Commercial Property Archives - Page 2 of 4

Why Insurance Companies Deny Legitimate Insurance Claims

A H Neaman on January 8, 2025

Filing an insurance claim after a disaster or property damage should be a straightforward process, but for many homeowners and business owners, it can quickly turn into a frustrating battle. Insurance companies are in the business of minimizing their payouts, and even legitimate insurance claims can sometimes be denied. If you find yourself in this unfortunate situation, it’s important to understand why insurers deny claims and how you can fight back to ensure you receive the compensation you deserve.

At A H Neaman Company, we are experienced public adjusters in Pennsylvania, West Virginia, and Maryland, and we specialize in helping policyholders navigate denied claims. In this blog post, we’ll explain the common reasons insurance companies deny legitimate claims and offer tips on how to effectively challenge those denials.

Common Reasons Insurance Companies Deny Claims

While it may seem unfair, insurance companies often find ways to deny claims, even when they are legitimate. Below are some common reasons for denial:

1. Policy Exclusions

Insurance policies contain specific exclusions that outline the types of damage or events that are not covered. For example, some policies may exclude damage caused by flooding or certain types of natural disasters. If the cause of damage falls under one of these exclusions, an insurer may deny your claim outright.

How to Fight Back:
Review your insurance policy carefully to ensure that the damage you’re claiming isn’t explicitly excluded. If your damage falls within the policy’s coverage, but the insurer claims it’s excluded, you may need to hire a public adjuster to help interpret the policy and present a more compelling case to the insurance company.

2. Insufficient Documentation

Insurance companies rely heavily on documentation to determine the extent of the damage and the corresponding payout. If you fail to provide enough evidence or the right kind of documentation, your insurer may deny your claim, citing a lack of proof.

How to Fight Back:
To ensure you have strong documentation, take clear photographs and videos of the damage. Collect repair estimates from professionals, maintain an updated inventory of property, and keep all receipts and records of your possessions. If your claim is denied due to insufficient documentation, a public adjuster can assist in gathering and presenting the necessary proof.

3. Failure to Meet Deadlines

Every insurance policy has a timeline in which a claim must be filed after the damage occurs. If you miss this deadline, even by a small amount, the insurance company may deny your claim, citing a violation of the policy’s terms.

How to Fight Back:
It’s essential to be aware of the deadlines specified in your policy and file your claim as quickly as possible. If your claim is denied because of a missed deadline, your public adjuster can investigate whether the insurer has improperly applied the deadline or if there were extenuating circumstances that delayed your claim.

4. Claiming Damage from Pre-existing Conditions

Insurance companies may deny claims if they believe the damage was caused by a pre-existing condition or lack of maintenance. For example, if your roof is old and you claim storm damage, the insurer may argue that the roof’s age or poor maintenance was the real cause of the damage, not the storm itself.

How to Fight Back:
In these cases, it’s crucial to demonstrate that the damage was caused by a specific event (such as a storm, fire, or theft) and not a pre-existing issue. A public adjuster can help gather independent assessments from contractors or specialists to establish the actual cause of the damage and provide you with a better chance of winning your claim.

5. Underinsurance

Sometimes, insurers deny claims because the coverage is not enough to fully cover the damage. If you have a policy with a low coverage limit or one that doesn’t properly reflect the value of your property, your insurer may deny or reduce your claim amount, stating that it exceeds the policy’s limits.

How to Fight Back:
If you suspect underinsurance, it’s important to have a public adjuster review your policy and the damages. Public adjusters are skilled at assessing property values and ensuring that the policy limits are adequate. If the insurance company has underpaid or undervalued your claim, your public adjuster can help negotiate a fair settlement or even file an appeal.

Steps to Take When Your Claim Is Denied

If your insurance claim is denied, it’s important not to accept the denial without further investigation. Follow these steps to fight back:

1. Request a Detailed Explanation

When an insurance company denies a claim, it is legally required to provide a written explanation outlining the reasons for the denial. Make sure you fully understand the reasons before taking further action. If the reason for denial is unclear, ask for clarification.

2. Review Your Policy

Re-read your insurance policy to ensure that the damage is covered. Understand any exclusions, limits, or conditions that might affect your claim. If necessary, seek help from an experienced public adjuster to interpret complex policy language.

3. Gather Additional Documentation

If your claim was denied due to insufficient documentation, gather more evidence, such as photographs, repair estimates, and expert assessments. This is crucial for building a stronger case. A public adjuster can help identify any gaps in your documentation and assist in collecting additional proof.

4. File an Appeal

If your insurance company refuses to pay out or denies your claim outright, you have the right to appeal the decision. This process involves submitting a formal appeal letter and presenting your case to the insurer with additional evidence. A public adjuster can help you craft a compelling appeal.

5. Consider Legal Action

If your appeal is unsuccessful, you may want to consider taking legal action. Some cases may require litigation, especially if bad faith is suspected. Working with a lawyer who specializes in insurance disputes can help you navigate this process.

How a Public Adjuster Can Help

Fighting a denied insurance claim can be overwhelming, but a public adjuster can help level the playing field. A public adjuster is an independent, licensed professional who works on your behalf, not the insurance company’s. They assist in interpreting your policy, gathering evidence, and negotiating with your insurer. In Pennsylvania, West Virginia, and Maryland, A H Neaman Company has a proven track record of successfully helping clients fight denied claims and secure the compensation they deserve.

Our team of experienced public adjusters understands the nuances of insurance policies and the tactics that insurance companies use to deny legitimate claims. We work with homeowners and business owners to ensure that their claims are handled professionally and fairly.

Conclusion

Dealing with a denied insurance claim can be frustrating and confusing, but you don’t have to face it alone. If your insurance company has denied your claim, consider consulting with a public adjuster to review your case and fight for the compensation you deserve. At A H Neaman Company, we specialize in advocating for policyholders in Pennsylvania, West Virginia, and Maryland. Let us help you navigate the claims process and ensure that your legitimate claim is paid out in full. Contact us today for a consultation and start fighting back against unjust claim denials.

Documentation in Commercial Property Claims

A H Neaman on January 6, 2025

When it comes to commercial property claims, proper documentation can make the difference between receiving a fair payout and having your claim undervalued or denied. Whether your business is dealing with fire, storm, water damage, or theft, having the right paperwork and evidence to support your claim is crucial to ensure that you are compensated fairly. At A H Neaman Company, we understand the importance of documentation, and as experienced public adjusters in Pennsylvania, West Virginia, and Maryland, we help business owners navigate the complex insurance claims process to ensure they get the compensation they deserve.

