Insurance companies just deal with smoke as a smell issue. Smoke contains many harmful toxic elements that are harmful to you and your family says Troy Payne. Don’t let an adjuster tell you he can’t smell any smoke. Have your home tested by a professional Loss Solutions company. Find out what harmful carcinogens are in your walls.

Troy Payne says You can use your own adjuster. You don’t have to just trust the adjuster that the insurance company sends out. Why would you? You need someone on your side to look at everything with your interest in mind. Some one that is not worried about the insurance company making a profit. The state allows this because they know its the only way to have a fair settlement.

Make sure you know the dangers to your family after you survived a fire. Contact Loss Analytics to find out how to protect your family from these devastating dangers says Troy Payne

Don’t let insurance companies fool you says Troy Payne. They are all about one thing. Making money and that means paying out as little as they can possibly pay out on your claim. They will Delay, Delay and Deny unless you have a professional to help you.

You had a fire and now you must find a place to live. But what are you entitled to?

You are entitled to exactly what you had up to the limits of your policy. In other words if you had a 3 bedroom, 3 bath, with a 2 car garage and a swimming pool and big screen TV then you are entitled to that says Troy Payne.

The adjuster may suggest a hotel. This might be nice for a few nights but remember the last time you went on a vacation and how even though you had fun you were glad to be home. With room for the kids, the dogs and your bed. Point is even the Ritz Carlton will get old in a few days. So find exactly what you had. Get comfortable and realize to do the repairs and settle the claim properly will take time.

This duty has been litigated over and over so make sure you understand your obligations and your rights. Most policies do have a cap as to the limits but it is usually enough to live comfortably while the repairs are being made.

We will meet with you free of charge and educate you as to the process, explain to you the do’s and more importantly the DONTS!

We will review your policy with you free of charge. After our consultation if you feel you need our help we will be glad to assist you. If you feel you can handle the claim yourself you will be better educated to do so.

You had a fire, Now what do you do?

The insurance adjuster will prepare an estimate of the damages, Why is his estimate so low says Troy Payne?

First and foremost you must understand that his loyalty is to the insurance company he works for, therefore he is not paid to find all the damage.

He also is not actually qualified to prepare an estimate properly. He has gone to a few days of schooling on the computer program his company uses, and he has been an adjuster for years and years he will tell you. But has he ever built a home himself?  No! Is he a licensed contractor that does this work for a living? No!

So he says he will have a local contractor write the estimate, but this contractor works for the insurance company. They get multiple jobs a week from this insurance company so they too are loyal to the insurance company. If you don’t sign a contract with them they will spend an hour or so and prepare an estimate and they say if they missed anything they can give the adjuster a supplement to the claim. But how is this good for you. They are in control with the adjuster and yet this is your property.

Why not get the estimate right the first time. Why not have someone that is on your side protecting your interests prepare an estimate free of charge. An estimate that is prepared by someone that is considered an expert through federal court. This is what we supply you with. We do it right from the start.

The difference between our estimate and the insurance companies first estimate is substantial. Many times 50% to 100% more. Why? Because we care about your interests. It is our job to look and find all the damage, to prove our position, to treat this loss like it was our own and make sure you are paid properly for the damages.

We will meet with you free of charge and educate you as to the process, explain to you the do’s and more importantly the DONTS!

We will review your policy with you free of charge. After our consultation if you feel you need our help we will be glad to assist you. If you feel you can handle the claim yourself you will be better educated to do so

Time is very important! Take the time to learn and contact us to meet with you.

You had a fire, Now what do you do?

Do you have a copy of your insurance policy? If so have your read it? But the big question is do you understand it?

This could be the most important financial decision you make in your lifetime. You need help to understand your insurance policy. It is a legal and binding CONTRACT.

You can read it but do you know the case law that goes along with it. Some times the policy seems to say one thing but the law interprets it as something totally different. The policy may say in plain English that something is not covered. However the local case law says it is covered. This could be huge to you.

Troy Payne says we can provide hundreds of examples of this situation. We know the case law; we study the current litigation that is in process so we can aide you properly in the handling of your claim.

We will meet with you free of charge and educate you as to the process, explain to you the do’s and more importantly the DONTS!

We will review your policy with you free of charge. After our consultation if you feel you need our help we will be glad to assist you. If you feel you can handle the claim yourself you will be better educated to do so

Time is very important! Take the time to learn and contact us to meet with you.

You had a fire, Now what do you do?

The insurance adjuster will want you to sign a contract with a local restoration contractor that he works with daily. Why is this bad? Why should you control the money?

The local contractor will tell you that if you sign with him, he will work with the adjuster and get paid from the insurance company directly. In other words the adjuster and the contractor control the money. This is never good says Troy Payne.

Your policy explains that you present your loss to the insurance company. They then must pay for the repairs to return you to the exact position you were one second prior to the fire. That means no smoke inside your walls. The adjuster will want to save things. The contractor he recommends will go along with this because he gets multiple jobs a week from the insurance company so he has to go along with the adjuster.

If you make changes to your project, you want granite tops in the kitchen in-lieu of the Formica you had the contractor will charge you extra. But if you CONTROL the money you can save in one place and spend extra in another.

We will meet with you free of charge and educate you as to the process, explain to you the do’s and more importantly the DONTS!

We will review your policy with you free of charge. After our consultation if you feel you need our help we will be glad to assist you. If you feel you can handle the claim yourself you will be better educated to do so

Time is very important! Take the time to learn and contact us to meet with you.