public adjuster in pittsburgh Archives

Comparing Public Adjusters vs. Independent Adjusters

A H Neaman on January 10, 2025

When disaster strikes, whether it’s a fire, storm, or flood, homeowners rely on their insurance policies to help them recover. However, dealing with insurance claims can be a complicated and overwhelming process. In these challenging times, understanding the role of public adjusters is crucial to getting the compensation you deserve.

While there are different types of adjusters in the insurance claims process, two of the most common are public adjusters and independent adjusters. Many homeowners are unaware of the key differences between these two, which can impact the outcome of their claims. In this blog post, we’ll compare public adjusters and independent adjusters and help homeowners in Pennsylvania, West Virginia, and Maryland understand which type of adjuster is best suited to represent their interests.

What is a Public Adjuster?

A public adjuster is a licensed professional who works exclusively for the policyholder, not the insurance company. Their role is to represent the interests of the homeowner, ensuring that they receive the maximum compensation allowed under their policy. Public adjusters are typically hired by policyholders to assist with filing claims, assessing damage, negotiating with the insurance company, and, if necessary, appealing claim denials.

Public adjusters are paid a fee based on a percentage of the settlement amount, and their job is to advocate on behalf of the homeowner, ensuring that they get a fair payout. As a result, public adjusters work for you, the homeowner, and their loyalty lies solely with your best interests.

What is an Independent Adjuster?

An independent adjuster is a third-party contractor who is hired by the insurance company to handle claims. Independent adjusters are not employed by the insurer but work on a case-by-case basis for multiple insurance companies. Their primary role is to assess damage, investigate claims, and make recommendations regarding the payout based on the policyholder’s coverage.

Although independent adjusters may seem similar to public adjusters, there is a significant difference: independent adjusters are hired by the insurance company, which means their ultimate loyalty lies with the insurer. This can lead to conflicts of interest, as the adjuster may be incentivized to minimize the claim settlement in order to protect the insurer’s bottom line.

Key Differences Between Public Adjusters and Independent Adjusters

1. Who They Represent

The most significant difference between a public adjuster and an independent adjuster is who they represent.

Public adjusters represent the policyholder, ensuring that your interests are prioritized.
Independent adjusters are hired by the insurance company, meaning they are working for the insurer and their ultimate goal is to protect the company’s financial interests.

As a homeowner, hiring a public adjuster is often the best choice, as they are specifically trained to look out for your best interests and maximize your claim.

2. Compensation

Another key difference lies in how the adjusters are compensated.

Public adjusters typically work on a contingency basis, meaning they are paid a percentage of the final settlement. If you don’t win your claim or don’t get a satisfactory payout, they don’t get paid. This incentivizes public adjusters to work diligently to secure the maximum payout for you.
Independent adjusters, on the other hand, are paid directly by the insurance company, typically as a flat fee or on a per-case basis. As a result, their compensation is not tied to the outcome of the claim.

The contingency-based payment structure of a public adjuster helps ensure that they are motivated to secure a fair and substantial settlement.

3. Level of Expertise and Advocacy

Public adjusters are experts in the insurance claims process. They understand policy language, coverage limits, exclusions, and how to properly document and present a claim. They also have extensive experience negotiating with insurance companies to ensure that you receive fair compensation.

Public adjusters typically specialize in advocating for homeowners and businesses. They have the knowledge and expertise to handle even complex claims, such as those resulting from fire, water damage, or other natural disasters.
Independent adjusters, while skilled in assessing damage, work for the insurance company and are less likely to be as aggressive in negotiating for the homeowner. They are trained to evaluate claims, but their priorities align with the insurance company’s goal of minimizing payouts.

By hiring a public adjuster in Pennsylvania, West Virginia, or Maryland, you can rest assured that you have an experienced advocate on your side who will fight for the compensation you deserve.

4. Claims Process

The claims process is another area where the two types of adjusters differ.

Public adjusters manage the entire claims process for the homeowner, from filing the claim to negotiating with the insurance company and handling disputes. They ensure that all aspects of the claim are thoroughly investigated and documented, increasing the likelihood of a fair settlement.
Independent adjusters, while experienced in damage assessment, usually only handle the initial evaluation and reporting of the claim. They may not provide ongoing support or assistance throughout the entire process, leaving the homeowner to navigate the complexities of claim negotiations.

A public adjuster will guide you through every step of the process, ensuring you don’t miss any important details that could impact the value of your claim.