Why Documentation is Critical in Commercial Property Claims

Insurance companies rely on the information you provide to assess the damages and determine the payout. If your documentation is incomplete or insufficient, your insurer may undervalue your claim or even deny it altogether. Having comprehensive and accurate documentation is essential for several reasons:

Proves the Extent of Damage
Without solid evidence, insurance companies may be reluctant to approve your claim. Thorough documentation helps prove the full extent of the damage, allowing your insurer to assess the claim more accurately. This includes photographs, videos, and written reports that detail the damages, the area affected, and the impact on your business operations.
Supports Your Loss of Income Claim
If your commercial property was damaged to the point where you couldn’t operate, you may be eligible for compensation under business interruption coverage. Detailed documentation of the damage, the length of downtime, and how it has affected your revenue is critical in securing this type of claim. Your insurer will need evidence to verify the losses and calculate the compensation accurately.
Helps You Meet Insurance Requirements
Insurance policies often include specific requirements for submitting claims. Failing to meet these guidelines could result in claim delays or denials. Proper documentation ensures that your claim is in line with your policy’s terms and conditions, giving you the best chance at a fair settlement.
Facilitates Negotiations
The claims process can be challenging, especially when dealing with large losses or complex damage. If your insurance company offers a settlement that is too low, having proper documentation helps you negotiate for a more accurate payout. With a well-documented claim, you can present your case more effectively to the insurer or to a public adjuster.

Key Documentation for Commercial Property Claims

There are several types of documentation that business owners should gather in the event of a commercial property insurance claim. These include:

Photographic and Video Evidence
Take clear, high-quality photos and videos of all the damage. Capture wide shots to show the overall impact, as well as close-ups of specific damages. This can include broken windows, fire damage, waterlogged areas, or structural issues. Don’t forget to record any contents that were damaged, such as equipment, inventory, or furniture.
Damage Assessments and Repair Estimates
Obtain professional assessments from contractors or specialists who can evaluate the damage. This may include structural engineers, electricians, or HVAC technicians who can determine the severity of the damage and provide estimates for repairs. These estimates should be thorough and detailed, reflecting both the costs of repairs and any necessary materials.
Inventory Lists
For businesses with significant inventory, it’s important to maintain an updated inventory list. Include details such as product descriptions, quantities, and values. In the event of damage or theft, this list can help you substantiate your claim for lost goods.
Receipts and Purchase Records
Provide proof of ownership for items that were damaged or destroyed. Receipts, invoices, and purchase records will help demonstrate the value of these items and support your claim for replacement costs. For businesses that have undergone renovations or purchased new equipment recently, receipts will be essential to show the most current value of the property.
Business Financial Records
To support a business interruption claim, you may need to provide financial records such as profit and loss statements, tax returns, and bank statements. These documents help establish the impact of the damage on your income and can be crucial in calculating your loss of earnings.
Insurance Policy Documents
Keep a copy of your insurance policy in a safe, accessible location. This should include all endorsements, amendments, and clauses that are specific to your coverage. Familiarizing yourself with your policy beforehand can help you understand the coverage limits and exclusions, ensuring you don’t miss out on compensation for certain types of damages.

The Role of a Public Adjuster in Documentation and Claims

While preparing documentation is essential, it can be overwhelming, especially if you’re dealing with large-scale damage to your commercial property. This is where a public adjuster comes in. Public adjusters are licensed professionals who advocate for policyholders throughout the claims process. They play an important role in ensuring that your documentation is thorough, accurate, and in line with insurance company requirements.

At A H Neaman Company, we help business owners in Pennsylvania, West Virginia, and Maryland maximize their insurance claims by providing expert assistance with documentation, damage assessments, and negotiations with insurers. Here’s how a public adjuster can assist with your commercial property claim:

Help with Documentation Gathering
Public adjusters understand the documentation requirements for insurance claims. They can guide you in collecting the necessary evidence to prove your claim and ensure you don’t overlook anything critical.
Provide Expert Damage Assessments
Public adjusters have experience working with contractors and appraisers to assess the true extent of property damage. Their expertise helps ensure that the damage is properly documented and valued.
Negotiate on Your Behalf
Once your documentation is in order, a public adjuster will help you present it to your insurer and negotiate for a fair settlement. They work to maximize your claim and ensure that the payout reflects the full extent of the damages.
Handle Disputes
If your insurance company disputes your claim or offers an unfair settlement, a public adjuster can step in to fight for your best interests. They’ll use the documentation you’ve provided to push back against lowball offers and ensure a fair payout.

Conclusion

When dealing with a commercial property insurance claim, documentation is the key to a successful outcome. Thorough, accurate records not only help prove the extent of the damage but also support your claim for business interruption and other expenses. Working with a public adjuster in Pennsylvania, West Virginia, and Maryland ensures that your documentation is complete and your claim is handled professionally.

At A H Neaman Company, we are committed to helping business owners navigate the insurance claims process. If you need assistance with documenting your damages or filing a commercial property claim, contact us today. Let us help you get the compensation you deserve.

Filing a Successful Business Property Insurance Claim

A H Neaman on December 30, 2024

As a business owner, you understand the importance of safeguarding your property against unforeseen events such as fires, storms, or theft. Business property insurance is essential for protecting your livelihood, but when disaster strikes, filing a claim can be a complex and stressful process. Mistakes in documentation, underestimating damages, or miscommunication with your insurer can lead to delays or even denial of your claim.

At A H Neaman Company, a trusted public adjuster serving Pennsylvania, West Virginia, and Maryland, we help businesses navigate the insurance claims process to secure fair compensation. Here are expert tips to ensure your business property insurance claim is successful.

1. Understand Your Insurance Policy

The foundation of a successful claim is a thorough understanding of your insurance policy. Policies vary, so it’s important to know:

Coverage Limits: The maximum amount your insurer will pay for damages.
Deductibles: The out-of-pocket costs you’re responsible for before insurance kicks in.
Covered Perils: Events such as fires, storms, or vandalism that your policy explicitly covers.
Exclusions: Situations or damages your policy does not cover, such as flooding without a separate flood insurance policy.

By reviewing your policy, you can avoid misunderstandings that might hinder your claim.

