Please find a step by step process of how we work for our clients
First meeting with our potential clients
1. Upon our first Meeting we will collect as many relevant documents from you as possible. This includes your daily diaries, all receipts, estimates for repair, clean up and rebuilding, etc. Bring all documents regarding conversations with the insurance company. If possible, try to get a complete copy of your policy – including all endorsements – from your insurance company. Even if you think you are not covered, or just have partial coverage, we may be able to help you.
2. One of our trained professionals will sit down with you and get an overall picture of your situation – how much have you lost, how you have been treated so far by your insurance company, and what you may be entitled to. Is the insurance company’s offer good enough?
3. If we think we can help you we will then propose several different plans and explain our fees. Claim Ally, like most licensed and professional Public Insurance Adjusting firms, work on a percentage fee basis of the total monies recovered. If you decide to use our services, we will then notify the insurance company and begin working for you.
Contacting the Insurance Company
1. Claim Ally will send a Designation of Representation form also known as designee letter or letter of representation citing specific state insurance codes which allows our firm to represent you.
2. We will make contact with the handling adjuster from the insurance company and get their perspective on the claim.
3. We will request any and all other documentation on the claim from the insurance company.
Review of Policy
1. We perform a comprehensive analysis of your policy
2. We will apply its’ coverages to your specific damages, so as to present your claim in a way that maximizes your recovery.
Review of Damages
1. We will go over the damages to your property
2. We will work with professionals to see if items can be repaired or if they need to be replaced
3. We will work on an independent analysis to be presented to insurance company
Review of Claim timelines and treatment of policyholder:
1. We will review timelines to make sure the insurance company is in compliance with the fair claim settlement practices in your state.
2. We will review letters and over all communication between the insurance company and our client
Review of Estimates and or Denials
1. We will review the estimates provided by the insurance company for errors and omissions in the scope of repairs.
2. We review any denials and see if they are truly fact based or simply opinions and can be refuted and ultimately overturned.
Prepared Estimates
1. We will prepare an estimate to include all items that were missed by the insurance company and should be addressed for payment
2. We will have an expert in that field along with another staff member review our estimate to find any additional items omitted
Prepared Rebuttals
1. We will prepare a rebuttal letter to all denials that we find baseless in their assertion for non coverage
2. We will have an expert in that field along with another staff member review our rebuttal letter to find any additional items omitted
Negotiations
1. Claim Ally will look to negotiate on behalf of their clients with the insurance company to get a fair settlement
2. Claim Ally will discuss the negotiations with their clients and explain the pros and cons of offers or lack their of from the insurance company
Quality Claims will take over the handling of your claim allowing you to get back to your normal life. We understand that handling your own claim can be time consuming and burdensome. Many insureds have taken leaves from work just to work on their claims with their carrier. We will gather and provide required documentation and will take over the primary communication with the carrier. We will strive to negotiate and settle your claim. Upon settling your claim and after the damage is repaired, we will pursue any available depreciation so that you receive the maximum amount allowed in your policy.
Settlements
1. Once an agreement is made with the insurance company. Claim Ally will explain the settlement to their client
2. With approval from the client settlement checks will be sent by the insurance company
3. Once check are received payment to contractors and vendors for work that was performed will be paid
Loss Drafts
1. Claim Ally will assist in working with their clients mortgage company to issue payments as repairs are being made to real property
2. Claim Ally will assist in communications with the bank
3. Claim will assist in scheduling inspections for mortgage company inspectors
Conclusion
1. Upon completion of repairs Claim Ally will assist in requesting any Recoverable Depreciation held back until final repairs are completed
2. We will request you grade us on our service
What You can Expect from Claim Ally Public Insurance Adjusters
Professionally Documented Claim Management
We completely and precisely record everything that the Insurance Company does or fails to do to solve your claim. It has actually been our experience that a well-documented claim file is far more likely to be paid than one that is documented incompletely.
Thoroughly Investigated Loss Claim
Claim Ally has the years of experience and understanding to correctly examine all possible damages, including all of the concealed damages that might not be apparent to the inexperienced eye.
Insurance Providers are infamous for performing careless and incomplete damage examinations, frequently engaging their chosen contractors to calculate your loss. A fast settlement of your claim that ignores much of your entitled damage resolution will only benefit your Insurance Provider. At Claim Ally we prepare a comprehensive digitally generated assessment of your structure damages, detailing every element of loss.
Qualified, Licensed Public Adjuster Professionals
You will receive professional, experienced insurance experts to document your loss claim
Determining the complete depth and scope of a damage loss claim always necessitates the use of experts, such that an accurately substantiated insurance loss claim is usually a claim that is paid fairly and completely. Claim Ally pulls from a broad group of staff and associate experts for many types of damage investigations may it be: Engineers, Architects, Industrial Hygienists, Cause & Origin Investigators, Forensic Accountants, Policy Coverage Experts as is needed.
Customer Communications
With Claim Ally and our group of experts, we communicate with our customers throughout the entire claim process.
We are committed to providing you with superior customer service. We make ourselves readily accessible to address all of your questions and concerns throughout the insurance claim process. We provide our clients copies of all claim communications, our personal cellular telephone numbers and we make it a priority to promptly return all telephone calls or E-mails.
Additional Living Expense (ALE) to Assist Your Family
Assist you and your family in finding suitable temporary housing and prepare your Additional Living Expense (ALE) loss claim for submission to your insurance provider. (residential)
We have many resources to assist your family in finding suitable temporary housing so that your family can maintain its’ regular and normal standard of living. We will precisely calculate your ALE claim for submission.
Business Income Loss Claim
Prepare and document your loss of business income claim (commercial).
We conduct an in-depth assessment of your business operations which takes into consideration all relative conditions and factors that influence your financial performance, so as to precisely project how well your business would’ve performed had it not been for your loss event. Our results have shown that we can get substantially larger insurance settlement claims than are normally settled by the Insurance Provider, mainly using an analysis of your financial records.
Precise Itemized Inventory
Prepare a precise item detailed inventory of damaged personal or business property.
Our staff takes great attention-to-detail care to determine an proper inventory of every item that was damaged and fully document the loss with digital photography and video documentation. We research and discover the complete cost to replace your property at current costs and produce our resource evidence to the Insurance Provider to document the value of your loss. Our way of doing business can be a lot more work, but we have discovered that it minimizes negotiating and gets the loss claim compensated much faster and most of the time at the complete value we have presented.
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