Author Archives: WorldClaim

Severe Storm and Tornado Causes Expensive Property Damage in Adairsville, Gordon & Bartow Counties

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Severe weather and tornado activity swept through Atlanta and northern Georgia, causing serious destruction especially in Gordon and Bartow counties Wednesday. Many families and business owners are now faced with figuring out how to regroup and rebuild while dealing with loss.

After all the difficulties of such a life-interruption, having to deal with an insurance claim can almost be too much to handle. You have to navigate through paperwork to properly file a claim, and later determine if your settlement offer is even fair. That’s where a public adjuster can make a world of difference. As a professional who understands the insurance industry, a WorldClaim public adjuster handles the claims process and advocates for you, so you can focus on what’s most important.

Weather experts knew the weather on Wednesday was about to become severe because cold air from the north was about to collide with moist tropical air from the south and cut a swath of explosive storms from the gulf coast across Georgia and up the east coast to New York. Their severe weather and tornado forecast proved true.

The massive storm system caused extensive northeast Georgia and Atlanta property damage. News reports on CBS showed demolished businesses and homes, overturned cars, downed trees and power lines. The downtown area of Adairsville, Georgia just north of Atlanta was demolished, and two people there were killed and 9 hospitalized. Interstate 75 was even shut down for the better part of the day because of overturned tractor trailer trucks and flooding on some interstate ramps. Homes suffered damage from falling trees and flooding in some areas. Governor Nathan Deal declared a state of emergency in two of the hardest hit counties. Widespread property damage and power outages affected areas of metro Atlanta and surrounding communities.

Now the cleanup will begin with people taking stock of their property damage and contacting their insurance companies. Now is the time to consider getting help with the property insurance claim process. Experiencing major property damage can be an emotional and stressful time and having to deal with the paperwork and red tape involved in filing a property damage claim can only add to the frustration. Letting a public adjuster handle a commercial property claim can free up the business owner or property manager letting them get back to running their businesses and getting order back into their lives.

Our Atlanta public insurance adjusters at WorldClaim can take the burden off your shoulders and handle your residential or commercial property insurance claim for you. Best of all, our Atlanta public adjusters work for you not the insurance company. That means we look out for your interests and make sure that you will receive the fair settlement that you are entitled to and deserve.

WorldClaim Atlanta Public Adjusters Settle Property Damage Claims Fairly for Owners

If you need an Adairsville public adjuster, call us at 1-800-831-1331! We have experienced extensive property damage from severe weather or from any type of disaster including earthquake, fire, or flood you should contact one of our Atlanta public insurance adjusters at WorldClaim.

Has a Winter Storm Inflicted Property Damage to Your Atlanta Home or Business?

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Atlanta property owners who sustain major damage from winter weather event may need help with property damage insurance claims as they try to get their property repaired and/or rebuilt along with replacing personal property that was ruined. One of the last bouts of severe weather the Southeast experienced was a month ago during the Christmas Day winter storm of 2012 which blew in from the west and proceeded to cause property damage from Mississippi, through Alabama, and into Georgia and surrounding states. The storm caused winter property damage due to the strong winds, tornados, heavy snow, freezing rain, ice and flooding it produced, and the southeastern United States is geographically susceptible to serious winter weather.

WorldClaim’s Atlanta public adjusters work for the property owner, not the insurance company and are well known for the excellent service they provide to property owners, both private and commercial, helping with property insurance claims.

Geography of Southeastern States Makes Them Friendly Environment for Storms

According to Nicholas D’Andrea, a professor of geography, winter tornado formation in the South is due to a “perfect environment” of weather patterns and geography. According to the professor, cold air from Canada mixes with the warm tropical air from the Gulf of Mexico giving storms the immense energy they need to grow in intensity. They then blow up the valleys formed by the mountains in Mississippi, Alabama and Georgia. Even strong straight line winds within a storm have the potential to produce severe property damage.

Residents of Atlanta, thankfully, escaped the worst of the Christmas day winter storm. However it is important to note that the conditions which produced this storm are still at work in the atmosphere. The Weather Channel informs us that late winter through spring is the peak tornado season in the Southeast. In addition, late fall can increase tornado activity because the jet stream often drops down to the south from a normal higher location and interacts with moist tropical air to produce strong storms which can spawn tornados.

