Residential & Commercial Claims

Water Damage

Do you Have Water Damage in Your Home or Business? Did you have a Water Damage Claim that was Denied or Settled for Less than you Deserved?

Our licensed public adjusters are experts at water Damage Claim Recovery. We ensure Maximum recovery on all water Damage Insurance Claims:

Picture yourself waking up or going to your place of business on any given morning only to notice that your floor is covered with 2 inches of water. How do you file your insurance claim? How do you make sure you are compensated for any loss of revenue? How can you make sure everything will be covered? How can you make sure that all of the water damage is repaired so that mold does not become an issue?

Tornado and Hail Claims

Understanding Tornado Damage Claims

As most homeowners can attest to, the family home is the single most valuable possession and typically the largest investment. When that home is damage by a tornado and resulting hail damage recovering the maximum amount of money needed to repair or replace the damaged property or business will certainly be the biggest challenge one could ever undertake. Understanding the insurance claim process or working with someone who does can make the difference of recovering what you should under your policy.

Fire and Smoke  Claims

The most important thing in a fire insurance claim is to make sure that everyone is safe and sound. Fires are extremely dangerous and destructive. In addition to the actual damage from the fire's flames, smoke damage is very dangerous and damaging. The resulting fire damage must be professionally evaluated by an experienced public adjuster. Kerby and Associates are here for you to guide you through your smoke or fire damage recovery to your home or commercial property / business.

Hail Claims

Understanding Hail Damage Claims

Don't be victimized in the adjustment and repair replacement process resulting from hail damage. It just makes good sense to have a public adjuster handle your hail damage claim to make sure you are properly compensated for your hail property loss. Filing a property insurance claim and successfully recovering your financial loss from hail damage can be quite challenging given the many insurance policy coverage issues that arise and the discretionary nature of the insurance adjusting process. Don't depend on the insurance company to tell you what they want to pay you. Many adjusters and the insurance companies they work for may have different adjusting standards outlined in their respective claim department manuals. If a hailstorm is severe enough, visible damages should be obvious and undisputed by the field adjuster inspecting the damages and thus coverage of the loss should be confirmed early on in the process. This is the easy part. Unfortunately, we get calls from policyholders who are offered partial repairs of roof and siding rather than proper replacement.

With many hail claims, there will be other issues you will face such as the scope of damages and the dollar amount your insurance adjuster says you are going to get paid given the insurance policy terms and conditions. Often, the assigned insurance adjuster's training, experience and knowledge of this type of adjustment process will play a very important part in how your claim is both valued and settled.

A common issue that arises is if you will be paid to replace the complete roof or if a patch job will be offered as a partial repair. The next question is if the insurance adjuster will apply depreciation to your roof and if so, is it fair and reasonable? While auguring over the scope of loss and price of the repair may seem like a good thing, (at least the insurance company acknowledges that you have a covered loss) there are many other cases where the insurance company will dispute that the damages were even caused by hail, claiming previous wear and tear. This is a common dodge that we see all over the country and this is where you may need the professional help of a public adjuster that will represent your best interests and be able to get technical with your insurers claims staff.

Remember, knowledge and information is power. Do you know the questions to ask as well as what you are entitled to in an insurance loss adjusting process from a hail event? If you have hail damage to a modified bitumen roof, a build up roof, sprayed polyurethane foam application, metal roof, cedar shake roof or any number of tile roofs, chances are you have recoverable damages as a result of a severe hail event in your community.

What To Do Next

Under these types of claims, you the insured are entitled to many compensations/recovery monies from your insurance company under your policy. In Oklahoma, Texas and Colorado, like everywhere else, the claims process is extremely complex and this makes your insurance company uncomfortable because with the right public adjuster, they are aware of that. Without the use of a public insurance claims adjuster, you will leave out many details in your recovery, big or small, that will tremendously hurt the recovery of your claim and what you are entitled to.

Call Kerby and Associates Today! Contact a public adjuster if you have a question or would like a free consultation about a property insurance claim. Or call (877) 252-4607!