Freedom Public Adjusters
Getting insurance benefits after a property loss is easier said than done.
Loss Estimate
We send a professional estimator to every property location to provide a world-class estimate of your loss. Our knowledge of construction, building code requirements, and damage assessment enable us to provide a comprehensive and defensible estimations of your property loss. Without a robust and sound estimate of damages such as those provided by Freedom PA Group, you are unlikely to be properly compensated for the true scope of loss. .
Claim Management
Once we prepare a loss estimate for your property, we submit this claim to your insurance carrier, requesting compensation for your damages. We represent your interests in all of our interactions with the carrer. If there is a disagreement as to the amount of our estimate and the settlement offered by the carrier, we continue to pursue your claim through the mediation and appraisal process. In the unlikely event that your claim is still unresolved and goes to litigation, we will work alongside your attorney to defend your claim.
Pre-Loss Consultation
If you are a real estate investor or commercial property owner, we provide proactive consultation to expedite future claims. Our goal for the pre-loss consultation is to minimize the risk of the carrier decreasing, delaying, or denying your future claims by ensuring your property meets applicable building code requirements.
Initial Loss Estimate
When you believe your property may have suffered casualty or loss during an extreme weather event, you should call us. We can help you avoid many pitfalls that hamper prompt and complete payment of claims.
We will send a certified professional estimator to the property to build a claim for you that accurately represents the loss. Your estimator will conduct a thorough examination, including the roof, structures, interiors, and inventory.
Based on photographic documentation and a comprehensive survey of the loss, our estimators prepare a monetary estimate using industry-standard Xactimate Software.
The detail and quality of our loss estimate process distinguishes us from our competitors and provides a claim estimate that will stand up to scrutiny throughout the claim process. For more detail, see "Overview of the Claim Process," below.
Active Claim Management
Sometimes the insurance carrier responds to a claim by issuring a prompt and complete payment. That is the best case scenario.
However, sometimes the loss amount or coverage is disputed by the carrier. That is when you truly need an advocate by your side to usher your claim through the byzantine claims handling process, with all of the paperwork and deadlines that entails.
Our claims management process helps expedite the settlement by ensuring competent, thorough, and diligent representation of your claim from the get go.
We manage all interactions with the insurance carrier relating to your claim, reporting back to you whenever there is a material update or settlement offer.
Our professionals keep the process moving forward until there is a satisfactory resolution of your claim.
Pre-Loss Risk Assessment
Some losses are denied coverage because of pre-existing conditions. For commercial property owners, business interruption following an extreme weather event can be costly, and may even lead to bankruptcy if insurance settlements are protracted through litigation around coverage disputes.
Help expedite the claim process by preparing in advance. Freedom P.A. Group. offers a signature Claim Denial Prevention Program that helps manage the risk of coverage disputes.
We will perform a confidential pre-loss consultation to identify these risks based on a site inspection as well as a review of your insurance policy.
Contact us about becoming a client in our Claim Denial Prevention Program. Participating insureds receive a rebate on our Public Adjuster fees in the event that our firm is retained to represent you on a subsequent claim.
Our Process
FILE
INSPECT
COLLECT