2. Document the Damage Immediately

Time is of the essence when documenting damage. After ensuring the safety of your employees and securing your property, take the following steps:

Photograph Everything: Capture clear images of damaged areas, equipment, and inventory.
Video Evidence: Record video walkthroughs of your property to provide additional context.
Create a Detailed Inventory: List all damaged or lost items, including their value and purchase dates.

These records will serve as essential evidence when filing your claim.

3. Notify Your Insurance Company Promptly

Inform your insurance provider as soon as possible after the damage occurs. Delays in reporting a claim could result in complications or denial. Provide a brief overview of the damage and confirm your next steps with your insurer.

4. Secure Your Property

Insurance policies often require policyholders to mitigate further damage after an incident. For example, if a storm damages your roof, cover the exposed areas with a tarp to prevent additional water damage. Keep all receipts for temporary repairs or security measures, as these expenses may be reimbursable.

5. Avoid Premature Repairs

While temporary repairs to prevent further damage are encouraged, avoid starting permanent repairs before an insurance adjuster has assessed the damage. Making changes too soon can result in disputes over the extent of the original damage and the cost of repairs.

6. Maintain Open and Accurate Communication

When interacting with your insurance company, be clear and consistent in your communication. Keep track of:

Dates and times of calls.
Names and titles of insurance representatives.
Summaries of discussions.

This log can be invaluable if disputes arise during the claims process.

7. Be Wary of Initial Offers

Insurance companies may present a quick settlement offer, but these initial payouts often undervalue the true cost of damage. Review any offers carefully and consider seeking professional guidance to ensure you receive fair compensation.

8. Work with Experts

Filing a business property insurance claim can involve complex assessments, appraisals, and negotiations. Enlisting the help of professionals, such as contractors or appraisers, can help you accurately estimate the cost of repairs and replacements.

Hiring a public adjuster is especially beneficial. Unlike insurance company adjusters who work on behalf of the insurer, public adjusters represent your interests. They’ll assess the damage, document your claim, and negotiate with your insurance provider to maximize your settlement.

9. Prepare for Delays

Business property insurance claims can take time, especially for large-scale damages. Stay patient and proactive, providing any requested information promptly and following up with your insurer regularly.

10. Appeal if Necessary

If your claim is denied or the settlement amount is inadequate, don’t hesitate to appeal. Work with a public adjuster to review your policy and documentation, identify any gaps in your original claim, and present a strong case for reconsideration.

Why Work with A H Neaman Company?

Navigating a business property insurance claim can be overwhelming, but you don’t have to do it alone. At A H Neaman Company, we specialize in representing businesses in Pennsylvania, West Virginia, and Maryland to ensure they receive the compensation they deserve.

Our Services Include:

Policy Review: We help you understand the details of your coverage.
Damage Assessment: Our team conducts thorough inspections to document the full extent of the damage.
Claims Management: We handle the entire claims process, from filing paperwork to negotiating with your insurer.
Dispute Resolution: If your claim is denied or undervalued, we’ll fight to overturn the decision.

As experienced public adjusters, we have a deep understanding of the insurance industry and are committed to protecting your business’s interests.

Conclusion

Filing a business property insurance claim doesn’t have to be a daunting task. By understanding your policy, documenting damage, and seeking professional guidance, you can navigate the process smoothly and secure the compensation your business needs to recover.

If you’re filing a claim in Pennsylvania, West Virginia, or Maryland, let A H Neaman Company help you every step of the way. Contact us today to learn how we can assist you in maximizing your claim and getting your business back on track.

Fire Damage Claims: What Every Homeowner Needs to Know

A H Neaman on December 3, 2024

Experiencing a fire in your home is a devastating event. Beyond the emotional toll, the process of filing a fire damage insurance claim can be overwhelming. For homeowners, understanding the steps involved and knowing your rights can make all the difference in ensuring a fair settlement. Partnering with a public adjuster in Pittsburgh or other nearby areas can provide the support you need to navigate this process successfully.

This guide will walk you through the essentials of fire damage claims and explain how a public adjuster can help maximize your settlement.

The Basics of Fire Damage Insurance Claims

When a fire damages your home, your homeowner’s insurance policy is designed to provide financial relief. Most standard policies cover:

Damage to the structure of your home.
Replacement or repair of personal belongings.
Additional living expenses if you need to temporarily relocate.

However, insurance companies often scrutinize fire damage claims closely, and mistakes during the filing process can lead to delays or reduced payouts.

Steps to Take After a Fire

Handling a fire damage claim properly begins with taking the right actions immediately after the event.

1. Ensure Safety First

Your safety and that of your family should always come first. Evacuate the property and call emergency services to handle the fire. Do not re-enter your home until authorities declare it safe.

2. Notify Your Insurance Company

Contact your insurance company as soon as possible to report the fire and start the claims process. Provide them with basic details about the event.

3. Document the Damage

Thorough documentation is key to a successful claim. Take photos and videos of all affected areas, including structural damage and damaged personal items. Keep an inventory of lost or damaged belongings with details like purchase dates and approximate values.

4. Secure the Property

Prevent further damage by securing the property. This might involve boarding up windows, covering roof damage with tarps, or arranging temporary fencing. Many insurance policies require you to mitigate additional loss.

5. Consult a Public Adjuster

While your insurance company will assign an adjuster to your case, hiring a public insurance adjuster ensures you have someone working solely in your best interest. They can guide you through the process, assess the damage independently, and negotiate for a fair settlement.

Common Challenges in Fire Damage Claims

Filing a fire damage claim isn’t always straightforward. Homeowners often encounter challenges such as:

1. Underestimated Damage

Insurance companies may underestimate the extent of fire damage, especially when it comes to structural integrity or hidden smoke damage.

2. Disputes Over Coverage

Insurers may argue that certain damages or items are not covered under your policy. Understanding the fine print of your policy is crucial.

3. Delays in Processing

Fire damage claims can be complex, leading to delays in processing and settlement. This can be especially frustrating when repairs or temporary housing arrangements are urgent.

4. Low Settlement Offers

Insurance companies often aim to minimize payouts. A low initial settlement offer might not cover all your repair and replacement costs.

How a Public Adjuster Can Help

Hiring a public adjuster in Pittsburgh or your local area can significantly improve your chances of a successful claim. Here’s how:

1. Expert Damage Assessment

Public adjusters have the expertise to evaluate fire damage thoroughly, including structural damage, smoke and soot residue, and loss of personal belongings.

