April 16, 2014

Public Adjuster Columbia SC

Contact local Columbia SC Public Adjusters for your SC property damage claim

Fire Damage - SC Public Adjuster

Fire Damage - SC Public Adjuster

Property damage occurs in a number of ways. South Carolina gets it’s fair share of hurricanes for sure. Besides the hurricanes, there are a number of other things that will cause SC property damage, and our Columbia SC Public Adjusters have worked with all of them. A lot of times, there will be just a single cause, like a home fire. Other times, as we saw with Hurricane Irene in 2011, you have hurricanes which involve wind damage and flood damage.

With a good Public Adjuster Columbia SC service at your side, you WILL get the best claim amount. Don’t be confused about what a Public Adjuster does though. We ARE all about getting you the full benefit of your homeowners insurance policy, but we’re not out to create a $100,000 claim from a $10,000 property damage loss. However, if your insurance claims adjuster pops out and decides that loss is an $8,000 loss in his view, and we know that it’s a $10,000 loss, we will do ALL the documentation to prove it and get you that extra money! Public Adjusters are regulated and licensed to properly and ethically represent your best interests – and that DOES include getting you the best value on your SC property damage claim.

As far as ethics, we are upfront and honest with our customers. There are times when the insurance claims adjuster is pretty close. SC Public Adjusters are paid as a percentage of your property damage claim settlement. If we look at your property damage claim and realize that it’s going to actually LOSE you money to get us involved in your claim, we’ll tell you up front. Now, if you really don’t want the headaches of going through the process alone, we’ll be glad to come on board with you and handle all the details and negotiations. But we want you to know ahead of time how it will end up affecting your SC property damage claim.

Who is representing you?

An insurance company’s claim adjuster’s paycheck is received from the insurance company, so the company adjuster has no specific reason to do a lot of behind the scenes inspection that could end up being detrimental to the damage claim. For the same reason one doesn’t hire the same legal representation as their spouse in a divorce, it brings better results to bring in your own advocate in any South Carolina homeowners claims process – and that would be American Property Loss’ Columbia Public Adjusters.

Below are some of the causes of local Columbia damage claims and where American Property Loss local Columbia Public Adjusters can help you!

Perils, Property Loss Causes and local Columbia SC Public Adjusters

A peril, as referred to in an insurance policy, is a cause of South Carolina property loss, such as fire or flood. An SC homeowners insurance policy normally provides coverage for the perils of fire, lightning, and extended coverage. Extended coverage includes coverage for the perils of windstorm, hail, explosion, riot, civil commotion, aircraft, vehicles, smoke, vandalism, malicious mischief, theft, and breakage of glass.

Learn more about each peril and how your homeowners coverage will likely handle it. Our local Columbia Public Adjuster services are familiar working with all these items and can more easily help you get through the homeowners claims process. Our local South Carolina Columbia Public Adjusters go to bat for you to make sure you get the full value for your covered South Carolina loss.

Fire Damage - SC Public Adjuster

Fire Damage - SC Public Adjuster

Columbia Fire Damage Insurance Claims

Annually, thousands of South Carolina insured properties experience fire, soot and smoke damage. Fire, in its most common form, can result in a blaze, which has the potential to cause major property damage. Fire losses can be a combination of fire damage and smoke damage. American Property Loss’ Columbia Public Adjusters have handled many South Carolina fire damage claims. Home fires can be devastating and our Public Adjuster Columbia SC services are skilled at finding ALL your losses, documenting them properly and getting you the money YOU need to start over again.

Columbia Hurricane Damage Insurance Claims

Hurricanes for the most part leave entire regions in chaos with varying property damage ranging from roof damage to as severe as complete loss of property. A hurricane is a very powerful storm that can produce violent winds, large waves, very heavy rains and floods. American Property Loss’ Columbia SC Public Adjusters have assessed many local SC hurricane damage claims and helped the property owners to receive an honest and thorough insurance settlement from the homeowners insurance.

