BJ Claims Consulting Services
Every homeowner is grateful for property insurance after a hurricane, fire, flood or home robbery. However, it is wrong to assume that recouping your losses is a simple matter of filling out some forms.
When damages are significant, most homeowners find themselves in way over their heads. Complex insurance claims might require an advocate with years of training, up-to-date knowledge, accuracy and attention to detail.
Fortunately, there is a hassle-free, affordable solution we are here to provide that for you.
What we do
"We Balance The Power In The Insurance Industry, For Residential And Commercial Property Owners."
Our public adjusters are well educated in their industry. We have met all the licensing requirements, and continue to learn as well as adapt to the industry. We are well versed in home construction and are competent in a wide range of insurance sectors.
We are current on specific laws, filing requirements and time limitations in your state. We are familiar with local trends and practices.
We have a good reputation in the community and are respected by local insurance companies, contractors and clients.
Water Damage Claims
roof Damage claim
Roof Leak Claims
Storm Damage Claims
Fire Damage Claims
Our Various Claims Services Specialties
For some homeowners with catastrophic damage, the stress level of filing a thorough claim ranks right up there with divorce or job loss. At the very least, it is a nerve-racking hassle that is best left to the pros.
Getting claims settled can feel like a never-ending, time-sensitive blitz of paperwork. When it comes to deadlines, claims processors are not known for their flexibility or sense of humor.
Property insurance terms and limitations must be followed to the letter. Most claimants, especially those who have been displaced by extensive property damage, simply do not have the wherewithal to monitor the process. We do not have time to track progress and mind the fine print. Many do not even understand the fine print in the first place, and why should We? That is why services like ours exist.
Our adjusters will step in and deal with your insurance company on your behalf.
Insurance Claims Services
STORM DAMAGES
The first two are hired by insurance carriers. A company adjuster is an in-house employee. As for the “independent” adjuster, that term is a little misleading. Independent adjusters are consultants who work on their own, but We are still hired by insurance companies and act primarily on their behalf.
Both company adjusters and independent adjusters evaluate property damage and offer homeowners a settlement. We are not necessarily “the bad guys,” but We have the carrier’s best interests — rather than the homeowner’s — at heart. When it comes to getting everything you are entitled to, that is an important distinction.
Insurance companies, even respected ones, never voluntarily pay for damages beneath the surface that homeowners miss. Say, for example, that you need a roof replacement. If you overlook the cost of removing and hauling away the ruined roof, the claim adjuster hired by your insurer is not likely to bring it up.
Like all businesses, insurance companies are out to make a profit. Paying the minimal amount for damages is good for the bottom line. It also allows carriers to keep their rates competitive.
The burden of filing a claim that covers every allowable cost is on the policyholder. Few policyholders know that. A surprising number of them accept the insurance company’s initial, bare bones offer without realizing that We are entitled to much more under the terms of their policy and the law.
That is where public insurance adjusters come in.
The Claim and Reimbursement Process
In most states, claims must be filed within a year of a disaster. Since some damage is not readily apparent, time is of the essence. Contact us as soon as possible.
Here are typical next steps:
- We will arrange a meeting to evaluate the damage to your property and get a feel for the scope of repairs or rebuilding projects.
- We will draw up a contract that is detailed, transparent and easy to understand.
- We will thoroughly document the property damage with photographs and videos. We will help you gather all the required documents.
- We will calculate engineering and construction costs.
- You can trust us to prepare and submit a thorough, accurate, professional claim. Almost all policies allow time for reopening a settled claim, so we will continue to fight on your behalf if you discover additional damage.
- We can even assist with hiring designers, contractors and other professionals.
testimonials
What they say
I was working with a previous company for 5 months before coming across BJ Claims. I'm glad I found them. They resolved my claims process within 30 days.
Mikayla Harris - Homeowner
The team at BJ Claims really are full of experienced adjusters. They made the process really stress free. Definitely will work with them again in the future if in need.
Anna Morgan - Property Manager
Where to find us
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