Mission Public Adjusting is a full service public adjustment company. We can represent you with regard to all types of property losses covered under your insurance policy. We understand that undergoing a loss can be a stressful time in your life. It is our intention to relieve the "claim headache" portion of the stress for you - leaving you to manage the things that are most important in your life (like family and your business). First thing most home and business owners want to do is remove all damaged materials after a flood or fire. However, that is not always the smartest thing to do. Home and Business owners should be wary of tearing into dry wall, removing tile, contents, roofing material because, those materials can contain harmful materials. Generally, you can not tell if material has harmful contents or chemicals until the items are properly tested by professional companies.
Mission Public Adjusting representation consists of four key stages.
Determining policy coverage
We completely analyze your policy provisions and conditions to determine your rights and responsibilities, including the obligations of the insurance company. No stone is left unturned in this crucial step. During our initial meeting with you, we'll request a copy of your policy for review. If the policy has been destroyed in the loss, then we'll request true certified copy of your policy from your insurance company.
documentation of the claim
You are required to prove the full extent of loss and support the claim with appropriate documentation. If you look at your policy, it is the obligation of the homeowner to prove the loss to the insurance company. Mission Public Adjusting will provide a thorough documentation process including structural estimate, contents estimate and documentation, additional living expenses, loss of income and temporary repairs. Mission Public Adjusting will visit the loss to take pictures, document the loss and interact with estimators to make sure nothing is left behind. This function is important to help you recover maximum settlement. Your assistance will be most required during the contents review portion of the claim, but we have systems in place to make sure the process is as simple as possible for you- without leaving anything out.
Presentation of the Claim
After the full extent of the loss is determined and documented, the schedule of loss and damages is prepared, reviewed, and presented to the insurance company for negotiations.
Negotiation of settlement
Our expertise in the documentation and presentation of the claim gives us the ability to negotiate from a well-defined position, maximizing your settlement.
In Summary
Mission Public Adjusting will complete a detailed property damage scope and cost of recovery report for what is required to repair, restore , and rebuild your property.
Mission Public Adjusting will assist in the preparation of an inventory of your damaged personal or business property, contents, and all related items. A Mission Public Adjusting team member will evaluate and accurately prepare a decimated inventory with precise cost of every item.
Mission Public Adjusting will prepare you time element losses, such as additional living expenses, business interruption or loss of rents.
Mission Public Adjusting will establish a professional line of communication with the insurance company adjuster to make sure were provide timely filing of all required insurance forms and documentation.
Mission Public Adjusting will see the the insurance company adjuster face to face in order to adjust your claim daily and equitably; thus resulting in proper settlement for you.
Mission Public Adjusting will provide experts such as structural engineers , architects, contents restoration companies, licensed general contractors as needed to fully support and document the claim for maximum settlement.