Tornadoes, Straight Line Winds, Freezing Rain, Frozen Water Pipes, Ice, Snow, Fire Cause Winter Property Damage

Most property cannot withstand a tornado, but strong winter storms can cause major property damage from tornados as well as wind, ice, snow, freezing rain and extreme cold conditions. The weight of ice and snow on a roof can cause a roof to fail and collapse, damaging not only the building but the contents as well. Water pipes can freeze and burst in extreme winter weather causing thousands of dollars in property damage. During an ice storm nearby trees can crack and fall into homes and businesses inflicting major damage. Then there is damage to property that is secondary to the storm caused by fireplaces and space heaters which have not been maintained properly or are being used improperly which end up causing a fire. Many winter home fires are caused by space heater and fireplace accidents.

Atlanta Residents Have Advantage of Local WorldClaim Public Adjusters Office

Residents of Georgia have the advantage of a conveniently located WorldClaim Atlanta public claims adjuster office which can quickly respond to those who need insurance claim help after suffering damage from a winter storm, or any cause of major property damage. Because an Atlanta public adjuster works for the property owner, not the insurance company, you can be assured your interests are being protected and you will receive the compensation you are entitled to from your insurance company.

If you have you own a Georgia business or are an Atlanta property manager and need help with an Atlanta commercial property insurance claim, WorldClaim is ready to help you. Our Atlanta public adjusters help both residential and commercial property owners with their insurance claims. This frees you up to deal with the needs of your family and/or business. We also free you up from the burden and frustrations of dealing with the insurance company, filing all the necessary paperwork, and expediting the entire insurance claims process.

Contact WorldClaim’s Atlanta Public Adjuster Office for Insurance Claim Help

Don’t think your insurance company has offered you a fair settlement for your property damage? Is the insurance claim paperwork too much to handle? Have multiple franchised properties to take care of? Call a WorldClaim Atlanta public insurance adjuster for help today! You can use our web form or give us a call. We are expert at filing property damage insurance claims on behalf of the insured to get a speedy and a fair settlement.

New Zealand Property Owners Discover the Value of Independent Public Assessors Like WorldClaim

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New Zealand insurance lawyer Andrew Hooker wrote an article reviewing New Zealand insurance assessors and their benefit to property owners. He noted that before the massive Christchurch earthquake almost all of the insurance assessors actually worked for and were paid by the insurance companies. This arrangement was certainly not putting the interests of the property owners first.

“A world renowned public assessing company – ‘World Claim’ – is one of the market leaders in New Zealand. Its representatives in New Zealand are passionate advocates for the rights of customers…” — article by Andrew Hooker

WorldClaim public adjusters arrived on the scene to represent the interests of the property owners after the Christchurch, New Zealand earthquake. They were there to help with the insurance claim process and make sure that the property owners’ rights were protected. They helped them get the best settlement they were entitled to, which was often much more than what the insurance company had offered to settle for. Public assessors know how to negotiate with the insurance company to get fair value for the losses suffered by the insured.

In the United States, public adjusting has been a common professional practice for a long time. Now that New Zealanders have experienced the help they received from public assessors, who were working on their behalf and not that of the insurance company, Andrew Hooker says that the practice is likely here to stay. Property owners, both private and commercial, discovered that when they were represented by a public assessor they got the claim settlement that they were entitled to, which more accurately reflected their losses.

Contact WorldClaim public assessors to get help with your insurance claim.  Protect the investment you have in your home or commercial property and get a fair settlement.

Christchurch Red Zone insurance case in High Court first of its kind

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“A Christchurch lawyer has confirmed a High Court case brought against an insurance company relating to a red zone property will be the first of its kind.”

Andy Fusco, international insurance adjuster

An insurance company agreed to pay for repairing Matt and Valerie O’Loughlin’s Dallington home, which was damaged in the February 2011 earthquake. But because the home is in the red zone, in the area that must be vacated by April 2013, the homeowners made the argument that they should be paid replacement cost.

This is the first time a court will determine what an insurer must settle. It took 9 approaches in two months to get Tower to the table, and a long time for the company to understand that the house was uninhabitable.

Listen to Radio Interview with Andy Fusco

Radio New Zealand News Article

Get Help with Insurance Claims When Winter Weather Results in Property Damage

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One major thing which property owners need to also keep in mind this time of year is being proactive in inspecting and preparing their property for the cold winter months ahead to help prevent damage from winter weather.

