How Our Process Works
First you engage our services. All you need to do is call us, or email us. Go to our contact page for that information or go ahead and request a free property inspection, so we can schedule an appointment to assess your damages and go over your policy.
Paperwork. Once it’s established that there is adequate damage and a “case” so to speak, a contract is signed. No fine print, no fancy wording, just a contract to say you have given permission for Noble Public Adjusting Group to represent you and speak with the insurance company on your behalf.
Retrieve Data. The next step is to “scope” the property; which includes taking pictures, measurements, and other information about your damages. This can be done the same day of your free inspection, or when you’re ready. We work 6 days a week and have flexible meeting hours, so it should be easy to come to an agreement on an appropriate time.
We file your claim. Next we notify your Insurance Company, send in the appropriate forms and send them our professional damage estimate. Usually this is when the Insurance company will send out their staff adjuster or independent adjuster to assess the damages and write up an estimate on their behalf. We meet with the Insurance company’s adjuster for an “inspection” at your property to help him/her see all of the damages . You can be there to listen in or we can handle it while you’re at work or away. Vacation homes are something we see quite often in Florida, so if you can’t be at the property for inspections, that’s okay, as long as you make provisions for us to get a key or have someone let us in, it’s no problem at all.
Negotiation phase. The staff adjuster’s estimate is then turned in to the higher ups for approval and they dictate to him/her what will be paid on your claim. This is when the negotiations begin. We do all of the negotiating for you. Negotiation time can range from a few days to a few months, it really depends on how efficient your insurance company is. During this process our office staff will contact them almost daily by phone and e-mail to check the status of your claim, and to ensure that they are working on it steadily. Notes and status updates are recorded in our library of files, where you can login and see what’s happening with your claim. Access your file 24/7 by clicking on Check my Claim Status here or the icon on the home page of our site.
Settlement. Finally there will be an agreement made for a fair allotment. The insurance company will usually, within days of the settlement, issue a check by mail, to you and your Public Adjuster to cover your damages and costs.
Rarely, when the Insurance Company refuses to concede, the claim will move into a phase called appraisal or eventually litigation. But since more than 95% of Insurance court cases rule in favor of the property owner and not the Insurance Company, they will try to avoid litigation at almost any cost. Appraisal is an avenue more commonly used to come to an agreement, when neither party will bend. To learn more about what Insurance Appraisal is, please see our Appraisal page here.
A study performed by The Office of Program Policy Analysis and Government Accountability (OPPAGA) determined that policy holders who use a Public Adjuster receive a 747% higher claim pay-out than those who choose to file their claims alone. That number is astounding. If you want to be counted among those who receive a proper pay-out, click here to schedule your free property/claim inspection and consultation.
In A Nutshell
- YOU EXPERIENCE DAMAGE
- YOU CONTACT US (VIA WEB OR PHONE)
- WE PERFORM A FREE INSPECTION
- WE DETERMINE LEGITIMACY/VALUE OF CLAIM
- WE ENTER INTO A CONTRACT
- WE CONTACT YOUR INSURANCE CO.
- WE WRITE UP AN ESTIMATE
- WE FILE CLAIM AND ALL PAPERWORK
- WE NEGOTIATE CLAIM
- WE MEET WITH THE INSURANCE COMPANY
- WE FIGHT AND SETTLE CLAIM
- WE CLOSE CLAIM
- INSURANCE CO. SENDS CHECK
- YOU SMILE
- WE SMILE
The insurance adjuster works for the insurance company, naturally they are prone to be a little bias. If they gave the max amount on each claim, it’s safe to assume they may not have a job for long. That’s why it’s important to understand your rights as the insured, and to know where your negotiating power lies. We thoroughly enjoy our job, helping the public, who otherwise have no advocate or defense against the insurance company.