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EE&G Disaster Recovery Services Offers New Jersey and New York Residents Help Filing Insurance Claims Related to Hurricane Sandy
Although Hurricane Sandy Is Over, Dealing With Insurance Companies Can Still Be A Disaster
For homeowners and business in New Jersey and New York, the power may be restored, the roads may be cleared and the gas lines are a distant memory. But dealing with insurance companies to get full compensation for losses experienced during Superstorm Sandy can still feel like a disaster. "It's not enough to fill out forms and take pictures," says Cheri Holmes, president of EE&G Disaster Recovery Services. "Unless someone has been through this before and knows what insurers are looking for, it's easy to make mistakes and to have your claim rejected or only receive a portion of the settlement to which you are entitled."
EE&G Disaster Recovery Services specializes in helping property owners get the maximum value for their losses. Employing their own staff of licensed public adjusters, they work exclusively on behalf of the insured compared to the claims adjusters who works for the insurance companies. Only a public adjuster can represent a home or business owner.The insurance company's adjuster works for the insurer.
Holmes, who has worked in the insurance and real estate field for 10 years, has prepared a list of helpful hints for New Jersey and New York residents who are overwhelmed by the post-disaster insurance claims process.
EE&G slogan's “Recovery does not have to be a disaster,” is backed up by almost 30 years of environmental engineering expertise and 10 years working with homeowners and businesses in public adjusting.
EE&G is at the forefront of responding to the most catastrophic disasters that have impacted our nation. The United States Army Corp of Engineers recognized EE&G for their work at the World Trade Center-Staten Island Landfill recovery operation. Their Disaster Recovery Unit has processed over 500 claims from Hurricanes Katrina, Gustav and Isaac. The firm also handles earthquake, fire damage and environmental issues including mold remediation and asbestos removal.
More information about the public adjuster insurance claim assistance services offered by EE&G Disaster Services is available at DisasterClaimsHelp.net.
EE&G Recovery Services
Helpful Tips for New Jersey Residents Seeking Filing Post-Sandy Insurance Claims
You don't have to do this yourself (Public vs. company adjusters)
"Dealing with an insurance company through their adjuster is like going into court without a lawyer," says EE&G Disaster Recovery Services President Cheri Holmes. A licensed public adjusting company like EE&G can provide a detailed claims estimate of damages, meet with the insurance company’s adjuster and file all of the paperwork for you. "If you have significant damage to your home -- say over $100,000 in losses because a tree hit your house or you were flooded out -- it only makes sense to get a professional's help to protect your most valuable asset." With so much at stake Holmes recommends asking for credentials and verifying license status of anyone presenting themselves as public adjusters.
If you don't succeed at first, file a supplement
"If you are dissatisfied with the results or even if you want the reassurance that you were treated fairly, a public adjuster can help," says Holmes. "If a claims payment has already been paid we can evaluate the claims summary for completeness and if there are any discrepancies recommend supplemental payment -- all within the same claim."
Holmes says that EE&G has a team of claims specialists with specific disaster recovery expertise in reconstruction and environmental remediation. As an added benefit, public adjusters are well versed in policy language and coverage issues. "Unfortunately, some — but not all — of the big insurance company adjusters working catastrophic claims have minimal construction experience,"
No fee, no risk, less stress
Although regulations vary by state, in New York and New Jersey public adjusters get a percentage of the claim and get paid as a contingency. "We only get paid if you get paid. It's a win-win," says Holmes. And there's no dollar amount you can put on the stress reduction of having someone else deal with your insurance company.
Holmes says one of the advantages of hiring a public adjuster to handle either the initial claim or supplemental claims is that the detailed work and the expertise required to complete the claim correctly is handled by experts at no up-front cost to the policy holder. "Studies have shown that policyholders that consult a public adjuster can receive higher settlements,"
There's no downside to getting outside help, either. "Carriers aren't allowed to penalize you for making a claim. A named storm, such as Hurricane Sandy, is called a non-merit claim and does not negatively affect your personal insurance record," she says.
Using a public adjuster helps you get the maximum payout for the losses you have experienced as a return on investment for the insurance premiums you have paid.
For more information on the public adjuster insurance claims support offered by EE&G Disaster Recovery Services, contact Cheri Holmes by visiting DisasterClaimsHelp.net, email email@example.com or call (985) 276-4227.