November 18, 2017

Durham Public Adjuster

NC Public Adjuster Fire Damage Property Claim

NC Public Adjuster Fire Damage Property Claim

Who’s Looking Out for YOU?

The insurance company’s adjuster’s income is received from your insurance company, so the insurance adjuster doesn’t have any real incentive to do much in depth investigation that could be crucial to the homeowners insurance claim. For the same reason that the IRS isn’t your first stop when you do your taxes, having a licensed Durham Public Adjuster on your side SHOULD be your first stop in NC homeowners damage claims process.  We are American Property Loss‘ local Durham Public Adjusters.

North Carolina property damage happens in far too many ways. Our state gets hit regularly with hurricanes. If there’s a hurricane, North Carolina usually seems to have a bullseye on it.  In addition to the hurricanes, catastrophic events in North Carolina are more than just hurricanes -and American Property Loss’ Durham Public Adjusters have handled all of them. Some North Carolina homeowners damage claims are a result of a single cause such as a house fire, yet other causes, as we recently witnessed as a result of Hurricane Irene in 2011, are more complex with hurricane damage combining flooding and wind damage.

Below are some causes of local NC damage claims and where American Property Loss Durham Public Adjusters will help you!

Perils, Property Loss Causes and local Durham Public Adjusters

A peril, as referred to in a homeowners policy, is a cause of North Carolina property loss, such as water or flood. An NC homeowners 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 insurance policy will expectedly handle it. American Property Loss’ local Durham Public Adjusters are experienced in working with all of these items and will more easily move you through the insurance claims process. We will go to bat for you to ensure that you get the full value for your covered NC property damage.

Durham Fire Damage Insurance Claims

Every year, thousands of NC covered properties are damaged by fire, soot or smoke damage. Fire, in its most common form, can result in a blaze, which has the potential to cause physical damage through burning. Fire losses can be a combination of fire damage and smoke damage. American Property Loss’ NC Durham Public Adjusters have been onsite with many local NC fire damage claims and helped insured owners to get an honest settlement from their homeowners insurance.

NC Public Adjusters - Hurricane Irene - Damaged Mobile Home in Oriental NC

NC Public Adjusters - Hurricane Irene - Damaged Mobile Home in Oriental NC

Durham Hurricane Damage Insurance Claims

Hurricanes for the most part leave whole areas and regions devastated with varying property damage ranging from roof damage to as severe as complete loss of property. A hurricane is a powerful tropical storm that can produce strong winds, overwhelming waves, torrential rains and floods. Our state is frequently ground zero for hurricanes as we saw with Hurricane Irene property damage claims in 2011. Our local NC Durham Public Adjusters have been onsite with many local NC hurricane property damage claims and helped the property owners to get a complete insurance settlement from the insurance company.

Durham Tornado Damage Insurance Claims

Tornadoes can occur in any state, with some tornado wind speeds regularly reaching 200+ miles per hour. As we saw with the tornado swarms on April 16, 2011 in Central North 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. Our North Carolina Durham Public Adjuster services handle many tornado damage claims.

Durham Lightning Damage Insurance Claims

Regularly the cause of fires or damage to home electronics and other parts of a house, 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. One lightning strike can fry all electrical components in a location as well as start a fire. NC is prone to heavy lightning damage during popup summer afternoon storms. Our local Durham Public Adjuster will examine your property to find all the insured property damage and get a complete insurance settlement from their insurance company.

Durham Flood Damage Insurance Claims

Damaging floods occur throughout the United States every year. Floods cause billions of dollars in flood damage in the United States every year. American Property Loss’ local NC Durham Public Adjuster services have reviewed many local NC flood claims and worked with insured owners to get a thorough and fair insurance settlement.

NC Public Adjusters - Water Damage Property Loss

NC Public Adjusters - Water Damage Property Loss

Durham Hail Damage Insurance Claims

Chunks of ice falling from the sky – right on your roof. Ugh. The larger the stones, the more harm they can cause. American Property Loss Durham Public Adjuster can review your hail damage with an experienced eye to to maximize your claim for the covered North Carolina hail property damage.

Durham Ice Damage Insurance Claims

Durham 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 Durham Public Adjuster service will help you to find all the affected property damage and get a thorough and fair insurance settlement from their homeowners insurance policy.

Read more at American Property Loss Public Adjusters

Find out more information at the NC Department of Insurance Disaster and Recovery

 

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