CLAIMS MANAGEMENT SOLUTIONS
Peace of Mind Couldn't Be More Affordable
Reasons You Might Need a Public Adjuster:
1. Maximize Your Claim Payout
-
Insurance companies often offer lower initial settlements.
-
Public adjusters work to document all damages, including hidden or overlooked issues, to ensure you get the full amount you're entitled to.
2. Understanding Complex Policies
-
Insurance policies are full of legal and technical language.
-
A public adjuster knows how to interpret your coverage, exclusions, and conditions to avoid mistakes or missed opportunities.
3. Time and Stress Reduction
-
Handling a major claim can be overwhelming, especially after a disaster (fire, flood, storm, etc.).
-
A public adjuster takes over the time-consuming process, including documentation, inspections, and communication with the insurer.
4. Dispute Resolution
-
If the insurance company undervalues or denies your claim, a public adjuster can challenge their findings and provide expert support.
5. Commercial and High-Value Claims
-
In large or complicated claims (e.g., commercial properties, luxury homes), having a skilled negotiator ensures that no losses are missed or underpaid.
You could have damage in your home now, damage that could be covered.
Non-Storm Related Damage
Everyday brings new events and challenges in property ownership, not all of which are due to a storm. Filing a claim not covered by the terms under your policy, may result in a denied claim on record.. A Public Adjuster can offer essential assistance in managing your Homeowners Insurance requirements.
Storm Tracker
​
​
Monitor the latest movement of storms on radar.
Property insurance protects assets from events like fire and theft. Choosing the right coverage secures your property and offers peace of mind. Here is a brief summary of some of the coverages.
Various Types Of Coverages
You may be covered for more or less than you are aware of.
Homeowner Policy
-
Homeowner's insurance protects against property damage and liability for injuries on the premises. It covers home structure, personal belongings, and living expenses if displaced. Understanding coverage options is crucial for adequate protection.
Dwelling Policy
-
Dwelling insurance covers the physical structure of your home from risks like fire, and natural disasters. It provides financial compensation for repairs or rebuilding, including attached structures like garages. Understanding this insurance helps homeowners make informed coverage decisions.
Condominium Policy
-
Condominium insurance, or HO-6, protects owners risks. It covers personal property, liability, and some structural elements not included in the association's master policy. This insurance safeguards against damages from theft, fire, or water. Understanding coverage needs is crucial for condo owners.
Farm Policy
-
Farm owners insurance provides essential protection for agricultural properties against damage, liability claims, and income loss. It covers buildings, equipment, livestock, and personal property, ensuring farmers can sustain operations.
Commercial Policy
-
Commercial property owners insurance protects against risks related to property ownership. It covers damages to buildings, equipment, and inventory from events like theft or disasters, and includes liability for injuries on the property.
​
For both multi-unit property investors and individual homeowners.
Claims Management Solutions
We are merging the specialized claims adjusting functions with our claims management solutions. Strategic planning for property investors and owners. Levelling up efficiency.
- Biannual Inspection
- Investors forecast property values
- Damage Inspection Assessment
- Condition Documented Photos
- Documented Timeline
- Safety Evaluation
- Systematic File Organization
- Conflict Resolution
- Readily Accessible Data
​
Important
If your mortgage company or your mortgage servicer changes, you must inform the new entity of your current insurance to avoid coverage lapses, which can lead to payment issues, delayed claims, or forced-placed insurance. Send a copy of your insurance policy's declaration page and your loan number to the new servicer, confirming they have all the necessary information to update your escrow account and properly manage your payments and coverage.
Services listed on this page will be directed to our affiliate partner and are governed by their terms and conditions. The content provided is not legal advice but represents the professional opinion of a NJ Public Adjuster. Those seeking complimentary Loss Coverage Overview must meet certain qualifications, including availability and the service area. John Martino Public Adjuster may decline services for clients beyond a a certain radius, which may be extended at his discretion. Any virtual Loss Coverage Overview may be available per adjuster's discretion.