2. Policy Interpretation

They understand the intricacies of insurance policies and can identify all applicable coverages to ensure you receive the maximum benefits.

3. Documentation and Claim Preparation

Public adjusters handle the detailed documentation process, including creating inventories, taking photographs, and preparing repair estimates.

4. Negotiation with Insurers

They act as your advocate in negotiations with the insurance company, pushing back against lowball offers and ensuring a fair settlement.

5. Stress Reduction

Dealing with a fire is stressful enough. A public adjuster takes the burden of managing the claim off your shoulders, allowing you to focus on recovery.

Fire Damage Claims in Pennsylvania, Maryland, and West Virginia

In regions like Pennsylvania, Maryland, and West Virginia, fire damage claims come with unique challenges. For example:

Pennsylvania experiences cold winters, where fire claims may also involve water damage from burst pipes or firefighting efforts.
Maryland homes often face weather-related risks, where wind or storm damage can compound fire-related claims.
West Virginia, with its rural areas, may see delays in accessing services for repairs or temporary housing.

Having a public adjuster familiar with these regional factors is invaluable.

Tips for Maximizing Your Fire Damage Claim

Act Quickly: Report the fire and begin the claims process as soon as possible.
Keep Records: Save all receipts for expenses related to the fire, including temporary housing and repairs.
Avoid Premature Clean-Up: Don’t discard damaged items before documenting them.
Review Settlement Offers Carefully: Consult with a public adjuster to ensure any offer reflects the full extent of your losses.
Be Persistent: Follow up regularly with your insurer to keep your claim moving forward.

Why Choose A H Neaman Company?

At A H Neaman Company, we understand the emotional and financial toll that fire damage can take on homeowners. As licensed public insurance adjusters in Pennsylvania, Maryland, and West Virginia, we specialize in handling fire damage claims and fighting for the compensation you deserve.

With our expertise, we ensure:

Comprehensive documentation of your losses.
Accurate evaluation of damages.
Skillful negotiation to secure a fair settlement.

Don’t settle for less. Contact A H Neaman Company today, and let us help you rebuild your home and your peace of mind.

Filing a fire damage claim doesn’t have to be a battle. With the right support, you can navigate the process with confidence and secure the compensation you need to recover. Trust A H Neaman Company to stand by your side every step of the way.

The Role of a Public Adjuster in Large Loss Insurance Claims

A H Neaman on December 3, 2024

Large loss insurance claims can be some of the most complex and overwhelming experiences for property owners. Whether you’re dealing with significant damage to a commercial property, a large-scale disaster affecting your home, or extensive loss of inventory, navigating the insurance process can feel like a daunting task. In these situations, having a public adjuster in Pittsburgh or nearby on your side can make a world of difference.

Public adjusters work exclusively for policyholders—not insurance companies. They are licensed professionals who specialize in managing and negotiating claims to ensure you receive the full compensation you deserve. For large loss claims, their expertise is invaluable.

What Are Large Loss Insurance Claims?

Large loss insurance claims refer to situations involving substantial damage or financial loss, often exceeding standard policy limits. These claims can arise from:

Natural disasters like hurricanes, floods, or tornadoes.
Fire damage to commercial or residential properties.
Extensive water damage from burst pipes or faulty sprinkler systems.
Theft or vandalism resulting in significant property damage or inventory loss.

The scale of these claims often means they involve higher stakes, longer timelines, and more complex processes, making it essential to have an experienced advocate on your side.

How Public Adjusters Assist with Large Loss Claims

Public adjusters provide critical support throughout the claims process. Here’s how they can help:

1. Comprehensive Policy Review

Understanding your insurance policy is the foundation of any claim. A public adjuster will review the details of your coverage, identify applicable provisions, and explain your rights as a policyholder. This step ensures that all potential benefits are pursued.

2. Detailed Documentation of Damages

Accurate documentation is key to a successful large loss claim. Public adjusters conduct thorough property inspections, take detailed photographs, and compile inventories of damaged or lost items. They may also bring in experts like engineers, contractors, or appraisers to strengthen your claim.

3. Accurate Valuation of Losses

One of the most significant challenges in large loss claims is determining the true cost of damages. Public adjusters assess repair and replacement costs, lost business income, and other related expenses to ensure your claim reflects the full scope of your loss.

4. Navigating Complex Claims Processes

Insurance companies often assign their most experienced adjusters to large loss claims. These professionals may use tactics to minimize payouts. A public adjuster acts as your advocate, managing communications with the insurer, meeting deadlines, and ensuring compliance with policy requirements.

5. Skilled Negotiation

Negotiating with an insurance company can be intimidating, especially for large claims involving substantial financial loss. Public adjusters have the expertise to counter lowball offers and negotiate for the maximum settlement allowed under your policy.

The Benefits of Hiring a Public Adjuster

When dealing with a large loss claim, the stakes are too high to leave anything to chance. Hiring a public adjuster offers several key advantages:

Time Savings: Managing a large loss claim can be time-consuming. Public adjusters handle the workload, allowing you to focus on recovery.
Stress Reduction: Insurance claims are often emotionally taxing. Public adjusters take on the burden of dealing with insurers, giving you peace of mind.
Improved Outcomes: Studies show that policyholders who work with public adjusters typically receive higher settlements than those who go it alone.

When to Call a Public Adjuster

For large loss claims, involving a public adjuster early in the process is crucial. Signs that you should call a public adjuster include:

Significant or total loss of property.
Complex claims involving multiple types of damage.
Delays or disputes with your insurance company.
A low initial settlement offer.

Large Loss Claims in Pennsylvania, Maryland, and West Virginia

In states like Pennsylvania, Maryland, and West Virginia, property owners face unique challenges with large loss claims due to regional factors like severe weather patterns or specific state regulations. A public adjuster in Pittsburgh or other licensed areas will have the local knowledge needed to navigate these challenges effectively.

For example:

Pennsylvania: Winter storms and flooding often cause large-scale property damage, requiring meticulous documentation and specialized expertise.
Maryland: Coastal properties may face additional complexities in claims involving hurricanes or flooding.
West Virginia: Mountainous terrain and frequent weather fluctuations can lead to unique types of property damage.

How to Choose the Right Public Adjuster

Not all public adjusters are created equal. When selecting a public adjuster for your large loss claim, consider the following:

Experience: Look for adjusters with a proven track record in managing large loss claims.
Licensing: Ensure the adjuster is licensed in your state. A H Neaman Company, for instance, is licensed in Pennsylvania, Maryland, and West Virginia.
Reputation: Check reviews, testimonials, and references to gauge the adjuster’s professionalism and reliability.

