Ask the Experts: Public Insurance Adjuster California

Author
Posted on

June 18, 2024

Categories

,

Ask the Experts: Public Insurance Adjuster California

Ask The Experts Los Angeles is broadcast live Tuesdays at 5PM ET. Music on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Ask the Experts Los Angeles is viewed on Talk 4 TV (www.talk4tv.com).

Ask The Experts Los Angeles Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Ask the Experts: Public Insurance Adjuster

Author
Posted on

June 12, 2024

Categories

,

Ask the Experts: Public Insurance Adjuster

Ask The Experts Los Angeles is broadcast live Tuesdays at 5PM ET. Ask The Experts Los Angeles TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Ask The Experts Los Angeles Radio Show is broadcast on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com).

Ask The Experts Los Angeles Podcast is also available on Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Ask the Experts: Public Insurance Adjuster Tax Resolution

Author
Posted on

June 12, 2024

Categories

,

Ask the Experts: Public Insurance Adjuster Tax Resolution

Ask The Experts Houston is broadcast live Fridays at 2PM ET.

Ask The Experts Houston TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Ask The Experts Houston Radio Show is broadcast on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com).

Ask The Experts Houston Podcast is also available on Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Ask the Experts: Negotiating With the IRS Hiring a Public Insurance Adjuster

Author
Posted on

June 12, 2024

Categories

,

Ask the Experts: Negotiating With the IRS Hiring a Public Insurance Adjuster

Unfiled federal taxes and dealing with the IRS working with a Public Insurance Adjuster

Ask The Experts Los Angeles is broadcast live on Tuesdays at 5 PM ET.

Ask The Experts Los Angeles TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Ask The Experts Los Angeles Radio Show is broadcast on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com).

Ask The Experts Los Angeles Podcast is also available on Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Ask the Experts: Stop Snoring Techniques

Author
Posted on

June 12, 2024

Categories

,

Ask the Experts: Stop Snoring Techniques

How to quit snoring get more money for your Home Insurance Claim

Ask The Experts Dallas is broadcast live on Wednesdays at 5 PM ET.

Ask The Experts Dallas TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Ask The Experts Dallas Radio Show is broadcast on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com).

Ask The Experts Dallas Podcast is also available on Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Uniform Appearance

Posted on

March 27, 2024

Categories

,

Uniform Appearance

Uniform Appearance

Uniform appearance is always a topic of concern in our industry. Did the insurance company pay for some of your flooring but not all of it? Did they replace some of your cabinets but not all of them? The term uniform appearance is so widely used. Below you will see the language from the California Department of Insurance.

Section 2695.9. Additional Standards Applicable to First Party Residential and Commercial Property Insurance Policies

(a) When a residential or commercial property insurance policy provides for the adjustment and settlement of first party losses based on replacement cost, the following standards apply:

(1) When a loss requires repair or replacement of an item or part, any consequential physical damage incurred in making the repair or replacement not otherwise excluded by the policy shall be included in the loss. The insured shall not have to pay for depreciation nor any other cost except for the applicable deductible.

(2) When a loss requires replacement of items and the replaced items do not match in quality, color or size, the insurer shall replace all items in the damaged area so as to conform to a reasonably uniform appearance.

The real explanation behind this is, technically your insurance policy only pays for that ONE damaged tile, or that ONE bank of cabinets. The DOI (department of insurance) comes in and provides the uniform appearance language which is why you can make the argument to replace all the cabinets or flooring “as to conform to a reasonably uniform appearance.”.

Podcast: How to Not Get Wrecked by Insurance Companies

Author
Posted on

March 10, 2024

Categories

,

Podcast: How to Not Get Wrecked by Insurance Companies

Podcast: How to Not Get Wrecked by Insurance Companies

Episode 163

Have you ever felt shortchanged by an insurance claim on your property? You are not alone! Joining Mike and Dan today on Collecting Keys Podcast is David Melzer, a public insurance adjuster with expertise in advocating for property owners as they battle insurance companies for a better payout. He explains the role of public adjusters and the complexities of insurance claims, including why many insurance companies give lowball estimates and mistakes policy holders make when dealing with insurance companies.

Get More for Your Claims With an Expert

Author
Posted on

March 6, 2024

Categories

,

Get More for Your Claims With an Expert

Ask The Experts Los Angeles is broadcast live Tuesdays at 5PM ET. Ask The Experts Los Angeles TV Show is viewed on Talk 4 TV (www.talk4tv.com).

Ask The Experts Los Angeles Radio Show is broadcast on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com).

Ask The Experts Los Angeles Podcast is also available on Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

What We Do For You

Author
Posted on

February 27, 2024

Categories

,

What We Do For You

Navigating Your Insurance Claims With Expertise

Navigating Your Insurance Claims With Expertise

Welcome to Property Claims Consultant’s array of services. Facing property damage? Our team at PCC, renowned public insurance adjusters, are your specialists in managing the complexities of insurance claims in California, Phoenix, Nevada, and Washington. 

1. Comprehensive Property Damage Assessment:

Post-disasters like wildfires, severe storms, or floods, accurate damage assessment is key. Our expertise lies in detailed evaluations of property damage, ensuring thorough coverage of all damage aspects:

  • Structural Damage Evaluation: We conduct in-depth inspections of your property’s structural integrity, from foundations to roofs, crucial for property owners post-disaster.
  • Personal Property and Contents Analysis: Assessing damage to personal items is vital. We catalog everything from electronics to personal belongings, crucial for an accurate insurance claim.
  • Environmental Hazard Testing: Post fires or chemical incidents, we perform essential environmental tests for substances like asbestos or mold, prioritizing your health and property safety.
  • Loss of Use Estimation: For uninhabitable properties, we calculate your entitled additional living expenses covered by your insurance.
  • Building Code Compliance Checks: Adhering to current building codes is crucial. We inspect and advise on necessary upgrades or repairs post-damage.

2. Clarifying Your Insurance Policy

Insurance documents can be complex. Our skilled team demystifies your policy, clarifying your coverage and rights.

3. Efficient Insurance Claim Paperwork Management

Handling insurance paperwork in California can be overwhelming. We take charge of the documentation, from preparation to accuracy, streamlining your claim process.

4. Assertive Negotiation on Your Behalf with Insurers

  • Advocacy for Fair Compensation: As your public adjusters, we fiercely negotiate with insurance companies, ensuring you receive your rightful compensation.
  • Experienced Negotiation Tactics: With deep industry insight, our team expertly counters insurance company tactics.
  • Maximizing Your Settlement: We aim to secure settlements that reflect the true value of your claim, considering every loss aspect.
  • Transparent Communication: Keeping you informed at every step, we value transparency in the insurance negotiation process.
  • Contingency-Based Service: Aligning with your interests, we only receive payment upon successful settlement of your claim.

5. Providing Peace of Mind During Your Insurance Claim

  • Managing your claim relieves stress, especially in challenging times. We ensure your peace of mind, knowing your insurance claim is handled by professionals.
  • When to Seek Our Services
  • Unsure about your insurance coverage specifics.
  • Facing extensive, complex property damage.
  • Preferring not to manage the time-intensive claim process.
  • Believing your insurance offer is insufficient.

Our Dedication to You

As your public insurance adjusters, our commitment is to guide you with expertise and professionalism through the insurance claim process. We focus on achieving the best outcome for your claim, allowing you to concentrate on recovery and rebuilding.

Reach out for Assistance

Facing a property damage claim and need expert help? Contact us at Property Claims Consultant. We’re your dedicated partners, ready to navigate these challenging times with our specialized knowledge and services.

Contact us today for a free consultation!