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Smoke Damage Claim Services From Adept Public Adjuster

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 WE WORK FOR YOU - NOT THE INSURANCE COMPANY.

 WE HAVE A STRATEGIC APPROACH BASED ON DECADES OF EXPERIENCE.

 REAL EXPERIENCE = REAL RESULTS.

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Your Trusted Partner in Handling Smoke Damage Claims

We are the go-to resource for effectively and stress-free handling your smoke damage claim. Our Public Adjuster are not just experts in the field; they’re your advocates, committed to guiding you through each intricate detail of the claims process. From initial assessment to final settlement, we’re here to make sure you’re well-informed and confident every step of the way.

So why navigate this complex journey alone when you can have a trusted partner? Let’s take that first step together.

How can a Public Adjuster Help with your Smoke Damage Claim?

As your personal, licensed, and bonded Public Adjuster, we are the only adjusters who are exclusively licensed to represent the policyholder’s interests throughout the claim process.  The insurance company will assign and send out a Staff Adjuster or an Independent Adjuster upon filing your claim.

Don’t be fooled. Both of these adjusters work for the insurance company.  The only difference between an Independent Insurance Adjuster and a Staff Adjuster is that the staff adjuster only represents one insurance company, while an independent adjuster can represent many different insurance companies.

Studio Apartment Smoke and Fire Damage, Needing Restoration
Public Adjusters help with Smoke Damage claims

Why are there so any Disputes with Smoke Damage Claims?

The main reason that a smoke damage claim is often difficult to resolve is that soot and smoke damage are often not very visible and literally get everywhere.  One needs to understand how smoke and soot travel and how the presence of Smoke and soot can damage your property to fully and completely assess the damages.  The characteristics of Soot can vary greatly based on what the source is.

For instance, soot from burning plastics is very acidic and will cause corrosion on many metallic items worse than the soot from burning wood would cause.  The soot and smoke will get into every nook and cranny it can find.  Often, if the smoke and soot get into the attic, it can fall into the wall cavity; as you can imagine, this is not easy to clean.  

Smoke damage remediation and restoration must be completed by a qualified contractor, as their actions are among the most important in your recovery.

Dryer Fire with extensive smoke, soot and water damage resolved by Claim Concepts Public Adjusters

When is it Time to get Help with your Smoke Damage Claim?

  1. As quickly as possible and most definitely before you begin repairs!
  2. When the insurance companies adjusters tell you, they will treat you like their own family!
  3. When the insurance company adjuster appears dismissive about your concerns and tells you, everything can be cleaned!
  4. When you tell the adjuster you smell smoke, they say everything smells fine and look at you as if you are crazy!
  5. When your adjuster tells you how easy it is to clean and repair the problem, all the contractors you’ve spoken with advise you differently!
  6. When you are Fed Up, have had enough of their delays, and want to take control of your claim.

Get the Help You Deserve for Your Fire or Smoke Damage Claim

Visible fire and smoke damage, including soot, ash, and discolored materials, may be easy to spot.  What concerns us the most is the not-so-visible but yet very destructive soot damage. Soot which is left behind from a fire can be quite damaging to your home and your family’s health.  Left untreated it can and usually will get worse over time as the soot eats away at the materials it settles on.

We typically get called when all efforts by the policyholder have already failed. Many of our clients have already submitted an appeal letter to their insurance company for underpaid claims, and based on our experience, this will often delay the claim even further. You do not have to go through this alone. Public Adjusters exist specifically to assist policyholders like yourself through the claims process.  

Most people will hopefully never experience a fire or smoke damage claim, which puts you at a disadvantage when you find yourself in this situation. The Public Adjusters at Claim Concepts deal regularly with Fire, Soot, and Smoke Damage Claims. We know what needs to be done and how to navigate the claims process to a fair and proper resolution.

You have my 100% commitment that we will relentlessly fight to get you every last dollar that you deserve for your claim!  You will not find a team with more passion for helping people than the team at Claim Concepts.  – Greg Roover, President

Why Choose Us for Your Smoke Damage Claim

When it comes to navigating the intricate maze of smoke damage claims, you don’t want to go it alone. Here’s why our smoke damage Public Adjusters are your best bet for a smooth and successful claim process:

Expertise in the Field

  • Deep Knowledge: Our team is well-versed in the nuances of insurance policies and claim procedures.
  • Up-to-Date: We stay current with the latest industry regulations and settlement strategies.
  • Specialized Training: Each adjuster undergoes rigorous training to handle smoke damage claims effectively.

Personalized Service

  • One-on-One Consultation: We take the time to understand your unique situation.
  • Tailored Strategy: No cookie-cutter solutions here; we create a customized plan just for you.
  • Constant Communication: You’ll always be in the loop with regular updates and easy accessibility to our team.

Proven Track Record

  • Success Stories: We’ve successfully negotiated numerous smoke damage claims, securing favorable settlements for our clients.
  • Client Testimonials: Don’t just take our word for it; our satisfied clients speak volumes.
  • Years of Experience: Our long-standing presence in the industry is a testament to our reliability and effectiveness.

So, are you ready to make your smoke damage claim a hassle-free experience?

We’re here to assist you if you’re dealing with a fire or smoke damage claim—whether it’s a new case or one you feel has been underpaid. Let’s discuss your specific situation and explore how we can make things right for you. Ready to start?

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Meet Our Leadership Team at Claim Concepts

Our Commitment

At Claim Concepts, Eric and Greg embody the epitome of professional excellence, seamlessly intertwined with a profound personal commitment and a fiery passion that sets them apart. Their unique journeys reflect our company’s commitment to defining, genuinely understanding, and advocating for our clients. With Claim Concepts, you’re hiring experts and gaining partners who will tirelessly ensure your rights and interests are protected and fairly served.