Why Choose A H Neaman Company?

Large loss claims require expertise, dedication, and a commitment to achieving the best outcome for policyholders. At A H Neaman Company, we specialize in handling large and complex insurance claims for property owners in Pennsylvania, Maryland, and West Virginia.

As trusted public insurance adjusters, we provide:

Comprehensive policy analysis.
Accurate documentation and valuation of damages.
Skilled negotiation to maximize your settlement.

Don’t let a large loss claim overwhelm you or leave you underpaid. Contact A H Neaman Company today, and let us fight for the compensation you deserve.

Navigating a large loss insurance claim is no small feat, but with the right team on your side, you can achieve the resolution you need. Trust A H Neaman Company to guide you through every step of the process and secure the outcome you deserve.

Understanding Business Interruption Insurance

A H Neaman on December 3, 2024

Running a business comes with its share of challenges, but few are as disruptive as unexpected interruptions that halt operations. Whether it’s a fire, flood, or other covered peril, such incidents can lead to significant financial losses. This is where business interruption insurance comes into play, offering a safety net to help your business recover.

However, navigating the complexities of business interruption coverage can be daunting. For businesses in Pennsylvania, Maryland, and West Virginia, working with a public adjuster in Pittsburgh or nearby areas can make all the difference in ensuring you get the compensation you deserve. Here’s what you need to know about business interruption insurance.

What Is Business Interruption Insurance?

Business interruption insurance, also known as business income insurance, is a type of coverage designed to replace lost income when your business operations are temporarily halted due to a covered event.

While your property insurance covers physical damages to your building or equipment, business interruption insurance helps cover the financial impact of being unable to operate.

What Does Business Interruption Insurance Cover?

Although specific policy details vary, most business interruption insurance policies cover:

Lost Revenue: Income your business would have earned had the disruption not occurred.
Operating Expenses: Fixed costs such as rent, utilities, and payroll.
Relocation Costs: Expenses associated with temporarily moving your business to a new location.
Extra Expenses: Costs incurred to continue operations during the interruption, like renting equipment or expediting repairs.
Loan Payments: Assistance with loan repayments that remain due despite the interruption.

What Events Are Covered?

Typically, business interruption insurance applies to events covered under your property insurance policy. These may include:

Fires
Storm damage
Vandalism
Certain water damages

It’s crucial to review your policy carefully, as exclusions such as floods, earthquakes, or pandemics may not be covered unless you’ve added specific endorsements.

How Long Does Coverage Last?

Business interruption insurance generally provides coverage for the “period of restoration”—the time it takes to repair your property and resume normal operations. This period varies by policy, so understanding your terms is critical.

Common Pitfalls in Business Interruption Claims

Filing a business interruption claim is not always straightforward. Here are some common challenges:

Underestimating Losses: Miscalculating lost income or failing to document all expenses can lead to lower payouts.
Policy Exclusions: Not all interruptions are covered, and insurers may deny claims based on exclusions.
Insufficient Documentation: Failing to provide clear evidence of income losses and expenses can result in delays or denials.

When to Call a Public Adjuster

Navigating a business interruption claim on your own can be overwhelming. A public insurance adjuster acts as your advocate, helping you maximize your claim by:

Reviewing your policy to ensure you understand your coverage.
Accurately documenting all losses, including lost revenue and expenses.
Negotiating with your insurer to ensure a fair settlement.

For businesses in Pennsylvania, Maryland, and West Virginia, hiring a public adjuster in Pittsburgh or nearby can streamline the process and reduce the stress of managing your claim.

Tips for Filing a Successful Business Interruption Claim

Understand Your Policy: Review your coverage to know what’s included and excluded. If you’re unsure, consult a public insurance adjuster.
Document Everything: Keep meticulous records of your financials, including income statements, expenses, and invoices for repairs or temporary relocations.
Act Quickly: Notify your insurer promptly and provide detailed information about the interruption.
Work with Experts: Consider hiring a public adjuster to handle the complexities of your claim and ensure you get the full compensation you’re entitled to.

Why Business Interruption Insurance Is Essential

For many business owners, even a short-term disruption can have long-lasting financial consequences. Business interruption insurance provides critical support, allowing you to focus on rebuilding and minimizing the impact of unexpected events.

Without this coverage, you risk depleting your savings or taking on debt to cover operating expenses during downtime. Ensuring you have adequate business interruption insurance—and understanding how to use it effectively—is a vital part of risk management.

How A H Neaman Company Can Help

If you’re dealing with a business interruption insurance claim in Pennsylvania, Maryland, or West Virginia, A H Neaman Company is here to help. As experienced public insurance adjusters, we specialize in helping business owners navigate complex claims and secure the compensation they deserve.

From reviewing your policy to documenting losses and negotiating with your insurer, our team is dedicated to making the claims process as smooth and successful as possible.

Don’t let a business interruption derail your operations or finances. Contact A H Neaman Company today and let us fight to get you the money you deserve.

By understanding your business interruption insurance policy and avoiding common pitfalls, you can protect your business from financial strain during unexpected disruptions. And with the support of a trusted public adjuster in Pittsburgh or nearby areas, you can rest assured that your claim is in capable hands.

What to Do If Your Insurance Settlement Offer Is Too Low

A H Neaman on December 3, 2024

Receiving a low insurance settlement offer after filing an insurance claim can be frustrating and disheartening, especially when you’ve diligently paid your premiums and are counting on fair compensation to recover from a loss. Insurance companies often try to minimize payouts to protect their bottom line, leaving policyholders feeling undervalued.

If your insurance settlement offer is too low, there are steps you can take to fight for the compensation you deserve. For business owners and homeowners in Pittsburgh, Pennsylvania, Maryland, and West Virginia, working with a public insurance adjuster can make all the difference.

1. Review Your Policy Thoroughly

The first step in challenging a low settlement offer is to carefully review your insurance policy. Understanding your coverage, limits, and exclusions is critical to determining whether the offer aligns with your policy. Pay close attention to:

Policy Limits: Ensure the settlement amount doesn’t fall below the maximum coverage for your claim.
Deductibles: Verify that the deductible has been properly applied.
Covered Perils: Confirm that the type of loss you experienced is covered under your policy.

