Rick Kinney
"I am committed to using my knowledge, understanding, and 33 Years of full-time home claims settlement practice and experience as your Public Adjuster Doylestown. SINCE 1992 I have been Offering Home Claim Consulting Help to all Doylestown Homeowners, Business owners, Renters as your Property Damage Home Claim Expert Advocate Public Adjuster Doylestown.
Overview
I am honored to serve you as your " Public Adjuster Doylestown". I am committed to making a positive difference in maximizing all Property Damage Home Claim Settlements that my firm "Advocate Public Adjustment" offers that competitors do not!
On this website, you will find information about all of the services offered as your "Doylestown Public Adjuster" and my vision for providing Home Claim Help to all that need it when their property is damaged as the result of a sudden and accidental occurrence.
Priority Issues
There are several issues to consider when filing a Homeowner Insurance Claim.
Especially, when requesting payment from the almighty and powerful insurance company.
My firm "Advocate Public Adjustment" was created in 2003. Although, I have been practicing as a licensed Public Adjuster Doylestown since 1992. I have negotiated every type of claim possible since then.
I have identified several key points that must be considered when pursuing "First Party" Property Damage Home Claim Settlements successfully. Such as...
01
Having a Policy that will pay for the damage...
Not all policies are the same! There are basically five policy types available for homeowners.
Do you know and understand your policy type?
Modified Repair Form 8
Basic Form 1
Broad Form 2
Special Form 3
Extended Form 5
02
Estimating the property damage accurately...
Growing up in the trades, and working in a lumber yard in Newtown, Bucks County.
In addition, to having a Paralegal Degree, a Real Estate Salesperson license, now in escrow helps with determining the valuation process. Using line item unit cost estimating software systems in this industry is a must.
03
Protecting property from further damage...
All policies state that you "MUST" protect your property from further damage. This is a Duty and Responsible that is listed in the SECTION 1 - CONDITIONS part of the policy.
Understanding these Conditions listed therein must be complied with entirely. If not, Big problems may develop, jeopardizing your claim.
04
Meeting with the insurance company representatives...
Understanding what kind of adjuster is assigned to your loss is critical. Why? Because this will determine whether the adjuster has draft authority. How much draft authority? Will that adjuster be able to positively 100% determine if the loss is covered? Meeting with preferred contractors, mitigation vendors, engineers, I know how this works...
Vision & Beliefs as your public adjuster doylestown
I am guided by a set of core values that help me make the best decisions, as your Public Adjuster Doylestown:
- Being up front and honest with you at all times. No matter what the circumstances are. I must inform you of the Good, Bad, and Ugly in order for you to make the best decisions that are best for you and your family.
- Accountability.. acting accordingly with all state insurance department rules and regulations. In addition, to documenting claim details and giving you copies of everything submitted on your behalf. Nothing to hide from you! Total Transparency.
- Giving you all of the options that allow you to make the decisions necessary to settle or pursue additional benefits. This is your decision to make not ours. I will make certain that you fully understand your options that maybe available based on the merits of your specific claim.
-
And if you are considering doing this yourself, then having an education with regards to this unique industry really matters. Having over 33 years experience in the Property Damage Claims Industry as a Public Adjuster Doylestown, and as an Property Damage Claims Educator, Property Damage Claims Coach you can do this with my 9-Step Home Claim Video Course.
Yes, you heard that correctly. I have another company called "Property Claim Tips, LLC" that offers a 9-Step Video Home Claims Course. No other public adjuster offers this...! Educating you ENTIRELY about the Home Claims Process and TRADE SECRETS. NO OTHER PUBLIC ADJUSTER OFFERS THIS SERVICE.
Goals as your public adjuster doylestown
In order to achieve my goal, which is, negotiating a successful property damage home claim settlement as your Public Adjuster Doylestown. I must address and act within the "Conditions & Terms" of your particular policy.
PUBLIC ADJUSTER | PROPERTY DAMAGE INSURANCE ESTIMATES | PRICING DISPUTE RESOLUTION | DO-IT-YOURSELF (PCT) PROPERTY CLAIM TIP
We cannot discard damaged property...
The insurance company has the right to inspect the damage in its damaged condition. Violating this right could cause a problem.
Pricing Dispute Resolution options when they occur...
Just because the insurance company feels your claim is worth XYZ dollar amount, does not mean that you have to accept that valuation. There are options. Call Your Public Adjuster Doylestown who is ADVOCATE PUBLIC ADJUSTMENT (215) 364-4546
We must always be creditable,ethical and not misrepresent any material facts...
Just one false statement could jeopardize your entire claim. In addition, to having a Special Investigations Unit (SIU) intervene with the claim process at that point in time. Not a good thing to have happen. Or, by simply inflating claims on your behalf claiming everything under the sun as damaged from a sudden and single occurrence.
This is why we give you a copy of our estimate that states a specific dollar amount that is being claimed on your behalf as your Public Adjuster Doylestown.
In addition, we are compelled to give you copies of all written correspondence to and from the insurance company as your Advocate Public Adjuster Doylestown. We have absolutely nothing to hide from you.
If asked to submit your Sworn Statement in Proof of loss, then you must comply...
This is a policy condition that is listed in SECTION 1 - CONDITIONS part of the policy. Specifically, under "Your Duties & Responsibilities After a Loss".
If the insurance company demands in writing, that you send to them your Sworn Statement in Proof of Loss (SSPOL) then, you must comply with this request and within the time period stated in your policy. Typically, 60 days from their written demand. But not always! This form must be filled out accurately and you need to justify the dollar amount being claimed. You or we cannot just make figures up and state that we are making a claim for first party benefits in the dollar amount stated without having justification that the price is proven to be accurate reflection of the damages sustained to your property.