5. Potential for Conflict of Interest

One of the major concerns with independent adjusters is the potential for a conflict of interest. Since independent adjusters are paid by the insurance company, their incentive is to minimize the payout in order to reduce the insurer’s costs.

Public adjusters, on the other hand, are beholden only to the homeowner, ensuring that your best interests are the primary concern.

Why Homeowners Should Hire Public Adjusters

For homeowners in Pennsylvania, West Virginia, and Maryland, hiring a public adjuster can make a huge difference in the outcome of your insurance claim. Public adjusters are experienced professionals who are dedicated to fighting for the compensation you deserve. With their expertise in navigating the insurance claims process, public adjusters are more likely to secure a higher payout than if you handled the claim on your own or relied on an independent adjuster hired by the insurance company.

Conclusion

When it comes to managing insurance claims, especially after significant property damage, homeowners need an advocate who will prioritize their interests. Public adjusters are dedicated professionals who work for you, ensuring that your claim is handled properly and that you receive the maximum payout possible. Independent adjusters, while skilled, represent the insurance company and may not always act in your best interest.

At A H Neaman Company, we are licensed public adjusters in Pennsylvania, West Virginia, and Maryland. We specialize in helping homeowners navigate the insurance claims process and maximize their settlements. If you need help with an insurance claim, contact us today, and let us put our expertise to work for you!

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.

How to Prepare for Winter Weather Insurance Claims

A H Neaman on January 3, 2025

Winter can be a challenging season for homeowners, bringing risks like heavy snow, ice damage, and freezing temperatures. While insurance policies often provide coverage for many winter weather insurance claims, navigating the claims process can be daunting. Preparing in advance can save you time, money, and stress if the unexpected happens.

At A H Neaman Company, we help homeowners in Pennsylvania, West Virginia, and Maryland maximize their insurance claims and ensure fair compensation. Here’s how to prepare for winter weather insurance claims so you’re ready to face the season with confidence.

Common Winter Weather Risks

Understanding the types of damage commonly associated with winter weather can help you prepare:

Frozen Pipes: Low temperatures can cause pipes to freeze and burst, leading to water damage.
Roof Damage: Snow and ice accumulation may lead to roof leaks, collapses, or damage to gutters.
Ice Dams: Ice buildup along roof edges can prevent melting snow from draining, causing interior water damage.
Fallen Trees: Heavy snow or ice can weaken trees and cause them to fall on structures or vehicles.
Hail Damage: Hailstorms can damage roofs, siding, and outdoor equipment.

Knowing these risks is the first step in preparing for potential claims.

Review Your Insurance Policy

Before winter hits, review your homeowner’s insurance policy to understand what’s covered. Look for:

Coverage for Winter Risks: Ensure your policy covers common winter damage, such as water damage, roof leaks, and tree damage.
Exclusions: Be aware of any exclusions, such as damage caused by poor maintenance or flooding from snowmelt.
Deductibles: Know your deductible amount, as it will impact whether filing a claim is worthwhile for smaller damages.

If you’re unsure about your coverage, consider consulting a public adjuster. At A H Neaman Company, we can review your policy and provide clarity on your protection.

Document Your Property Before Winter

Proper documentation is key to supporting an insurance claim. Take these steps before the first snowfall:

Photograph Your Home: Capture clear photos and videos of your property, including the roof, siding, windows, and landscaping.
Inventory Valuables: Document high-value items inside your home, such as electronics, furniture, and appliances.
Save Receipts: Keep records of recent repairs or upgrades, as these may help validate your claim.

This documentation provides a baseline to demonstrate the extent of any winter damage.

Preventative Maintenance

Insurance policies often exclude damage caused by neglect. Regular maintenance can help prevent winter-related issues and demonstrate due diligence if you need to file a claim.

1. Insulate Pipes

Wrap exposed pipes in unheated areas with insulation to prevent freezing. Consider installing heat tape or pipe sleeves for extra protection.

2. Check Your Roof

Inspect your roof for loose shingles, cracks, or other vulnerabilities. Clear debris from gutters to ensure proper drainage.

3. Trim Trees

Remove dead or overhanging branches near your home to reduce the risk of falling trees during snow or ice storms.

4. Maintain Your Heating System

Schedule a professional inspection of your furnace or boiler to ensure it’s in good working order. A failure during freezing temperatures can lead to extensive damage.

5. Seal Drafts

Seal cracks around windows and doors to prevent heat loss and ice dams caused by uneven roof temperatures.

Know the Claims Process

Understanding the insurance claims process can help you act quickly if disaster strikes.