Columbia Tornado Damage Insurance Claims

Violent storms that leave a swath of property damage and death behind them. Tornadoes occur most frequently in an area called “Tornado Alley,” a strip of land running from Texas South to Minnesota. However, tornadoes do occur in any state, with some tornado wind speeds frequently reaching 200+ miles per hour. As we saw with the tornado swarms on April 16, 2011 in Central South Carolina and more recently on Nov 16th, 2011 in Davidson and Randolph County, tornadoes do hit us – sometimes much harder than we expect – and leave a path of destruction. American Property Loss’ SC Public Adjuster services handle many tornado damage claims in the area.

Columbia Lightning Damage Insurance Claims

Regularly the cause of fires or damage to electronics and other parts of your home, lightning is caused when storm clouds cool below a certain temperature, and positive and negative electrical charges in the clouds’ water vapor separate from top to bottom. Just one close lightning strike can damage all electrical components in a location as well as start a fire. SC is prone to heavy lightning damage as a result of popup summer afternoon storms. American Property Loss local Columbia SC Public Adjusters will work with you to find all the covered property damages and receive a fair insurance settlement from their homeowners insurance.

Columbia Wildfire Damage Insurance Claims

A wildfire is an unplanned and uncontrolled fire that occurs in the areas where woods and homes overlap. These are not single home fires, but larger firestorms that can threaten multiple homes, and typically burn many acres of forest. Due to ongoing drought conditions in South Carolina, we are seeing a rise in these types of SC property damage claims.

Columbia Flood Damage Insurance Claims

Damaging flooding occurs throughout the U.S. every year. Floods cause billions of dollars in flood damage in the United States every year. Our Columbia SC Public Adjuster services have been onsite with many local SC flood claims and helped the property owners to get an honest insurance settlement.

Wind Damage - SC Public Adjuster

Wind Damage - SC Public Adjuster

Columbia Hail Damage Insurance Claims

Hail is the result of water droplets that freeze and fall to the ground as chunks of ice, also called stones. The larger the stones, the more harm they can cause to people and property. American Property Loss’ Columbia Public Adjusters can examine property damages with a knowledgeable eye to to maximize your claim for your covered Columbia hail property loss.

Columbia Ice Damage Insurance Claims

Ice damage can happen when water is blocked by an ice dam in downspouts or any other way that prevents water from draining from your rooftop. When temperatures goes back down, the water can refreeze and work back up into roof materials causing roof damage, indoor leaks, mold and mildew and more. Additionally, ice buildup can bring down tree limbs onto covered buildings, drop power lines and cause other property damage. In the Columbia area, covered properties are frequently covered by freezing rain that can build up on exposed surfaces and cause major problems! Our South Carolina Columbia Public Adjusters have reviewed many local SC ice damage claims and worked with insured owners to receive a thorough and fair settlement from their homeowners insurance policy.

Columbia Power Outage Damage Claims

Local SC power outages can occur in several ways — weather related, or not. If the power outage has occurred directly on your property – as opposed to widespread power outages, your homeowners insurance policy should cover you. Power outages can occur as a result of many reasons. Electrical short circuits, due to lightning strikes or a power overload, may interrupt electricity in the home. Water seeping onto electrical wires or into electrical outlets, or dropping tree limbs breaking power lines can also cause an outage. Food spoilage is an obvious type of insured loss due to an outage. Power outage claims can occasionally be tricky, but our experienced Columbia Public Adjusters will help you sort out your power outage damage claim. Our SC Columbia Public Adjusters can assess your power outage claim with a knowledgeable eye to get you fair value for their insured Columbia power outage property damages.

Columbia Vandalism/Other

Vandalism has different forms. One is graffiti, which could be in a form of written words or paintings made on the wall without the owner’s consent. Insurance policies also cover theft but there are a lot of limitations for such incidents. Vacant homes have different coverage and more limitations than those which are occupied. Vacant homes have higher probabilities of being vandalized or robbed. You should inform your insurance company when you are planning to vacate your house, so that you will be able to discuss your options. American Property Loss local SC Columbia Public Adjusters will help you to find all the covered property and receive a thorough and good settlement from their insurance company.

South Carolina Earthquake Damage Insurance Claims

An earthquake is a sudden, rapid shaking of the Earth that can cause damage to property from ground movement, fire, or even sprinkler leakage. South Carolina is not a hotspot for earthquakes.