If the policy language is confusing, a public adjuster can help you interpret the terms and identify discrepancies in the insurer’s offer.

2. Understand the Insurer’s Justification

Request a detailed explanation from your insurance company about how they calculated your settlement. Key areas to review include:

The scope of damages assessed by their adjuster.
The valuation methods used for repairs, replacements, or lost items.
Any exclusions or depreciation applied to your claim.

This information provides a basis for understanding the low offer and gives you a starting point for negotiations.

3. Document the Damage Completely

In many cases, low settlement offers result from incomplete or inaccurate assessments of the damage. Take the time to document your losses thoroughly:

Photographs and Videos: Capture all damage to your property, including structural issues, personal belongings, and equipment.
Itemized Inventory: Provide a detailed list of damaged items with descriptions, approximate values, and receipts, if available.
Independent Estimates: Obtain repair or replacement estimates from licensed contractors to support your claim.

A public insurance adjuster can help ensure all damages are accurately documented and presented to your insurer.

4. Get a Second Opinion

Insurance company adjusters work for the insurer and may not have your best interests in mind. Hiring an independent public adjuster allows you to obtain an unbiased assessment of your claim. Public adjusters are experts in evaluating property damage and calculating fair settlement amounts, giving you a stronger position in negotiations.

In Pittsburgh, as well as across Pennsylvania, Maryland, and West Virginia, public adjusters advocate for policyholders to ensure they receive the compensation they’re entitled to.

5. Dispute the Settlement Offer

If your documentation and independent assessments show that the settlement offer is too low, formally dispute the insurer’s decision. Follow these steps:

Write a Rebuttal Letter: Provide a detailed letter outlining why the settlement is insufficient, supported by evidence such as photographs, estimates, and policy details.
Request a Re-Evaluation: Ask the insurer to reconsider their offer based on your evidence.
Engage in Negotiations: Be persistent and prepared to negotiate for a higher payout.

Public adjusters are skilled negotiators who can handle these discussions on your behalf, alleviating stress and ensuring a professional approach.

6. Consider an Appraisal or Mediation

Many insurance policies include an appraisal clause, allowing both parties to appoint independent appraisers to assess the claim. If negotiations stall, this can be an effective way to reach a resolution. Mediation is another option, where a neutral third party helps facilitate an agreement between you and the insurer.

Public adjusters can guide you through these processes and ensure your interests are represented.

7. Be Aware of Time Limits

Insurance policies often include deadlines for filing disputes or requesting additional compensation. Act promptly to avoid losing your right to challenge the settlement. Staying organized and keeping detailed records of all communications with your insurer is essential.

8. Seek Legal Assistance if Necessary

If your insurer refuses to budge despite clear evidence supporting a higher payout, it may be time to involve an attorney. A lawyer specializing in insurance claims can help escalate the matter and pursue legal action if necessary.

However, public adjusters often resolve disputes without the need for litigation, saving you time and money.

Why Work with A H Neaman Company?

At A H Neaman Company, we understand how frustrating it can be to receive a low settlement offer after a loss. As licensed public adjusters in Pennsylvania, Maryland, and West Virginia, we specialize in advocating for policyholders and ensuring they receive the compensation they deserve.

Here’s how we can help:

Conduct a thorough review of your policy and damages.
Document your losses comprehensively to support your claim.
Negotiate aggressively with the insurance company on your behalf.
Guide you through the appeals process, including appraisals and mediations.

You don’t have to settle for less than you deserve. With A H Neaman Company on your side, you’ll have the expertise and advocacy needed to fight for a fair settlement.

Conclusion

Receiving a low insurance settlement offer can feel like a setback, but it doesn’t have to be the end of the road. By reviewing your policy, documenting damages, and working with a public insurance adjuster, you can challenge the offer and secure a better outcome.

If you’re in Pittsburgh, Pennsylvania, Maryland, or West Virginia, trust A H Neaman Company to fight for your claim. Contact us today to learn how we can help you get the compensation you deserve.

How Public Adjusters Help with Commercial Roof Leak Insurance Claims

A H Neaman on December 2, 2024

Commercial roof leaks can lead to significant damage, disrupting operations and causing financial strain. Addressing these issues promptly is crucial, and filing an insurance claim is often the first step. However, navigating the claims process can be complicated, especially if you’re dealing with pushback from your insurer or incomplete settlements. This is where hiring a public adjuster in Pittsburgh or other areas can make a significant difference in your roof leak insurance claims.

In this post, we’ll explore how public adjusters can help with commercial roof leak insurance claims and ensure that you get the settlement your business deserves. Whether you’re in Pennsylvania, Maryland, or West Virginia, understanding the role of public adjusters is key to successfully resolving your claim.

Common Causes of Commercial Roof Leak Insurance Claims

Roof leaks can occur due to various factors, including:

Severe Weather: High winds, hail, and heavy rain can damage roofing materials, leading to leaks.
Aging Roofs: Over time, roofing materials degrade, making them more susceptible to leaks.
Improper Maintenance: Lack of regular inspections or repairs can allow small issues to escalate.
Structural Damage: Falling debris or improper installation can compromise a roof’s integrity.

Understanding the cause of the leak is vital for filing a claim, as insurance policies may have specific provisions about covered damages.

Challenges in Filing Commercial Roof Leak Insurance Claims

Filing a claim for roof leaks is rarely straightforward. Here are some common challenges businesses face:

Policy Exclusions: Insurance policies often include exclusions for wear and tear or damage caused by poor maintenance.
Disputes Over Cause: Insurers may argue that the damage isn’t due to a covered event, such as a storm, but rather neglect or age.
Insufficient Settlements: Insurance companies may undervalue the cost of repairs, leaving you with out-of-pocket expenses.
Lengthy Processes: The claims process can drag on, delaying critical repairs and further disrupting your business.

These challenges highlight the importance of having a public insurance adjuster on your side to advocate for your claim.

How a Public Adjuster Can Help

Public adjusters are licensed professionals who represent policyholders during the insurance claims process. Here’s how they can assist with your commercial roof leak claim:

1. Policy Review and Interpretation

Understanding your insurance policy is essential to ensuring you receive the coverage you’re entitled to. Public adjusters will review your policy in detail, identifying applicable coverages, exclusions, and limits that could impact your claim.

2. Comprehensive Documentation

Thorough documentation is the backbone of a successful claim. Public adjusters:

Conduct a detailed inspection of the roof and property.
Document all visible damages with photos, videos, and written reports.
Collect evidence to demonstrate the cause of the leak, such as weather reports or expert assessments.