1. Report Damage Promptly

Notify your insurance company as soon as you discover damage. Delayed reporting can lead to claim denials.

2. Mitigate Further Damage

Take immediate steps to prevent additional damage, such as covering a damaged roof with a tarp or shutting off the water supply to a burst pipe.

3. Document the Damage

Take photos and videos of the damage before making temporary repairs. This evidence is crucial for your claim.

4. Get Estimates

Obtain repair estimates from licensed contractors to support your claim and challenge lowball offers from the insurer.

5. Consult a Public Adjuster

If you encounter challenges with your claim, a public adjuster can advocate for you and negotiate a fair settlement.

How A Public Adjuster Can Help

Winter weather claims can be complex, especially when insurers dispute the cause of damage or the cost of repairs. A public adjuster works exclusively for you, not the insurance company, to ensure your claim is handled fairly.

At A H Neaman Company, we specialize in helping homeowners in Pennsylvania, West Virginia, and Marylandnavigate the claims process. Our services include:

Thorough Damage Assessments: We document all damage to ensure no detail is overlooked.
Policy Reviews: We identify all coverage applicable to your claim.
Negotiation with Insurers: We advocate for a fair settlement, so you receive the compensation you deserve.

Be Proactive This Winter

Preparation is the key to minimizing damage and ensuring a smooth claims process. By reviewing your policy, documenting your property, performing preventative maintenance, and understanding the claims process, you can protect your home and financial well-being during the winter months.

If winter weather damages your home, don’t face the insurance process alone. A H Neaman Company is here to help homeowners in PA, WV, and MD fight for the settlements they deserve. Contact us today to learn how we can assist with your winter weather insurance claim.

Do You Need a Public Adjuster for Small Insurance Claims?

A H Neaman on January 1, 2025

When disaster strikes, whether it’s a burst pipe, minor storm damage, or a small fire, homeowners often wonder whether hiring a public adjuster is necessary for smaller insurance claims. Public adjusters are professionals who represent policyholders during the insurance claims process, ensuring fair treatment and maximum compensation. But does their expertise extend to smaller claims?

At A H Neaman Company, we’ve helped countless homeowners in Pennsylvania, West Virginia, and Marylandnavigate insurance claims of all sizes. Let’s explore whether hiring a public adjuster is right for your small claim.

What is a Small Insurance Claim?

Small insurance claims typically involve lower-value losses, such as:

Minor roof damage from a storm.
Water damage from a plumbing issue.
Hail damage to siding or gutters.
Fire damage limited to one area.

These claims are generally less complex than large-scale disasters, but they still require proper documentation and negotiation to ensure fair compensation.

Challenges of Filing a Small Insurance Claim

Even for small claims, policyholders face several challenges, including:

1. Underpayment by Insurers

Insurance companies often seek to minimize payouts, offering settlements that may not fully cover the cost of repairs.

2. Complex Policy Language

Understanding the terms, conditions, and exclusions in your policy can be difficult without expertise.

3. Inadequate Documentation

Homeowners may unintentionally miss important details when documenting damages, leading to reduced payouts.

4. Stress and Time Commitment

Managing an insurance claim can be time-consuming and stressful, especially if you’re also dealing with repairs.

The Role of a Public Adjuster in Small Claims

Public adjusters work exclusively for policyholders, not insurance companies. Here’s how they can add value to small claims:

1. Accurate Damage Assessment

Public adjusters conduct thorough inspections to document the full extent of the damage, ensuring nothing is overlooked.

2. Maximizing Compensation

By understanding the nuances of insurance policies, public adjusters can negotiate higher settlements than most homeowners can achieve on their own.

3. Saving Time and Reducing Stress

Public adjusters handle all aspects of the claim, including paperwork, communication, and negotiations, freeing you to focus on other priorities.

4. Preventing Denials

Small claims can be denied due to technicalities or insufficient documentation. A public adjuster ensures your claim is filed correctly and complies with policy requirements.

When to Hire a Public Adjuster for Small Claims

While not every small claim requires a public adjuster, there are situations where their expertise is invaluable:

1. Complex Policies or Coverage Questions

If your policy has unclear language or exclusions, a public adjuster can help clarify what’s covered.

2. Disputes Over Damage Value

If you believe the insurer’s estimate is too low, a public adjuster can provide a more accurate assessment and negotiate a fair settlement.

3. Denied or Delayed Claims

For denied claims, a public adjuster can review the denial and assist in appealing the decision. They can also expedite the process for delayed claims.