Greg Roover

Greg Roover - Owner and Public Adjuster at Claim Concepts: Leading the Way in Insurance Claims Assistance
Owner/Public Adjuster

Inspired by Personal Experience

Greg’s path to becoming a Public Adjuster was deeply personal. The Northridge Earthquake was a turning point, where his family’s experience with a public adjuster opened his eyes to the profound impact of this role. Greg embarked on a strategic career journey, motivated by a desire to help others as his family was helped. He honed his skills working for prominent insurance companies as an independent insurance adjuster and NFIP-certified flood adjuster. 

In 2008, Greg’s vision came to fruition with the founding of Claim Concepts. His insider knowledge, gained from years within the industry, and his passion for aiding others have been instrumental in the company’s success. Greg’s expertise is not just in his impressive resume but in the countless testimonials from those he has aided, reflecting his dedication to securing the rightful settlements for our clients.

Greg's Expertise Backed by Industry Accreditations

Morgan "Eric" Thomas

Morgan - Your Trusted Public Adjuster at Claim Concepts
Public Adjuster

From Adjuster to Advocate

Eric’s journey in the insurance world began in 1989, marking the start of a career defined by expertise and dedication. Fresh out of college, he jumped into the role of an independent adjuster, swiftly advancing to a general adjuster position at a major firm. There, Eric specialized in complex homeowners and commercial property insurance claims, showcasing his skill in navigating intricate scenarios. 

In 2001, his career took a pivotal turn towards the construction aspect of insurance. As the General Manager for a renowned Insurance Restoration Contractor, Eric oversaw everything from estimating to maintaining vital relationships with insurance companies. His profound understanding of insurance and construction led him to Claim Concepts, where he now thrives as a Public Adjuster. His unparalleled insight has been crucial in ensuring that our clients receive the settlements they genuinely deserve

Eric's Expertise Backed by Industry Accreditations

Begin Your Hassle-Free Damage Claim Journey Today with Our Expert Support

4 EASY STEPS TO FILE A DAMAGE CLAIM WITH US

Our team of experienced insurance professionals has developed a proactive claim management strategy & process to help you receive the proper settlement that you need and deserve. We understand that proving your claim can be a daunting and time-consuming, and we are here to alleviate that burden for you. Our goal is to make this process as seamless and stress-free as possible for you while ensuring that you recover the full and proper settlement for your loss.

STEP 1 - Complimentary Consultation

We invite you to speak with one of our professional Public Insurance Adjusters about your situation. Our team will carefully review your policy, claim-related documents, and the extent of your damages. Based on our thorough evaluation, we will then offer our professional opinion on the best course of action for your specific circumstances.

STEP 2 - We Go To Work On Your Behalf

Our team of experienced public adjusters is dedicated to thoroughly documenting every aspect of your claim. We understand the importance of utilizing advanced technologies, such as 360 photography, thermal imaging, and moisture detection equipment, to fully capture all damages. This meticulous process ensures that we have a comprehensive record of all losses incurred. We will then prepare a detailed estimate, utilizing industry-standard estimating software, and assist you in creating an inventory of damaged personal property.

STEP 3 - Path Toward Settlement

Upon your approval, we will submit the estimate along with any supporting documentation to the insurance company on your behalf.  We will always protect your interests and ensure that you comply with all of your post-loss obligations provided within the policy.

STEP 4 - Settlement

We will keep you in the loop and present any offers made by the insurance company.  We will only accept settlement offers with your approval. 

GOT QUESTIONS? WE HAVE ANSWERS

Peace of mind! We are here to represent you and your interest in the claim. Unfortunately, insurance companies often times deny claims that should be paid or do not pay enough money on a covered claim. This is not always the case and even when it is it may not be intentional. I know that most adjusters have the best of intentions but sometimes they may be inexperienced or simply trained to see things one way, the way the big insurance company wants it to be seen. As Public Adjusters our number one job is to get you the largest settlement available to you under your policy with the insurance company.

NO. By state law we as Public Adjusters are not allowed to represent the insurance companies. We can only represent the insuring public.

The public adjuster is employed by you, the insured. Their function is to represent your interests and ensure that you recover the proper settlement for all of your losses per the terms of your insurance policy. The insurance company’s adjuster works for the insurance company and is responsible to protect their interests throughout the claim.

Public Adjusters typically work on a contingency basis which equals a small percentage of any money recovered by the insurance company.

NO! This is NOT required under any policy that I have seen to date and I do not recommend it.  In the event of a loss it is best to employ a Reputable Public Adjuster that knows what the policy will cover and what it takes to get your property back to its pre-loss condition. Many contractors will provide you with a competitive bid to make repairs but not necessarily get your property back to its pre-loss condition.

No.   In most cases we can reopen your file with a supplemental claim. There are many factors involved. Give us a call and we will be happy to offer you a free claim consultation.

Not necessarily.  It is not recommended to file a claim every time you spill a glass of water as you may become classified as a nuisance claim maker. Property insurance is typically rated based on your area which is why all homeowner rates increased in Florida after the hurricanes, whether you filed a claim or not. The risk is more related to the area where your property is located and in commercial situations the use of the property.  However, it is known that there are databases where claim activity is logged and each insurance company may have their own stipulations based on claim activity of the individual or the property.  Ultimately, you buy insurance to protect you in the time of a loss.  If you are debating whether you should file a claim or not, please feel free to call and speak with one of our Public Adjusters about your particular situation, we are always happy to help.

Do not do anything before having a qualified Public Adjuster or Attorney take a look at your file. Depending on the way everything is written you may be agreeing to their offer by depositing the check. We do not charge anything to come out and evaluate your particular situation.