One major area of concern that should be looked at is home heating. Your home may be heated by any number or combination of heat sources including central heat & air. Many people struggling in our poor economy are increasingly using alternate sources of heating their property (fireplaces, wood burning stoves & small electric space heaters) which are inherently more dangerous because knowledge of safe use and regular maintenance are needed.

All of these different heating units require maintenance and occasionally repair to keep them in safe operating condition. Those with wood burning stoves & fireplaces and small electric & kerosene heaters in particular need to be aware of safe use guidelines. According to FEMA a major contributing factor in winter home fires are small space heaters, wood burning stoves, and fireplaces which are used improperly or have been poorly maintained.

Just recently, an unattended space heater caused a fire in an apartment in Brentwood, Maryland which damaged most of the apartments on the second and third floors including the residents’ personal property and leaving them homeless. Sometimes winter weather property damage occurs despite our efforts to use and maintain our homes and apartments. As in the case of the apartment fire in Brentwood, it only took one careless neighbor to affect dozens of others in the apartment complex, including the apartment complex owner or manager who must now deal with the insurance company to rebuild.

If you have experienced property damage to your home, business, or property that you manage because of a faulty or poorly maintained heat source or because of the negligence of another, an experienced public insurance adjuster can give you insurance claim help that will represent your interests. They are knowledgeable and experienced at negotiating with insurance companies to make sure that you will receive the largest settlement amount that you are due.

Don’t let winter weather that results in property damage to your home or business ruin your peace of mind at this time of year. Let WorldClaim public claims adjusters handle your property insurance claim and take the worry and stress off of you. We have regional offices located throughout the United States and also international offices which make us able to respond quickly to anyone needing help with their insurance claim.

Governor Andrew Cuomo Announces Emergency Measures to Speed Insurance Claim Help

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Governor Andrew Cuomo has taken steps to expedite Sandy insurance claims for property owners so they can recover more quickly by putting in place 3 emergency regulations which will take effect immediately. These regulations include;

  • Insurance companies have 6 days to get an adjuster to the site after a homeowner reports a claim
  • Homeowners can begin repairs before an adjuster arrives if there is a health or safety issue
  • The state is expediting temporary licenses to qualified out-of-state adjusters

These emergency regulations will speed up the process of helping homeowners get their claims settled quickly, begin repairs/rebuilding, and receive the insurance claim help they need. Public insurance adjusters like those at WorldClaim are uniquely qualified to assist homeowners with their insurance claims. They have helped property owners with every major disaster in this country since 1979 and are able to take command of the insurance claims process from start to finish. They work for you, representing your interests, not those of the insurance company.

According to Cuomo there are presently 360,000 claims, which have surpassed anything anyone has ever seen, and reflects the devastating nature of the super storm which swept the region. The historic size of the damage and number of claims requires these emergency measures so that the victims of the storm have hope of receiving the help they need to begin rebuilding their lives.

Contact a WorldClaim public insurance adjuster today! Let us relieve you of the burden of the complicated and often frustrating insurance claims process and deal with the insurance company and FEMA as your representative.

3 Things to Consider When Hiring a Public Adjuster

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How can you find a trusted professional to handle your claim? After serious storms like Hurricane Sandy, many unlicensed public adjusters and contractors show up to take advantage of homeowners during the situation. You need to be sure you’re talking to a licensed, qualified public insurance adjuster. Ask questions about what memberships and associations they are part of, request to see documentation of his or her experience, and check out their website.

Is hiring a public adjuster worth it? Public insurance adjusters usually charge a percentage of the final settlement, so if your final settlement from the insurance company is higher than you would have received trying to navigate the process on your own, a public adjuster’s service will basically pay for itself. Besides that there’s value in having a professional reduce the overall time spent and stress that comes from filing for your claim. Insurance company adjusters work for the insurance company, but a public adjuster works for you, with your best interests in mind.

