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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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Best Water Damage Claim Service You Deserve

Given the intricate policy exclusions and often confusing filing procedures, the stakes are high regarding water damage claims. It’s easy to feel overwhelmed, so it’s crucial to be well-informed. Our water damage claim service is here to guide you through every twist and turn of the process. We’ll help you sidestep the common pitfalls that often lead to underpaid or denied claims. From understanding the nuances of your insurance policy to leveraging the expertise of public adjusters, we aim to equip you with everything you need to secure the best possible settlement.

So, whether it’s a plumbing leak or the aftermath of a severe storm, don’t navigate the labyrinthine world of water damage claims on your own. Allow us to guide you, ensuring you receive the service and settlement you rightfully deserve.

Do NOT let the insurance company and their adjusters dictate the outcome of YOUR claim!  We are the claims adjusters that will fight for you.  – Greg Roover, Public Adjuster & President of Claim Concepts

The Reality of Water Damage: A Complex and Common Issue

Water damage is more than simply a tiny trouble; it’s a multifaceted issue that can have significant repercussions.

In Florida, an astonishing 90% of contact with public insurers is due to underpaid or rejected water damages insurance claims. These insurance claims usually come from pipe leaks, storms, or other weather-related events. Nevertheless, there’s a catch: water damage claims are riddled with risks and exemptions that can lead to an entire case denial otherwise dealt with properly. That’s where we are available – to direct you via the maze and guarantee you receive the settlement you are entitled to.

Some of the most common claims that our Florida Public Adjusters see are water damage claims. 90% of our calls are from Policyholders complaining of Underpaid Water Damage Claims or Denied Water Damage Claims.  These claims are often from plumbing leaks or weather/storm-related, and as many learn throughout the process, they can be much more complicated than they appear.  A minefield of exclusions can easily result in a complete claim denial if presented improperly to the insurance company.

If you have ever returned home to be greeted by water rushing under your door, you very quickly came to appreciate the enormously destructive power of something as simple as a toilet overflow, broken dishwasher hose, or burst pipe.

The stakes are even higher in Georgia, where water damage claims are as frequent as summer thunderstorms. With myriad policy exclusions and complex filing procedures, it’s easy to feel overwhelmed. That’s why you must arm yourself with the proper knowledge and resources. Our water damage claim service aims to guide you through every twist and turn, ensuring you avoid common pitfalls that lead to underpaid or denied claims. From understanding the nuances of your insurance policy to leveraging the expertise of public adjusters, we’re here to ensure you’re well-equipped to secure the best possible settlement.

Emotions at Play

Anxiety: The dread established when water creates mayhem on your property can be paralyzing.
Sloth: The seemingly countless checklist of jobs– from filing reports to finding repair service services– can feel overwhelming.

Why Claims Get Denied

Insurance providers are not your pals but companies focused on their profits. They have many factors to refute your claim, from “pre-existing problems” to “improper maintenance.” And they’re professionals at discovering loopholes in your policy to avoid payouts.

Common Reasons for Denial

Absence of Maintenance: If you’ve overlooked routine upkeep, your case can be denied.
Inaccurate Filing: A fundamental blunder in your documents can cost you dearly.
Policy Exclusions: Check out the fine print; some damages might not be covered.

The Role of Public Adjusters

Public insurance adjusters are the unrecognized heroes of insurance coverage cases. They’re your advocates, defending your legal rights against the Goliath that is the insurance provider. With our comprehensive experience and strategic methods, we recognize the ins and outs of the system and how to get you the settlement you should have.

Your insurance company employs an adjuster to work on its behalf.  These adjusters are paid and trained by your insurance company, do they have your best interest in mind?  Insurance companies do not make any money paying claims, actually, the claims division is most likely their largest expense and therefore, the easiest place for them to increase their bottom line.

We are state-licensed Public Insurance Adjusters.  Greg Roover, the owner of Claim Concepts, brings experience working on both sides of the fence; being trained by the Big Insurance Companies he knows how they work, think, and act.  That’s right, he used to be an adjuster for the other side.  His experience working on both sides has helped many property owners achieve the claim settlement that they deserved.

You probably have enough to deal with right now. Our job includes the preparation of building damage estimates, contents inventory lists, and documenting your other losses. We handle all the tedious tasks of compiling, filing, and settling claims.

Damage in a bedroom caused by standing water at the floorboard
Photo of a wall with rot and water damage, including electrical components

Reasons to Consider Hiring a Public Adjuster:

Proficiency: We have the knowledge and skills to evaluate and optimize your insurance claim.
Tactical Method: Our team has established approaches to bargain with the insurance coverage business successfully.
Client-Centric: Claim Concepts prioritize your benefits as their sole emphasis.

Tips for Enhancing Your Claim:

Taking care of an insurance claim for water damage appears like a critical chess game with substantial consequences. Each decision holds importance.

Below are some standards to make wise steps:

To guarantee you’re ready to submit a water damage claim, ensure you maintain detailed records of all interactions with your insurance carrier, take pictures of the damages, and save all fixing expenses. It’s additionally an excellent concept to speak with experts such as plumbings, specialists, and public adjusters, as their know-how can be essential in browsing the complexities of your case.

Furthermore, utilize thermal imaging innovation to expose covert water damage and keep a detailed inventory of all harmed items, including their worth and problems. By being complete and prepared, you’ll be well on your method of obtaining the service you are entitled to from your insurance coverage supplier.

Rebuilding After The Water Damage

Do you know what it will take to get your property back to the pre-loss condition after suffering a water loss?  Did the water wick up your walls?  That’s right, it can and does soak up into your drywall like a sponge, eventually leading to mold growth.

The bottom line is after water damage, property owners often face enormous repair bills and obstacles that can lead to an even more significant loss. You don’t have to face your insurance company alone. Let Claim Concepts assist you in recovering the largest available settlement with the least hassle.

Looking for a Public Adjuster Near Me to help with water damage claims
All damages are not visible to the naked eye when dealing with a water damage claim. We utilize thermal imaging technology in order to properly and fully assist our clients with water damage claims.

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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.