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Looking for the best Water Damage Claims Adjuster to help with your water damage claim?

Water Damage Claims Public Adjuster utilizing thermal imaging to locate hidden water damage
Our Public Adjusters utilize thermal imaging technology to detect water damage which is not visible with the naked eye. We see what the other adjusters miss.

 

The Public Adjusters at Claim Concepts are Water Damage Claims Experts.  The President of Claim Concepts is also a Licensed Mold Assessor and has specialized training in Thermal Imaging which is extremely helpful in detecting the extent of water damage to a property.  As you will see in the photo above, this water damage was not visible by the naked eye.  We know how to navigate your claim to recover the maximum settlement available under your policy.
Complimentary Consultation with a Water Damage Claims Adjuster!

There are many causes of water damage claims, including Wind-Driven Rain, Hurricanes, Roof Leaks, Air Conditioning Leaks, broken pipes, Leaks around plumbing fixtures such as sinks and toilets, water sewer back-ups, washing machine or dishwasher malfunctions, flooding, and even broken fish tanks. If you currently have or have had water damage to your property, you most likely understand how destructive water can be.

Most people would assume that any water damage claim should be covered by their insurance company.  Unfortunately, that is not always the case.  We are State Licensed Public Insurance Adjusters and we know how to review your policy in search of coverage for your claim.  The way in which you present the claim to your insurance company could be the difference between getting paid or having the claim denied.

Emergency Service Water Extraction Companies

Be very cautious when engaging an Emergency Services Company.  Unfortunately, these companies do not have to be licensed in the same manner as Contractors and Adjusters which means they do not have any governing body watching over them.  Of course there are many reputable Emergency Service Companies out there but there are just as many that I would not consider to be reputable.  Many of the contracts these companies utilize will assign over the benefits of your policy to them.  Read everything carefully and do not sign a contract without knowing exactly what it is for and an amount, also be sure that you understand if the contract is for emergency services only or if they are including to build it back as well.  Remember, the claim may or may not be a covered loss and you may ultimately be on the hook for their bill.  Often times these companies will also offer to “represent you” through the claim and consider themselves to be “claim experts”, this is illegal as the only people that can truly represent you in regards to your claim are Public Adjusters and Attorneys.
Speak with a Water Damage Claims Public Adjuster

How can Public Adjuster help with Water Damage Claims?

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.  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.

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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.