When should you hire an adjuster — from the beginning, or after you get an offer from the insurance company? It comes down to a judgment call to be made by a policyholder. By hiring a public adjuster from the start, you can reduce your stress and time spent on paperwork, and public adjusters work on your behalf to figure out what your claim is worth and work with your insurer to ensure you get what you’re owed. This is especially beneficial for large claims to streamline paperwork and sort out problems earlier on rather than months down the road. You may also decide to contact a public adjuster once you get a claim settlement offer from your insurer that you feel isn’t fair; however, getting professional help from the start can help you with making sure you’ve documented everything as thoroughly as possible and taken every step to expedite the process.

Get started. Contact WorldClaim to talk with a public adjuster about your situation. With decades of experience and assistance with every major disaster in the U.S. since 1979, our team of adjusters is available to help. Send us an email through our contact form or call us.

Connecticut Announces that Hurricane Deductibles Do Not Apply to Property Damage

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The State of Connecticut Insurance Department announced that hurricane deductibles also do not apply to the state, similar to the announcement by Governor Cuomo regarding the status of hurricane deductibles for the state of New York.

The announcement:
www.ct.gov/cid
P.O. Box 816 Hartford, CT
06142-0816

Important Notice Update to October 26th Insurance Department notice Hurricane Deductibles Storm Sandy – October 30th 2012

Please be advised based on information received from the National Hurricane Center (NHC) and the National Weather Service (NWS) A “Hurricane Warning” was not issued for the State of Connecticut nor did Connecticut sustain hurricane force winds as a result of Storm Sandy. Therefore, pursuant to Public Act 12-162 Section 1. (b) and the Department’s Filing Review Guidelines Related to Underwriting Coastal Homeowners Insurance Policies re-issued on December 9, 2011 (the “Coastal Guidelines”) as it relates to the use of hurricane deductibles companies may not impose a hurricane deductible on Connecticut claims. With respect to the use of vehicle placards for adjusters assessing damage in Connecticut, we have not confirmed with the Connecticut Emergency Management and Homeland Security (DEMHS) that vehicle placards will be needed at this time once we hear anything we will inform you accordingly. Please forward this notice to respective staff accordingly.

Based on NWS data the max gust wind recorded was 86mph in Madison, Ct and the max sustained winds recorder were 59mph in Bridgeport, CT. George B. Bradner, Director Property and Casualty Division (860) 297-3866

Governor Cuomo’s Press Release Regarding Hurricane Sandy Insurance Deductibles

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For Immediate Release: October 31, 2012
GOVERNOR CUOMO ANNOUNCES HOMEOWNERS WILL NOT HAVE TO PAY HURRICANE DEDUCTIBLES
Department of Financial Services Working Closely with Insurers to Speed Response to Homeowners Who Experienced Losses
New Yorkers Can Call DFS Disaster Hotline for Help

Governor Andrew M. Cuomo today announced that New York homeowners will not have to pay potentially large hurricane deductibles on insurance claims stemming from damage caused by Monday’s storm.

The New York State Department of Financial Services has informed the insurance industry that hurricane deductibles should not be triggered for this storm. This will prevent coastal homeowners from having to pay deductibles in their insurance policies.

“Homeowners should not have to pay hurricane deductibles for damage caused by the storm and insurers should understand the Department of Financial Services will be monitoring how claims are handled,” Governor Cuomo said.

Many homeowners’ insurance policies for homes located in downstate areas contain hurricane deductibles based on a percentage of a property’s insured value. These deductibles typically range from one percent of a home’s insured value to five percent. So for example, with a five percent deductible on a home insured for $300,000, the homeowner would have to pay for the first $15,000 of damage.

Benjamin M. Lawsky, Superintendent of Financial Services, said, “We have informed the insurance industry that hurricane deductibles are not triggered because Sandy did not have sustained hurricane-force winds when it made land in New York. We will be working with insurers to help them respond as quickly as possible to homeowners who need to file claims. And we will be sending our mobile command center to hard hit areas to help consumers with insurance questions and problems.”

DFS urges homeowners who experienced property losses to file insurance claims with their insurers promptly and as soon as possible after losses occur. It is important to provide policy numbers and all information relevant to the loss. To best document losses, homeowners should to take photos or videos showing the extent of the losses before cleaning up damage.

Homeowners should make only necessary repairs to prevent further damage to property, like covering broken windows. Permanent repairs should not be made until after insurers have inspected losses. Damaged personal property should be kept until after an insurance settlement has been reached.

In addition, homeowners should cooperate fully with their insurer and keep a diary of all conversations with the insurance agent, including the agent’s name, as well as the times and dates of all calls or visits.

