property losses.

✔ Work with the insurance adjuster to justify valuation figures.
✔ Address any disputes regarding undervaluation or missing items.
✔ Provide additional evidence if the insurer challenges an item’s worth.
✔ Ensure the client receives the proper compensation based on policy terms.

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7. Assisting With Disputed or Denied Claims

If the insurance company denies part of the claim or offers an unfair settlement, we provide expert dispute resolution and supplemental claims support.

✔ Review insurer’s valuation and identify errors or omissions.
✔ Provide additional supporting documentation or expert opinions.
✔ Assist in formal appeals or appraisal processes if necessary.
✔ Support attorneys or legal teams in cases involving disputed personal property claims.

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8. Final Review & Claim Resolution

Once the claim is settled, we review the final outcome with the client to ensure they receive proper compensation.

✔ Confirm settlement accuracy and compliance with policy terms.
✔ Provide recommendations for record-keeping and future loss prevention.
✔ Offer guidance on contents coverage adjustments for better future protection. 

Building Pre-Loss Risk Management - Questions and Answers

1. What is Building Pre-Loss Risk Management?

Pre-Loss Building Risk Management is a proactive approach to identifying potential risks and vulnerabilities in a property before a disaster occurs. This service helps contractors, property owners, and businesses minimize future damage, reduce financial losses, and ensure insurance policies adequately cover potential risks.

✔ Identifies structural, environmental, and operational risks.
✔ Helps property owners and businesses mitigate potential losses.
✔ Ensures insurance policies provide sufficient coverage before an event occurs.

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2. Why Should I Consider Pre-Loss Risk Management for My Property?

You should invest in Pre-Loss Risk Management if:

✔ You own or manage commercial, industrial, or high-value properties with complex risk factors.
✔ Your property is located in an area prone to hurricanes, floods, or wildfires.
✔ You want to ensure compliance with current building codes and safety regulations.
✔ You need to assess your insurance policy coverage to avoid being underinsured.

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3. What Does a Pre-Loss Risk Assessment Include?

Our Pre-Loss Building Risk Management services include:

✔ Comprehensive property inspections to identify weaknesses.
✔ Structural evaluations to assess resilience against storms, fire, or other disasters.
✔ Review of building codes and compliance requirements.
✔ Analysis of insurance coverage gaps to ensure adequate protection.

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4. How Can Pre-Loss Risk Management Benefit Contractors and Property Owners?

✔ Contractors can ensure projects meet safety and compliance standards before construction or restoration.
✔ Property owners and managers can take preventative measures to strengthen buildings before an event occurs.
✔ Insurance professionals can use risk reports to help clients obtain adequate coverage and lower premiums.

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5. How Often Should a Property Undergo a Risk Management Assessment?

✔ Before purchasing or insuring a new property to assess potential risks.
✔ Annually or bi-annually to keep up with changing regulations and structural wear.
✔ After major renovations or modifications to ensure compliance with updated codes.
✔ If the property is located in a high-risk area, regular assessments can help reduce the chances of catastrophic loss.

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Building Pre-Loss Risk Management: A Step-by-Step Guide

At On Point Claims, our Building Pre-Loss Risk Management Services help contractors, property owners, and businesses identify potential risks, strengthen building resilience, and ensure proper insurance coverage before a disaster occurs. We provide detailed risk assessments, preparedness plans, and preventative maintenance strategies to minimize potential damages and financial losses.

Below is a detailed breakdown of our process, demonstrating the extensive effort involved in assessing risks, implementing mitigation strategies, and ensuring long-term protection.

1. Initial Consultation & Risk Profile Assessment

Before conducting a full property assessment, we begin with a comprehensive consultation to understand the specific risks associated with the building, location, and business operations.

✔ Identify key risk factors (hurricanes, flooding, fire, structural failure, etc.).
✔ Analyze property history and past damages (previous claims, maintenance records).
✔ Discuss client concerns, insurance goals, and risk tolerance levels.
✔ Review current insurance policies to identify potential coverage gaps.

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2. On-Site Risk Assessment & Structural Evaluation

We perform a detailed inspection of the property to uncover vulnerabilities and identify necessary improvements before a loss occurs.

