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A deductible is a specific sum of money that you, the policyholder, must pay out-of-pocket for when your insurance policy contributes to any losses it covers. This amount essentially represents what you agree to self-insure in the event of a claim. When you file a claim with your insurance company for property damage, the deductible is deducted from the total claim amount. For example, if your deductible is $1,000 and your claim is for $5,000 in damages, your insurance company would pay $4,000 towards that claim, and you would be responsible for the $1,000 deductible. Thus youll receive a check for that 4.000$
We operate on a contingency basis, which means you pay absolutely nothing out of pocket. Our fee is simply 10% of your claim settlement, and we guarantee it will never exceed that rate.
Statistics show that involving us from the start of your property claim can potentially increase your settlement amount by 100-300%. However, if you find yourself dealing with an underpaid or denied claim, we're still here to assist. In such cases, our fee will only apply to any additional funds we secure for you through our expert negotiations.
Insurance companies consider several factors when determining premium adjustments, and one of those factors is your claims history. Insurance carriers' base premiums off of various factors, primarily risk, for example, tree branches covering your home indicates a higher risk of damaged property due to the potential of them falling during a windstorm. However, it's important to note that premium adjustments are not guaranteed after filing a claim. Insurance companies evaluate each situation on a case-by-case basis, taking into account factors such as the nature and severity of the claim, your overall claims history, and state regulations. In short, it is not like car insurance premiums. If your property is damaged, we encourage you to pursue a claim. We work with all insurance carriers, and we have many resources in the insurance industry to help you find sufficient coverage at an affordable premium.
Insurance carriers are not the enemy, but they are a business, and like any business they must protect their financial interests. This means cutting corners for repairs, underpaying, and denying claims. We represent you and your financial interests. By engaging the services of a reputable public adjusting firm like TBM Public Adjusters, you can have peace of mind knowing that professionals are working diligently to maximize your claim settlement and advocate for your best interests. We have the expertise to assess both visible and hidden damage, ensuring that no stone is left unturned during the inspection process. Furthermore, at TBM public adjusters we work tirelessly to maximize claim settlements on behalf of our clients. We possess an in-depth knowledge of insurance policies, industry standards, and local regulations, enabling us to accurately estimate repair costs and negotiate with insurance companies. Our goal is to ensure that you receive a fair and equitable settlement that covers the full extent of your damages.
At TBM Public Adjusters, we believe in integrity, honesty, and transparency. We always put our clients' needs first and strive to build long-term relationships based on trust and mutual respect. You will have a direct line of contact with one of our licensed public adjusters at any time. TBM public adjusters offer a comprehensive range of services to its clients. From initial claim filing to documentation, evaluation, negotiation, and settlement, we support our clients throughout the entire process, ensuring that no aspect of the claim is overlooked. Client Advocacy: TBM is dedicated to serving the best interests of our clients. We work solely on behalf of policyholders, not insurance companies, which means our focus is on maximizing the benefits for our clients. This commitment to client advocacy sets us apart from other public adjusting firms. In summary, TBM public adjusters stand out due to their expertise, personalized approach, negotiation skills, efficient service, comprehensive approach, and unwavering client advocacy.
Tyler started his career working for a startup insurance carrier. From Underwriting insurance policy's, learning th insurance claims process, as well as the sales process. Having seen the Inter-Mechanics of the industry, he possesses a deeper understanding of the workings of an insurance carrier, policy language, and the claims process. Providing our strategic movement for our clients' claims, we use irrefutable and in-depth knowledge of policy language and verbiage to make sure each client is paid correctly.
Prior to making any temporary or permanent repairs, survey your property and take photos and videos of damage caused by the storm. This is important as the insurance carrier may state they were unable to conduct an investigation of the damages and deny your claim due to prejudice if the damage is repaired prior to the insurance carrier’s inspection. Contact an experienced licensed public adjuster to review coverage and inspect any damage that may have occurred. Typically, when a public adjuster files the claim, it is immediately escalated to a senior level department, rather than the adjuster who started last week.
From filing your claim to negotiating with insurance companies, we've got you covered every step of the way. Our Services Include but are not limited to: ✓ Thorough property inspections, both visible and hidden damages ✓ Documentation of damage ✓ Accurate estimation of repair costs ✓ Expert claim preparation ✓ Skilled and strategic negotiation with insurance carrier adjusters, directly representing you and your interests until a fair and equitable settlement is achieved ✓ Maximizing your settlement. our clients achieve an average of 300% more from their insurance claim settlement when being represented by TBM Public Adjusters.
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