Homeowners are also reminded that flood damage is only covered by flood insurance, which is a federal program administered by FEMA. Homeowners who have flood insurance and have flood damage should make claims through that insurance.

DFS will be sending its mobile command center to hard hit areas to help consumers with insurance questions and problems.

DFS has activated a Disaster Hotline to answer consumer questions and help with problems. The Disaster Hotline number is 800-339-1759. It is staffed Monday – Friday from 8 AM – 8 PM and Saturday – Sunday from 9 AM – 4 PM.

Homeowners unable to resolve disputes with insurers can file complaints at http://www.dfs.ny.gov/consumer/fileacomplaint.htm.
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Additional news available at www.governor.ny.gov
New York State | Executive Chamber | press.office@exec.ny.gov | 518.474.8418

What Will Hurricane Sandy Cost Homeowners in Property Damage?

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Estimations for Hurricane Sandy damage costs range from $10 billion to $20 billion, with $5 billion to $10 billion expected in insured losses. Looking at the photos of the aftermath it’s easier to believe how the estimations are so high: fires in Breezy Point, N.Y., boats piled up near Aberdeen, N.J., cars sitting in water in Hoboken, and businesses flooded in Atlantic City.

Repair, Rebuild, Get Back to Business by Hiring Public Adjuster

How do you know what’s covered under your property insurance policy? Will you know if your claim settlement offer is too low or unfair? What can you do to make sure you get the most that you’re able to from your settlement? Where do you even begin? That’s how we help.

After a storm severely damages your home or business, hire a professional to help you with your property insurance claim. With the high volume of claims and the high expense to insurance companies when such a widespread area is affected, make sure you get a fair claim settlement. Unfortunately, insurance companies aren’t looking out for your best interests, but we are. Insurance company adjusters work for the insurance company, but a public adjuster works for you. Our team of professional public adjusters, estimators, business interruption specialists, CPAs and appraisers are onsite ready to help you through the claims process. We’ve assisted home and business owners after every natural disaster since 1979, focusing on maximizing your claim and making the process as smooth as possible so you can focus on rebuilding.

We have 18 offices worldwide, but one of our two corporate offices is located in New York. In fact it was the original location of our first office. Other offices on the East Coast include locations in South Carolina and Pennsylvania, and our RVs are onsite in disaster areas to help you now no matter where you are. Please call us today at 1-800-831-1331 or 1-800-470-4700. From reviewing your insurance coverage to negotiating your settlement, our public adjusters in New Jersey and New York are available to help you.

Standard Wind Damage Deductible versus Hurricane Deductible

Many property owners will be paying higher deductibles for wind damage because standard policies in coastal states will switch from a flat-rate deductible to a percentage deductible calculated on the insured value after a storm is “named.” The change from one deductible type to another is often triggered by the National Weather Service categorizing a storm a certain way or other similar factors.

Separate Policy for Flood Damage

What’s often more difficult for homeowners to face after a storm is that standard property insurance policies have no coverage for flood damage. These types of coverages are especially important during storms like Hurricane Sandy with prime conditions for intensified storm surges. Flood insurance coverage is available through a separate flood policy from the National Flood Insurance Program or some privately held insurers.

Hurricane Sandy May Cost Property Owners Thousands More for Damage Due to Percentage Deductible Policies

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What many home and business property owners in coastal states may not realize about their policy may burn a much bigger hole in their pocket than they may expect. This includes New Jersey where Hurricane Sandy is expected to make landfall.

What’s the catch?

Standard policies cover wind damage but instead of paying a standard deductible, homeowners pay a hurricane deductible — a percentage usually ranging 1% to 5% based on the insured value of the home. The triggers for a hurricane deductible versus a standard deductible vary by state and insurer, but typically apply when the National Weather Service “names” a tropical storm, declares a hurricane watch or warning, or it may be when the storm is defined as a Category 1 or 2 Hurricane. Check your policy to see what may prompt the change to a percentage deductible.

How does a percentage of replacement value of a property work instead of a traditional deductible?

It may seem like a smaller deal until you crunch some real numbers.

Under a standard traditional deductible, you may pay around $500 or $1,000 out of pocket.

Under a percentage deductible, if your property is insured for $250,000, and has a 5% deductible, you’d be paying $12,500 out of pocket. Deductible percentages are often higher for beachfront properties.