3. Accurate Damage Assessment

Underestimating repair costs is a common issue in insurance claims. Public adjusters provide an independent and accurate estimate of the damage, ensuring nothing is overlooked. This can include:

Structural damage to the roof.
Damage to interior spaces, equipment, and inventory caused by water infiltration.
Costs for temporary fixes, such as tarping.

4. Negotiation with Insurers

Insurers often aim to minimize payouts, but public adjusters are skilled negotiators who advocate for fair settlements. They handle all communication with the insurance company, presenting evidence and pushing back against lowball offers or unjust denials.

5. Expediting the Claims Process

Public adjusters understand the intricacies of the claims process and can help prevent unnecessary delays. Their expertise ensures your claim is processed efficiently, so repairs can begin sooner.

Why You Shouldn’t Handle Roof Leak Insurance Claims Alone

Attempting to handle a commercial roof leak claim without professional assistance can lead to frustration and financial loss. Insurance companies have their own adjusters working to protect their interests, and without the same level of expertise, policyholders are often at a disadvantage.

A public insurance adjuster works exclusively for you, leveling the playing field and ensuring your business is fairly compensated for its losses.

Roof Leak Insurance Claims Across State Lines

If your business is located in Pennsylvania, Maryland, or West Virginia, it’s important to work with a public adjuster familiar with local regulations and insurance practices. Each state has unique requirements for insurance claims, and a licensed adjuster can help you navigate these complexities.

At A H Neaman Company, we have extensive experience in these states and a proven track record of helping businesses recover after disasters.

Steps to File a Commercial Roof Leak Claim

If you’re dealing with a roof leak at your business, follow these steps to ensure a smooth claims process:

Mitigate Damage: Take immediate steps to prevent further damage, such as covering the affected area with tarps.
Document Everything: Capture photos and videos of the damage, and keep receipts for any emergency repairs.
Notify Your Insurer: Report the damage to your insurance company as soon as possible.
Call a Public Adjuster: Before accepting any settlement, consult with a public adjuster to ensure your claim is properly handled.

Why Choose A H Neaman Company?

Dealing with a commercial roof leak can be stressful, but you don’t have to face it alone. At A H Neaman Company, we specialize in helping businesses secure fair settlements for their insurance claims. Our team is licensed in Pennsylvania, Maryland, or West Virginia, and we’re committed to fighting for the compensation you deserve.

We understand the complexities of commercial roof leak claims and are here to guide you through every step of the process. From documenting damages to negotiating with insurers, we’re your trusted partner in navigating the claims process.

Conclusion

A roof leak at your business can cause significant disruptions, but with the right approach, you can minimize losses and secure the resources needed for repairs. Hiring a public adjuster in Pittsburgh or other licensed areas ensures you have a dedicated advocate on your side, fighting for your best interests.

Don’t let your insurance company dictate the terms of your settlement. Contact A H Neaman Company today to learn how we can help you fight your claim and get the money you deserve. Let us handle the complexities while you focus on running your business!

Storm Damage to Your Commercial Property?

A H Neaman on December 2, 2024

When severe weather strikes, commercial property owners face significant challenges. Storm damage can disrupt operations, create financial burdens, and require urgent repairs. Navigating the insurance claims process after such an event can be overwhelming, especially if you’re unfamiliar with policy specifics and documentation requirements.

If you’re dealing with storm damage to your business, working with a public adjuster in Pittsburgh or elsewhere in Pennsylvania, Maryland, or West Virginia can make all the difference. Here, we outline the key steps to filing a successful storm damage claim and how a public insurance adjuster can help you secure the compensation you deserve.

Assess the Storm Damage and Prioritize Safety

The first step after a storm is to ensure the safety of everyone on the property. Inspect for hazards such as:

Downed power lines.
Structural instability.
Flooded or water-damaged areas.

Once the property is safe, assess the damage to identify impacted areas, including roofing, windows, equipment, and inventory. Take detailed notes, photos, and videos of all visible damage, as this documentation will be essential for your insurance claim.

Notify Your Insurance Company Immediately

Most insurance policies require prompt reporting of storm damage. Contact your insurance provider as soon as possible to initiate the claims process. Be prepared to provide:

The date and time of the storm.
A brief description of the damage.
Any immediate actions you’ve taken to prevent further loss, such as boarding up windows or covering a damaged roof.

Timely reporting ensures you comply with policy terms and helps expedite the claims process.

Review Your Commercial Insurance Policy

Before filing your claim, carefully review your insurance policy to understand what is covered. Key aspects to check include:

Coverage for Storm Damage: Ensure your policy covers the specific type of damage sustained, such as wind, hail, or flooding.
Deductibles: Know the amount you’ll need to pay out of pocket before insurance coverage applies.
Exclusions: Identify any limitations or exclusions in your policy that could affect your claim.

A public insurance adjuster can help you interpret your policy to ensure you fully understand your coverage.

Mitigate Further Storm Damage

Insurance policies typically require policyholders to take reasonable steps to prevent further damage after a storm. This could include:

Tarping a damaged roof.
Boarding up broken windows.
Relocating inventory or equipment to a safe area.

Save all receipts and documentation for these emergency repairs, as they may be reimbursable under your policy.

Document All Damages Thoroughly

Proper documentation is critical to a successful insurance claim. Ensure you:

Photograph or video every aspect of the damage, including exterior and interior areas, damaged inventory, and equipment.
Create a detailed inventory of losses with descriptions and estimated values.
Keep records of repair estimates, contractor inspections, and temporary fixes.

Organized and detailed documentation demonstrates the extent of your losses, making it easier to secure a fair settlement.

Understand the Claims Process

Once your claim is filed, your insurance company will assign an adjuster to evaluate the damage. However, remember that their primary goal is to minimize the payout. This is where a public adjuster becomes invaluable.

A public adjuster in Pittsburgh or surrounding regions can:

Represent your interests, not the insurer’s.
Provide a comprehensive evaluation of your losses.
Negotiate on your behalf to secure a fair settlement.

Common Challenges in Storm Damage Claims

Filing a storm damage claim isn’t always straightforward. Common issues include:

Disputed Coverage: Insurers may argue certain damages are excluded from your policy.
Lowball Settlements: Insurance companies may undervalue your losses.
Delays: The claims process can take longer than expected, delaying repairs.

