HPA

Services

As you may know, at the time of any loss, the insurance carrier immediately appoints an adjuster to act on their behalf; behind the scenes there is a team of people in place to help minimize losses. In recent years, it has become necessary for the policy holder to have professional representation, as much as the insurance carrier.  As well policies are becoming more individualized and sophisticated in an effort to keep abreast with the maturity of the American business community.

A difference in interpretation of the policy may represent a far greater collectability, or loss value, than an insured may be fully aware of at the initial point of appraising the loss.  It is clear that the original presentation of a claim influences the final settlement, and is most often the basis of the final offer. A claim  must be properly documented, prepared, and presented.

A detailed analysis of inventory loss to personal property, and scope of damage to the structure along with carefully calculated loss of rents, wages and or additional living expenses, must be prepared.

Hartley Public Adjusters is  service for businesses, homeowners, and contractors.

Home Owners Hartley Public Adjusters is typically retained by homeowners to assist with large partial losses. We heavily document losses with photos, complete proof of loss forms, personal property inventories, loss of rents, and document additional living expenses, and prepare detailed line item estimates using sophisticated estimating software, All of this along with our offices insight and resources of 15 years, including architects, engineers, contractors, personal property experts and attorneys are in place to maximize scope of damages to get insured’s every penny they are entitled to.

Business owners have been using Public Adjuster Services for years as a way to keep their business afloat after a loss. As a small business owner we know how hectic things can be running a company. which is why  Hartley Public Adjusters is so valuble to business owneres after a loss.  So you can get back to your business we take care of the rest assuring you peace of mind and making sure your loss does not effect your bottom line. By heavily document losses with photos, complete proof of loss forms, business personal  property inventories, loss of rents, and documenting loss of use and business interruption , as well as prepare detailed line item estimates using sophisticated estimating software, All of this along with our offices insight and resources of 15 years, including architects, engineers, contractors, personal property experts, accountants  and attorneys are in place to maximize scope of damages to get insured’s every penny they are entitled to.

Contractors have found that by getting 3rd party opinions from Hartley Public Adjusters in determining scope of damages they can better help their customers get the correct amount of monies so that shortcuts are not taken to get homes and buildings back to where their customers were prior to the loss. We have also been recommended by many contractors to their clients as Appraisers for losses in which contractors can not agree with insurance companies to the amount or extent of a loss.

HPA looks forward to the opportunity to meet with you, and any principals who are responsible of the adjustment of your loss. We encourage you to contact us to speak about your loss no matter how big or small it may seem, phone calls are free, making a mistake on your claim can be very costly.

Pre Loss Assessments Now (PLAN)

Hartley Public Adjusters has noticed in light of recent economic down turns that people are buying up properties for far less that what those properties may actually be worth, we say good for the buyers, but because of this HPA has noticed a stronger need for a Pre Loss Assessments Now or a P.L.A.N before anything happens to that dream home purchased for penny’s on the dollar. The problem is that many people are buying these homes and insuring them for what they paid for them. We say BAD, really bad. In actuality if something happens to that dream home it may only be insured for what you purchased it for not for what it would really take to rebuild the property to as good as it was before.

The solution is a PLAN, plan ahead, call HPA for a free consultation, we will set up a time to come out and actually evaluate your property and current policy, this will allow you to have a complete computerized model of your home from basement to roof. This will allow you to precisely insure your home, so you don’t pay for more than you actually need and so you can rest assured you have enough coverage.

In case something does happen to your home you will already have all documentaion needed to prove any loss, showing what was there, know exactly what needs to be fixed, and how much it will cost to fix it. This will eliminate the top 3 complaints against insurance companies.

1. Delays – there wont be any delays, you will have HPA by your side first of all, and you will have all documents in place prior to any loss ever happening.

2. Low Settlement Amounts – There will be no low ball offers because you will once again have HPA in your corner but you will also already know what any piece, portion, or entire home cost to put it back the way it was.

3. Denials – flat out denials are very common. denials come often from uncertainty, if you have a brand new crack down the side of your home caused by a tornado for example it could easily be denied and called settling and there is not a thing that can be done about it, unless you have documentation showing that there was never any cracks there previously, and that only after a tornado came close to flattening your home, cracks appeared.  That can painlessly prove that cracks were caused by a tornado opposed to hiring expensive engineers who may not be able to get it right.