Who’s affected by hurricane deductible insurance policies?

Coastal states that have hurricane deductibles include areas most vulnerably to hurricanes: Maine, but include: Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Rhode Island, South Carolina, Texas, Virginia and Washington, D.C.

Get more information about hurricane and windstorm deductibles here.

Why do hurricane deductibles exist?

Serious storm-related damage in higher populated coastal cities has made it too expensive for insurance companies to payout the high costs associated with widespread hurricane damage. Many of these policy changes started to take affect after Hurricane Andrew in 1992.

How can WorldClaim help you with your claim?

WorldClaim Global Claims Management works for policyholders, not insurance companies. We are professionals who help handle the arduous claims process for you, to maximize your claim settlement and help things go smoothly, while you focus on running your business and taking care of your family while rebuilding.

WorldClaim Teams Mobilize to Help with Insurance Claims After Hurricane Sandy Causes Serious Storm Damage

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WorldClaim Global Claims Management will be mobilizing its team of professional claims adjusters and resources up the Northeastern part of the United States to respond and assist those in need after the storm. WorldClaim’s team of adjusters, estimators, business interruption specialists, CPAs and appraisers will be available to commence with the arduous process of maximizing your claims collections from your insurance company immediately after the storm.

We work for you, not the insurance company — to help you maximize your claim settlement and smooth out the process. For immediate needs and questions regarding your insurance or property damage, please call our national disaster response hotline at 1-800-831-1331 or 1-800-470-4700.

Whether you are a commercial property owner or business owner, the local landfall impact of Hurricane Sandy will be one of the most significant financial events you will ever have to deal with. WorldClaim will be there for you to assure that your coverages are maximized, and all your recovery efforts go smoothly.

As of right now, predictions are that up to 24” of snow in West Virginia and surrounding states, mixed with 80-100 mile per hour winds will wreak havoc on the Eastern seaboard. The storm may affect over 10 million people between Virginia and New York. When high surge and heavy rains collide with blizzard-like conditions, the result will be major catastrophic damage to properties and businesses. Preliminary reports predict the storm will emulate the great storm of 1991 and the Southeast crippler of 1993. Landfall is expected Monday night between New Jersey and Delaware, and possibly within 100 miles of New York City. Millions of homes and businesses face flooding and coastal areas will experience significant storm surge and widespread power outages.

Strong Cold Front Leaves Storm Damage & Flooding in Its Wake

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Cold fronts bring welcome rain and cooler weather after the end of a hot dry summer. But when all the right weather ingredients come together in specific combinations it can be a recipe for severe weather. That’s what happened when the September 18 cold front spawned severe east coast weather from the Carolinas up to Maine.

Reagan National Airport experienced winds of over 60 miles per hour and several east coast airports had to stop all incoming and outgoing flights during the severe weather. A story on the effects of the severe weather in the Baltimore Sun tells how it caused widespread disruption of power in several states including Pennsylvania, Delaware, and New Jersey. It caused a disruption of train service and the cancelation of baseball games in New York. All these power outages, canceled games, and disrupted travel plans are inconvenient, but damage to property caused by the bad weather is a serious issue and many families affected by this storm may need help filing insurance claims for the damage they suffered from the severe weather.

There were many reports of damage from high winds and tornadoes, flooding from heavy rains and hail. In the D.C. area one woman recounts how she was snuggled up on her couch during the storm when a tree branch suddenly crashed through her ceiling, barely missing her. When severe weather damages homes & business property as well as personal items contained within, owners want to know that they will receive fair value for their losses from their insurance companies.

Where to Get Help with Storm Damage Insurance Claims: A Public Adjuster

This is where the expertise and knowledge of a public claims adjuster like WorldClaim can be most helpful to a homeowner or a business that has suffered property damage from severe weather. WorldClaim has many years of experience helping owners of residential and business property, as well as property managers, receive fair compensation from their insurance companies.

Contact a WorldClaim insurance claims adjuster today to help you with your insurance claim. We have regional offices across the nation which allows us to be on the ground quickly to help people who have suffered property damage from flooding, fire, tornadoes, hurricanes, earthquakes, or any type of disaster resulting in property damage. We stand up for your interests to get you the best insurance settlement for your losses.