4. High Deductibles

If your deductible is high, the insurer may offer a settlement barely above the deductible amount. A public adjuster can advocate for a better payout.

5. Lack of Time or Expertise

If you’re unfamiliar with the claims process or simply don’t have the time to manage it, hiring a public adjuster can ensure a smoother experience.

Cost Considerations

Public adjusters typically work on a contingency basis, meaning they only get paid a percentage of the settlement amount if you receive compensation. For smaller claims, it’s important to weigh the cost of hiring a public adjuster against the potential increase in your payout.

At A H Neaman Company, we offer transparent and competitive rates, ensuring you receive the maximum value for our services.

Benefits of Hiring A H Neaman Company

As experienced public adjusters serving Pennsylvania, West Virginia, and Maryland, we’ve helped homeowners with claims of all sizes. Our team provides:

Comprehensive Policy Reviews: We identify all coverages applicable to your claim.
Detailed Damage Documentation: Using photos, videos, and expert assessments, we build a strong case for your claim.
Expert Negotiation: We advocate on your behalf, ensuring the insurance company offers a fair settlement.
Peace of Mind: With us handling your claim, you can rest assured that every detail is managed professionally.

Why Small Claims Still Matter

Some homeowners hesitate to file small claims, fearing rate increases or policy non-renewals. However, ignoring legitimate damage can lead to larger, costlier problems down the road. Filing a claim ensures your property is properly repaired and maintains its value.

By partnering with a public adjuster, you can feel confident that your claim is handled correctly, no matter the size.

Conclusion

Even small insurance claims can benefit from the expertise of a public adjuster. From accurate damage assessments to navigating policy complexities, public adjusters ensure you receive fair compensation without the stress of managing the process alone.

If you’re filing an insurance claim in Pennsylvania, West Virginia, or Maryland, let A H Neaman Company be your trusted partner. Whether your claim is large or small, we’re here to fight for the settlement you deserve. Contact us today to learn how we can help!

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.

Understanding Additional Living Expenses Coverage in Your Policy

A H Neaman on December 27, 2024

When unexpected disasters strike, such as a fire, flood, or severe storm, the immediate concern for many homeowners is where they will live if their home becomes uninhabitable. This is where Additional Living Expenses (ALE) coverage in your homeowners insurance policy comes into play. While ALE is designed to provide financial relief during challenging times, many homeowners are unaware of how it works or how to maximize its benefits.

As a public adjuster serving Pennsylvania, West Virginia, and Maryland, A H Neaman Company is here to demystify ALE coverage and help you navigate your insurance claim efficiently. Let’s dive into the details of ALE, including what it covers, how to use it, and what to watch out for when filing a claim.

What Is Additional Living Expenses Coverage?

Additional Living Expenses (ALE) coverage is a component of most standard homeowners insurance policies. It provides financial assistance to cover the extra costs of living away from home when your property is damaged and deemed uninhabitable due to a covered peril, such as fire or storm damage.

What Does ALE Cover?

ALE coverage typically includes:

Temporary Housing Costs: Rent for an apartment, hotel stays, or other temporary accommodations.
Increased Food Expenses: The difference between your normal grocery budget and the cost of eating out or ordering food.
Transportation Costs: Extra travel expenses incurred, such as commuting from a farther location to work or school.
Storage Fees: Costs to store your belongings while your home is being repaired.
Pet Boarding: Expenses for boarding pets if your temporary accommodations do not allow them.

How Does ALE Work?

1. Policy Limits

ALE coverage typically has a limit, which is usually a percentage of your dwelling coverage. For example, if your home is insured for $300,000, your ALE limit might be 20%, giving you $60,000 in coverage for additional living expenses.

2. Time Frame

Most policies only cover ALE expenses for a specific period, such as 12 to 24 months, or until your home is repaired, whichever comes first.

3. Receipts and Documentation

To receive reimbursement, you must provide detailed receipts and documentation of all expenses incurred. Keeping accurate records is critical to ensuring you are fully compensated.

Common Challenges with ALE Claims

While ALE coverage is straightforward in theory, homeowners often face challenges when filing claims, including:

Disputes Over “Uninhabitable” Conditions
Insurance companies may argue that your home is still livable, even if the conditions are less than ideal. For example, if only part of your home is damaged, they might insist that you can stay in the undamaged portion.
Insufficient Coverage
ALE limits can run out quickly, especially if repairs take longer than anticipated. Understanding your policy limits beforehand is crucial.
Delayed Reimbursement
Without thorough documentation, insurance companies may delay reimbursing your expenses, leaving you financially strained during an already stressful time.

