Disaster Readiness General Preparedness

1. Address your immediate questions and concerns about the loss.
2. Prioritize immediate and future needs re: housing, protection, etc.
3. Inform the insurance company of your loss/our representation.
4. Establish and maintain professional line of communication with insurance company adjuster.
5. Thoroughly research your policy and coverage.
6. Meet with the insurance adjuster to establish scope/extent of damages.
7. Complete precise, detailed repair and/or rebuild estimates.
8. Gather documentation and prepare all property inventories.
9. Prepare business interruption, loss of rents, additional living expenses, and replacement receipt documentation.
10. Present estimates, inventories, documentation to insurance adjuster.
11. Meet with insurance company to negotiate your claim, working for you, protecting your interests, to achieve a settlement which maximizes your coverage & is completely acceptable to.

" WHY DO I NEED A PUBLIC ADJUSTER"

When you notify the insurance company of your claim, the insurance company assigns one of their adjusters to evaluate the damage and look out for their interests. It is logical that you should have an adjuster of your own to take care of you and your interests. If you are like most people, you have not really read, nor do you fully understand your insurance policy provisions. You may not know everything to which you are rightfully entitled under the terms and provisions of your insurance policy. Douglas L. LaFaive & Associates understands your insurance policy completely, and we make sure that we ask for and that you receive, everything that you deserve and paid premiums for, from your insurance company. Just as you hire a professional when you have a medical, legal, or financial problem, so should you hire a professional who represents you, and you alone, when you have an insurance claim for property damage.

Your agent specializes in selling you the coverage that you want, but does not have the facilities, experience, time, or training needed or required to handle your claim. Insurance agents are not licensed or bonded as adjusters. We are.

The insurance company adjuster works for and is paid by the insurance company. Douglas L. LaFaive & Associates LLC  works for you, and you alone. We have no other interests other than yours. Our fee is simply a percentage of what you receive from the insurance company, so it is to our benefit to get you the best possible settlement. The same can not be said for the insurance company adjuster.

Douglas L. LaFaive & Associates LLC are professional adjusters who work on insurance claims everyday. We have the facilities, equipment, technology, communications systems, up-to-date information, resources, and industry contacts to reach the maximum recovery to which you are entitled. Attempting to adjust your own claim can be costly, time consuming, stressful, confusing, and very, very difficult.

Douglas L. LaFaive & Associates LLC receives a reasonable percentage strictly from the recovery that you receive, and only when you receive it. You pay nothing up front, and we charge no consultation fees. Historically, our fee has been more than covered by the additional monies recovered as a result of exposure of hidden damage, proper interpretation of the policy, carefully researched and documented estimates, and aggressive and experienced negotiation skills.

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