✔ Structural analysis to assess resilience against extreme weather and disasters.
✔ Evaluation of exterior vulnerabilities (roof, windows, doors, drainage systems).
✔ Interior inspections (plumbing, electrical systems, HVAC, fire suppression systems).
✔ Assessment of compliance with building codes and industry regulations.
✔ Use of advanced tools (thermal imaging, moisture detection, drone inspections).

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3. Hazard Identification & Risk Mitigation Planning

Once the assessment is complete, we identify specific hazards and create a customized risk mitigation plan.

✔ Pinpoint potential causes of future damage and prioritize corrective actions.
✔ Develop property-specific solutions for structural reinforcements.
✔ Recommend proactive safety measures (storm shutters, fire-resistant materials, flood barriers).
✔ Address environmental risks (mold prevention, hazardous material handling, drainage issues).

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4. Creation of a Comprehensive Preparedness Plan

A Pre-Loss Preparedness Plan ensures that property owners, managers, and tenants are equipped with clear protocols and strategies to handle emergencies.

✔ Emergency response guidelines for natural disasters, fires, and structural failures.
✔ Evacuation procedures and shelter-in-place strategies.
✔ Backup power and utility failure contingency planning.
✔ Inventory documentation of high-value assets for insurance claims.
✔ Coordination with restoration professionals for rapid recovery.

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5. Development of a Preventative Maintenance Plan

A proactive preventative maintenance strategy helps extend the life of building components and reduces the risk of unexpected failures.

✔ Regular inspections of critical building systems (roof, HVAC, plumbing, electrical).
✔ Scheduled servicing for fire suppression systems, generators, and elevators.
✔ Drainage and moisture control strategies to prevent water damage and mold.
✔ Routine structural integrity checks to identify potential wear and tear.
✔ Customized maintenance schedule based on property type and risk factors.

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6. Insurance Policy Review & Risk Adjustment Recommendations

We analyze existing insurance coverage and provide recommendations to ensure adequate protection against identified risks.

✔ Evaluate current policy limits, exclusions, and endorsements.
✔ Identify potential underinsurance issues.
✔ Recommend coverage adjustments based on updated risk assessment.
✔ Assist in obtaining specialized insurance coverage for unique property risks.

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7. Final Risk Management Report & Implementation Strategy

Once all assessments and plans are complete, we provide a detailed final report outlining the pre-loss risk management strategy.

✔ Comprehensive documentation of identified risks and solutions.
✔ Step-by-step implementation plan for mitigation and maintenance.
✔ Collaboration with contractors and property managers for execution.
✔ Ongoing risk monitoring recommendations to keep the property protected.

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8. Ongoing Risk Monitoring & Periodic Reassessment

To maintain a high level of preparedness, we offer ongoing support, periodic reassessments, and updates to the risk management plan.

✔ Annual property evaluations to identify new risks.
✔ Adjustments to preparedness and maintenance plans as conditions change.
✔ Post-event evaluations to improve future risk mitigation strategies.
✔ Training sessions for property managers and staff on risk preparedness. 

 

Public Adjusting:

 

At On Point Claims, we specialize in navigating the complexities of insurance claims with precision and expertise. Our public adjusting services are designed to provide comprehensive support to property owners, businesses, and organizations facing damage to their buildings or property. From assessing the extent of losses to negotiating with insurance companies, we handle every aspect of the claims process to ensure fair outcomes.

 

 

With a dedicated team experienced in managing commercial, residential, and industrial claims, we focus on roof damage, water or fire incidents, structural damage, and more. We pride ourselves on our thorough approach and commitment to achieving the best results for our clients. At On Point Claims, your property is our priority.

 

FAQ:

 

Q: What is a public adjuster?
A: A public adjuster is a licensed insurance claims professional who advocates for policyholders during the claims process. Unlike insurance company adjusters, who represent the insurer's interests, public adjusters work solely on behalf of the policyholder to ensure a fair and accurate settlement. They assess damages, review policy coverage, and negotiate directly with the insurance company to maximize the claim’s value based on the policy terms.

 

Q: When should I hire a public adjuster?
A: You should consider hiring a public adjuster if you:

Are facing a large or complex insurance claim, such as property damage from fire, water, storms, or structural issues.
Disagree with your insurance company's estimate or settlement offer.
Need help understanding your policy and its coverage.
Want professional expertise to document, justify, and negotiate your claim, ensuring you receive the settlement you're entitled to.
A public adjuster can help reduce the stress of the claims process while maximizing your claim's potential.