How a Public Adjuster Can Help with ALE Claims

Navigating an ALE claim can be overwhelming, particularly when you’re already dealing with the emotional and logistical challenges of displacement. That’s where a public adjuster can make a difference.

Key Benefits of Hiring a Public Adjuster

Policy Analysis
A public adjuster will review your policy to determine the exact ALE coverage you’re entitled to, ensuring you don’t leave money on the table.
Damage Assessment
We provide a thorough assessment of your home’s condition to demonstrate to your insurer that it’s uninhabitable.
Expense Tracking
Public adjusters help you organize and document your ALE-related expenses to expedite reimbursement.
Negotiation with Insurers
We act as your advocate, pushing back against unreasonable delays or disputes and ensuring you receive the full benefits of your ALE coverage.

ALE Coverage in Pennsylvania, West Virginia, and Maryland

Homeowners in Pennsylvania, West Virginia, and Maryland often face unique challenges when filing ALE claims due to differences in state regulations and varying interpretations of policy terms.

As a public adjuster serving these states, A H Neaman Company has extensive experience handling ALE claims and understands the nuances of local insurance policies. Whether you’re dealing with severe weather damage in Pennsylvania, flood damage in West Virginia, or storm-related displacement in Maryland, we’re here to guide you through the claims process and secure the compensation you deserve.

Tips for Maximizing Your ALE Coverage

Understand Your Policy
Review your insurance policy to understand your ALE limits, exclusions, and time frame.
Act Quickly
Notify your insurance company immediately if your home becomes uninhabitable. Delays in filing can complicate your claim.
Document Everything
Keep detailed records of all expenses, including receipts, invoices, and notes about why each expense was necessary.
Get Professional Help
Enlist the help of a public adjuster to ensure your claim is handled efficiently and fairly.

Why Choose A H Neaman Company?

At A H Neaman Company, we specialize in helping homeowners navigate insurance claims, including those involving ALE coverage. Our team works tirelessly to ensure you receive the full benefits of your policy while minimizing stress and delays.

What We Offer

Expert Policy Review: We help you understand your ALE coverage and rights.
Thorough Documentation: Our team ensures all expenses are properly documented and submitted to your insurer.
Advocacy: We negotiate with insurance companies on your behalf, fighting for the compensation you deserve.

Conclusion

Understanding Additional Living Expenses (ALE) coverage is essential for protecting yourself during a crisis. While this coverage can provide much-needed financial relief, navigating the claims process can be challenging without professional assistance.

If you’re dealing with an ALE claim in Pennsylvania, West Virginia, or Maryland, let A H Neaman Company help. We’ll fight for your rights and work to get you the compensation you need to rebuild and recover. Contact us today to learn how we can support you during this difficult time.

The Hidden Costs of Delayed Insurance Claims

A H Neaman on December 25, 2024

When disaster strikes, filing an insurance claim should be the first step toward recovering your property and peace of mind. Unfortunately, delays in processing claims can create hidden costs that homeowners may not anticipate. These costs can significantly impact your financial stability and prolong the recovery process. As a licensed public adjuster serving Pennsylvania, West Virginia, and Maryland, A H Neaman Company is here to help you avoid these pitfalls and get the settlement you deserve without unnecessary delays.

Why Insurance Claims Are Delayed

There are several reasons why insurance claims may take longer than expected:

Incomplete Documentation: Missing or inaccurate paperwork can slow down the claims process.
High Claim Volume: After natural disasters, insurance companies often deal with a surge of claims, leading to delays.
Disputes Over Damage Assessment: Disagreements between the homeowner and the insurer about the extent of the damage can cause delays.
Poor Communication: Miscommunication or a lack of response from the insurance company can leave homeowners in limbo.
Intentional Delays: In some cases, insurers may delay claims to pressure policyholders into accepting lower settlements.

The Financial Impact of Delayed Claims

Delays in processing insurance claims can have a ripple effect on your finances, including:

1. Temporary Housing Costs

If your home is uninhabitable due to damage, you may need to stay in a hotel or rental property. These costs can add up quickly, especially if your insurance claim is delayed.

2. Out-of-Pocket Expenses

While waiting for your insurance payout, you might have to pay for immediate repairs or replacements out of your own pocket. This can strain your budget, particularly if you’re dealing with significant damage.

3. Lost Time and Productivity

Handling a delayed claim often requires constant follow-ups and additional documentation. This can take time away from work or other responsibilities, leading to lost income or productivity.