By working with a public adjuster, you can overcome these challenges and ensure your claim is handled efficiently and accurately.

Why Hire a Public Adjuster?

A public insurance adjuster is a licensed professional who advocates for policyholders during the claims process. They:

Review Your Policy: Ensure all applicable coverages are utilized.
Document Losses: Provide thorough and professional damage assessments.
Negotiate with Insurers: Fight for the settlement you deserve, especially if the initial offer is too low.
Save Time: Handle the paperwork, communications, and negotiations, allowing you to focus on running your business.

Public adjusters often help secure significantly higher settlements compared to policyholders who handle claims independently.

How A H Neaman Company Can Help

At A H Neaman Company, we specialize in storm damage claims for commercial properties. With licenses in Pennsylvania, Maryland, and West Virginia, our team is well-versed in regional policies and storm-related challenges.

We’ll guide you through every step of the claims process, from assessing damages to negotiating with your insurance provider. Our goal is to maximize your settlement, ensuring you have the resources to repair, rebuild, and resume business operations.

Conclusion

Dealing with storm damage to your commercial property is stressful, but you don’t have to navigate the claims process alone. By taking the right steps—documenting damages, understanding your policy, and seeking professional support—you can secure the compensation you deserve.

If you’re looking for a trusted public adjuster in Pittsburgh or anywhere in Pennsylvania, Maryland, or West Virginia, turn to A H Neaman Company. We’re here to fight for your claim and help you recover after the storm. Contact us today to learn how we can assist you!

Roof Leaks and Insurance Claims: When to Call a Public Adjuster

A H Neaman on December 2, 2024

Roof leaks can cause significant damage to your home or business, leading to costly repairs and potential disruptions to your daily life or operations. When such an issue arises, filing an insurance claim may seem straightforward. However, navigating the complexities of your policy and dealing with your insurance company can quickly become overwhelming, especially if your claim is denied or undervalued.

This is where a public adjuster can make a difference. Whether you’re in Pittsburgh, Pennsylvania, Maryland, or West Virginia, a public insurance adjuster like A H Neaman Company can help ensure you receive the compensation you deserve for your roof leak claim.

Why Roof Leaks Are Often Disputed by Insurance Companies

Roof leaks are a common source of property damage claims, but they’re also one of the most disputed. Insurance companies frequently deny claims or offer settlements far below the cost of repairs. Here’s why:

Cause of the Leak
Insurance policies often cover roof damage caused by sudden, accidental events like storms or fallen trees. However, if the insurance company attributes the leak to gradual wear and tear, poor maintenance, or pre-existing issues, they may deny the claim.
Policy Exclusions
Many policies include exclusions for certain types of water damage or specific roofing materials. If the insurer believes the damage falls under an exclusion, they may limit or deny your claim.
Incomplete Documentation
A lack of detailed evidence, such as photos or repair estimates, can result in a lower payout or denial.
Low Initial Estimates
Insurance companies may undervalue the extent of the damage, particularly if hidden issues like structural damage or mold aren’t immediately visible.

Steps to Take After Discovering a Roof Leak

1. Address the Leak Immediately

Take steps to minimize further damage:

Place buckets or tarps to catch dripping water.
Avoid areas with sagging ceilings or pooling water to prevent injury.

2. Document the Damage

Thorough documentation strengthens your claim:

Take clear photos and videos of the damage, including the source of the leak, water-damaged areas, and any belongings affected.
Keep records of repair receipts, contractor estimates, and communication with your insurer.

3. Review Your Insurance Policy

Understand what your policy covers, including:

Whether roof damage is covered.
Applicable exclusions or limitations.
Your deductible and policy limits.

4. File a Claim Promptly

Notify your insurance company as soon as possible to begin the claims process. Delaying could lead to complications or denial.

When to Call a Public Adjuster for Roof Leaks

A public adjuster is a licensed professional who works on behalf of policyholders to ensure they receive fair compensation. Here’s when you should consider hiring one:

1. Your Claim Is Denied

If your insurance company denies your roof leak claim, a public adjuster can review your policy and claim to identify overlooked coverage or errors in the denial.

2. Your Settlement Offer Is Too Low

Insurance companies often underestimate the cost of repairs. A public adjuster can conduct an independent assessment to determine the true value of your claim and negotiate a higher payout.

3. The Cause of the Leak Is Disputed

Determining whether a leak resulted from a covered event (like a storm) or an excluded issue (like poor maintenance) can be subjective. A public adjuster can help prove your case with detailed evidence and expert opinions.

4. The Process Feels Overwhelming

If navigating the claims process feels daunting or time-consuming, a public adjuster can handle the paperwork, negotiations, and communication with the insurer on your behalf.

Benefits of Working with a Public Adjuster

1. Expertise in Roof Damage Claims

Public adjusters understand the nuances of insurance policies and have experience handling claims related to roof leaks, water damage, and structural issues.

2. Accurate Damage Assessment

A public adjuster will conduct a thorough inspection of your property, including hidden damage that the insurance company’s adjuster might overlook.

3. Maximized Compensation

By presenting a strong case with detailed evidence, public adjusters can negotiate higher settlements to cover repair costs, additional living expenses, and other losses.

4. Advocacy and Support

A public adjuster works for you—not the insurance company—ensuring your interests are prioritized throughout the claims process.

Roof Leak Claims in Pennsylvania, Maryland, and West Virginia

Insurance policies and claim processes can vary by state. In regions like Pennsylvania, Maryland, and West Virginia, understanding local regulations and insurance practices is crucial. A H Neaman Company is licensed in these states and has extensive experience helping homeowners and business owners navigate their claims.

Why Choose A H Neaman Company?

Roof leaks can cause significant financial strain, and you deserve an advocate who will fight for the compensation you’re entitled to. At A H Neaman Company, we specialize in maximizing claims for clients in Pittsburgh and across Pennsylvania, Maryland, and West Virginia.

Our team is committed to:

Providing transparent, expert guidance throughout the claims process.
Ensuring all damages are accurately documented and valued.
Negotiating with your insurance company to secure a fair payout.

Conclusion

Don’t let a roof leak lead to financial loss. If your claim is denied, undervalued, or stalled, a public insurance adjuster in Pittsburgh or surrounding areas can help you navigate the process and achieve a favorable outcome.

For expert assistance with your roof leak claim, contact A H Neaman Company today. We’ll fight for your rights and ensure you get the compensation you deserve!