In the unfortunate event your family, business, or condominium community suffers a devastating loss, chances are you will be entering uncharted, unfamiliar territory. Most of us never experience a major property loss, so when it happens, often what follows is a sense of confusion, vulnerability, anxiety, elevated stress, and great uncertainty about what to do next. Whether it be a catastrophic fire or small water loss, the situation can seem overwhelming and the road ahead very unclear.
This is where a professional, well seasoned, experienced public adjuster can assist. Fabbro & Company will proactively assess your losses, substantiate and present your claim, and engage in aggressive negotiations to successfully settle your claim. From the onset, the insurance company adjuster has a significant knowledge and experience advantage over you. Fabbro & Company fills this gap to create a level playing field.
Whether you retain professional help or go it alone, in order to achieve maximum settlement results , it is critical that a proactive, aggressive role be played in assessing, presenting, and negotiating your claim.
Decisions you make early in the insurance adjustment process can make a significant difference in the outcome of your claim. The implications of choosing one course of action over another can be dramatic, both psychologically and economically.
Tallahassee Residential Fire
Why Consider Fabbro & Company Public Adjusters?
Let our Notable Claims and Success Stories demonstrate why as well as Testimonials from some of our clients.
Fabbro & Company will not only bring you peace of mind that your interests are being protected, but will most likely put you in a much better position, economically, than you would be if you represented yourself. It has been proven that overall, those represented by experienced public adjusters will recover more than those who don’t. Read the independent study conducted by OPPAGA documenting the fact that public adjusters achieve much better settlement results for their clients than those who choose to represent themselves.
OPPAGA Study
In addition, by placing your claim squarely on your public adjuster’s shoulders, you are freeing up significant time and energy to focus on stabilizing your family and/or business situation during such a trying time.
Contrary to common perception, your insurance policy requires that you, the policyholder, perform certain duties before a claim can be fully paid. This includes preparation of a Proof of Loss, preparation and submission of contents inventories and business income claims, etc. Complying with these duties can be very cumbersome, time consuming, and complicated. Your public adjuster will proactively assist you with all your responsibilities under the terms and conditions of the policy.
Management of every claim by our firm involves extensive on-site evaluations, documentation gathering and organizing, estimating, and inventory preparation. Fabbro & Company provides unparalleled claims handling service and places great emphasis on preparing a comprehensive, substantiated, and professionally packaged claim proposal.
Services by claim type may also include the following:
- Conduct comprehensive review of homeowner insurance policy for coverages, limitations, etc.;
- Prepare dwelling damage repair estimates;
- Prepare detailed personal property loss inventories;
- Assess additional living expenses/fair rental value;
- Utilize experts when necessary (i.e., engineers, CPA’s, etc.);
- Document damage with photos/video; and
- Prepare proof of loss and other critical claim documents.
- Conduct comprehensive review of master association insurance policy for coverages, limitations, etc.;
- Prepare building damage repair estimates;
- Reconcile association vs. unit owner damages and coverages;
- Reconcile wind vs. flood damages;
- Address complicated deductible issues;
- Manage possible coinsurance issues;
- Attend board meetings to provide comprehensive claim updates/status reports;
- Thoroughly review board meeting minutes to establish pre-loss property conditions to support damages being claimed;
- Utilize experts when necessary (i.e., engineers, CPA’s, etc.);
- Document damages with photos/video;
- Prepare proof of loss and other critical claim documents.
- Conduct comprehensive review of commercial policy for coverages, limitations, etc.;
- Prepare building damage repair estimates;
- Prepare detailed business personal property/stock loss inventories;
- Assess and calculate business interruption losses/loss of rents;
- Utilize experts when necessary (i.e., engineers, CPA’s, etc.);
- Manage possible coinsurance issues;
- Document damages with photos/video;
- Prepare proof of loss and other critical claim documents.
Fabbro & Company will also participate in all meetings and/or discussions pertaining to the policyholders claim while maintaining constant and clear communication with the client throughout the entire process.
Whether you’ve suffered a fire, water, windstorm, or any other loss covered by insurance, let Fabbro & Company give you the peace of mind and professional claim representation you deserve.