4. Further Property Damage

Delays in addressing damage can lead to additional problems, such as mold growth, structural issues, or worsening water damage. These secondary damages can increase the overall cost of repairs.

5. Stress and Emotional Toll

Beyond the financial impact, the stress of dealing with a delayed claim can take a toll on your mental and emotional well-being. Prolonged uncertainty about your home and finances can affect your quality of life.

How a Public Adjuster Can Help Prevent Delays

Hiring a public adjuster is one of the most effective ways to avoid the hidden costs of delayed insurance claims. Public adjusters work exclusively for policyholders, advocating on your behalf to ensure your claim is processed efficiently and fairly.

Benefits of Working with a Public Adjuster

Thorough Documentation: Public adjusters ensure all required paperwork and evidence are complete and accurate.
Expert Negotiation: They handle communication with the insurance company, preventing miscommunication or intentional delays.
Timely Follow-Ups: Public adjusters stay on top of your claim, keeping the process moving forward.
Accurate Damage Assessment: They conduct a comprehensive evaluation of the damage to ensure no detail is overlooked.
Faster Settlements: With a professional managing your claim, you’re more likely to receive a timely payout.

Why Choose A H Neaman Company?

At A H Neaman Company, we understand the frustration and financial strain caused by delayed insurance claims. As licensed public adjusters serving Pennsylvania, West Virginia, and Maryland, we’re dedicated to helping homeowners navigate the claims process with confidence and ease.

Here’s how we can assist:

Personalized Support: Every claim is unique, and we tailor our approach to meet your specific needs.
Comprehensive Documentation: We ensure all paperwork is complete and submitted promptly to avoid delays.
Effective Communication: Our team acts as a liaison between you and your insurance company, ensuring clear and consistent communication.
Fair Settlements: We fight for the compensation you deserve, so you don’t have to settle for less.

Tips for Avoiding Delayed Insurance Claims

File Your Claim Promptly
Notify your insurance company as soon as possible after a loss. Delays in filing can complicate the process.
Provide Detailed Documentation
Take photos and videos of the damage, keep receipts for temporary repairs, and gather any relevant paperwork.
Understand Your Policy
Familiarize yourself with your policy’s terms, including coverage limits, exclusions, and the claims process.
Hire a Public Adjuster Early
Enlisting the help of a public adjuster from the start can prevent delays and ensure your claim is handled efficiently.
Stay Proactive
Follow up with your insurance company regularly and keep records of all communications.

The Role of a Public Adjuster in PA, WV, and MD

In states like Pennsylvania, West Virginia, and Maryland, homeowners often face unique challenges when dealing with insurance claims, from navigating state regulations to handling disputes with insurers. A public adjuster familiar with these states can make all the difference in ensuring a smooth and successful claims process.

At A H Neaman Company, we bring local expertise and a commitment to excellence to every claim we handle. Our goal is to help homeowners recover quickly and minimize the hidden costs of delays.

Conclusion

Delays in insurance claims can lead to significant hidden costs, from temporary housing expenses to further property damage. Understanding the causes of these delays and taking proactive steps—such as hiring a public adjuster—can help homeowners avoid unnecessary stress and financial strain.

If you’re dealing with a delayed insurance claim in Pennsylvania, West Virginia, or Maryland, don’t face it alone. A H Neaman Company is here to help. We’ll fight for your rights, streamline the claims process, and ensure you receive the compensation you deserve. Contact us today to take the first step toward resolving your claim.

What Does an Insurance Appraisal Mean for Homeowners?

A H Neaman on December 23, 2024

When disaster strikes and homeowners file an insurance claim, they often expect the process to be straightforward. However, disputes can arise over the value of the damage or the settlement amount. This is where an insurance appraisal becomes a crucial tool in resolving disagreements. If you’re a homeowner in Pennsylvania, West Virginia, or Maryland, understanding the appraisal process can help you navigate disputes effectively and ensure you receive a fair settlement.

What Is an Insurance Appraisal?

An insurance appraisal is a formal process used to resolve disputes between policyholders and insurance companies about the value of a property damage claim. It’s not a legal proceeding, but rather a method outlined in most homeowner insurance policies to address valuation disagreements without going to court.

The appraisal process involves three main parties:

The Policyholder’s Appraiser: Chosen by the homeowner to represent their interests.
The Insurance Company’s Appraiser: Represents the insurer’s perspective.
An Umpire: A neutral third party selected by the two appraisers. If the appraisers cannot agree on the value of the loss, the umpire makes the final decision.

The outcome of the appraisal is binding, meaning both parties must accept the decision.

When Is an Insurance Appraisal Necessary?

An insurance appraisal is typically used when there’s a disagreement about the value of damages, not about coverage. For example, if a storm damages your roof and you believe the repairs will cost $20,000, but your insurance company only offers $10,000, an appraisal can help resolve the dispute.

Common scenarios where appraisals may be necessary include:

Disputes over the cost of fire, water, or storm damage repairs.
Differences in opinion about the extent of structural damage.
Disagreements about the replacement value of personal property.

How Does the Appraisal Process Work?

The insurance appraisal process typically unfolds as follows:

Initiation
Either the homeowner or the insurance company can request an appraisal. The request must be made in writing, following the procedures outlined in the policy.
Selection of Appraisers
Both parties select their own appraisers. It’s important to choose an experienced and knowledgeable professional, such as a licensed public adjuster.
Agreement on an Umpire
If the two appraisers can’t agree on the value of the loss, they jointly select an umpire. If they can’t agree on an umpire, the court may appoint one.
Appraisal Meeting
The appraisers and umpire review the evidence, inspect the damage, and determine the value of the loss.
Final Decision
If the appraisers agree on the value, their decision is binding. If they cannot agree, the umpire’s decision becomes binding.

Why Should Homeowners Consider Hiring a Public Adjuster?

Navigating the appraisal process can be daunting for homeowners, especially when dealing with an insurance company that has vast resources at its disposal. This is where hiring a public adjuster can make a significant difference.

Public adjusters are licensed professionals who work exclusively for policyholders to ensure they receive a fair settlement. They bring expertise to the table, including:

Conducting a thorough evaluation of the damage.
Compiling evidence to support your claim.
Negotiating with the insurance company’s appraiser.

At A H Neaman Company, we are experienced public adjusters serving homeowners in Pennsylvania, West Virginia, and Maryland. We advocate for your best interests throughout the appraisal process, helping you secure the compensation you deserve.

Benefits of the Insurance Appraisal Process

The appraisal process offers several advantages for homeowners:

Cost-Effective Dispute Resolution
Unlike litigation, the appraisal process is relatively inexpensive and quicker.
Expert Input
Both sides present their case to professionals with expertise in property valuation and damage assessment.
Binding Decision
Once the appraisal decision is made, it’s binding, providing closure and avoiding prolonged disputes.
Preservation of Relationships
The appraisal process is less adversarial than a lawsuit, helping maintain a professional relationship with your insurer.

Potential Challenges in the Appraisal Process

While the appraisal process has many benefits, it’s not without challenges:

Costs: Homeowners are responsible for paying their appraiser’s fees and sharing the umpire’s costs.
Complexity: Without proper guidance, the process can be confusing and overwhelming.
Limited Scope: Appraisals only resolve disputes about the value of damages, not coverage issues.

To overcome these challenges, it’s crucial to work with an experienced public adjuster who understands the intricacies of the process.

How A H Neaman Company Can Help

At A H Neaman Company, we specialize in representing homeowners during the insurance claims process, including appraisals. Our team is licensed to serve clients in Pennsylvania, West Virginia, and Maryland, and we bring years of experience to every case.

We provide:

Comprehensive Damage Assessment: Ensuring no detail is overlooked.
Expert Negotiation: Advocating for a fair settlement on your behalf.
Transparent Communication: Keeping you informed every step of the way.

Don’t let an undervalued claim add stress to an already challenging situation. We’re here to fight for your rights and help you maximize your settlement.

Conclusion

The insurance appraisal process can be an invaluable tool for homeowners facing disputes over claim valuations. By understanding how the process works and enlisting the help of a knowledgeable public adjuster, you can ensure a fair and timely resolution.

If you’re dealing with an insurance claim dispute in Pennsylvania, West Virginia, or Maryland, contact A H Neaman Company today. Let us handle the appraisal process and help you get the compensation you deserve.

Public Adjuster: Top Questions to Ask Before Hiring

A H Neaman on December 20, 2024

When disaster strikes and you’re left to deal with the aftermath, navigating the insurance claims process can feel overwhelming. That’s where a public adjuster comes in—a licensed professional who works on your behalf to ensure you receive the compensation you’re entitled to from your insurance company.

Hiring the right public adjuster can make a significant difference in the outcome of your claim, but how do you know who to trust? Asking the right questions before hiring a public adjuster is crucial. If you’re a homeowner or business owner in Pennsylvania, West Virginia, or Maryland, this guide will help you identify the best public adjuster for your needs.

Public Adjuster

1. Are You A Licensed Public Adjuster in My State?

One of the first and most important questions to ask a public adjuster is whether they are licensed in your state. Each state has its own licensing requirements for public adjusters, and working with someone who isn’t licensed can jeopardize your claim.

In Pennsylvania, West Virginia, and Maryland, public adjusters must meet specific licensing criteria to operate legally. At A H Neaman Company, we are fully licensed in all three states, ensuring you receive professional and compliant representation.

2. How Much Experience Do You Have with My Type of Claim?

Not all insurance claims are the same. Water damage, fire damage, storm damage, and business interruption claims each require unique expertise. Ask the public adjuster about their experience handling claims similar to yours.

An experienced adjuster will understand the nuances of your specific situation, such as identifying hidden damages or negotiating with insurers for fair settlements. For example, A H Neaman Company has extensive experience handling residential and commercial claims across Pennsylvania, West Virginia, and Maryland, providing tailored solutions for each client.

3. What Is Your Fee Structure?

Public adjusters typically work on a contingency fee basis, meaning they take a percentage of the settlement they secure for you. It’s important to ask about the fee structure upfront to avoid surprises later.

Ask:

What percentage do you charge?
Are there additional fees I should know about?
When is payment due?

Reputable public adjusters are transparent about their fees. At A H Neaman Company, we clearly outline our fee structure so you can make an informed decision.

4. Can You Provide References or Testimonials?

A trustworthy public adjuster will have a track record of satisfied clients. Ask for references or testimonials from homeowners or business owners who have worked with them in the past.

Look for:

Success stories with similar claims.
Positive feedback about communication and professionalism.
Evidence of maximizing claim payouts.

Checking online reviews and asking for referrals from friends or family can also provide valuable insight.

5. What Is Your Process for Handling Claims?

Understanding how a public adjuster approaches the claims process can give you confidence in their abilities. Ask them to outline their process step by step, including how they:

Assess and document damage.
Prepare and submit the claim.
Negotiate with the insurance company.

A professional public adjuster will have a clear and organized approach to managing your claim. At A H Neaman Company, we pride ourselves on our thorough and transparent process, keeping clients informed every step of the way.

6. How Long Will the Process Take?

Insurance claims can be time-sensitive, especially if you’re dealing with significant property damage or business interruptions. Ask the public adjuster for an estimated timeline for your claim.

While some delays are beyond their control, an experienced adjuster should be able to provide a general timeframe and explain the factors that might affect the process.

7. How Do You Communicate with Clients?

Communication is key when working with a public adjuster. Ask how often they will update you on the progress of your claim and what methods they use for communication (e.g., phone, email, in-person meetings).

A reliable adjuster will prioritize keeping you informed and answering your questions promptly. At A H Neaman Company, we maintain open lines of communication to ensure our clients feel supported throughout the claims process.

8. What Sets You Apart from Other Public Adjusters?

This question gives the adjuster an opportunity to showcase their unique strengths and experience. Whether it’s their track record of successful claims, industry expertise, or dedication to client satisfaction, their answer can help you determine if they’re the right fit.

At A H Neaman Company, our personalized approach, commitment to maximizing settlements, and deep knowledge of insurance laws in Pennsylvania, West Virginia, and Maryland set us apart.

9. Do You Have Experience Working with My Insurance Company?

Every insurance company has its own processes and policies, and having an adjuster who is familiar with your insurer can be a significant advantage.

Ask if the public adjuster has dealt with your insurance company before and whether they’ve successfully negotiated settlements with them.

10. Are You Available for a Free Consultation?

Many public adjusters offer free consultations to assess your situation and determine if they can help. Take advantage of this opportunity to ask additional questions and gauge their professionalism.

A free consultation also allows you to discuss the specifics of your claim and get a sense of their approach before committing.

Conclusion

Hiring a public adjuster is a critical step in ensuring you receive the compensation you deserve for your insurance claim. By asking the right questions, you can find a trusted professional who will advocate for your best interests.

At A H Neaman Company, we are proud to serve homeowners and business owners in Pennsylvania, West Virginia, and Maryland. Our experienced team is dedicated to helping you navigate the claims process and securing the maximum settlement for your damages.

If you’re facing an insurance claim, don’t go it alone. Contact A H Neaman Company today to schedule a free consultation. We’ll fight for your rights and help you get the money you deserve.