ABOUT PUBLIC LOSS CONSULTANTS: MISSION STATEMENT: CLICK HERE PUBLIC LOSS CONSULTANTS is a professional public adjustment company in which has been responsible for the recovery of millions of dollars, in insurance settlement proceeds for over a decade, on behalf of its clients "The Insuring Public". We have represented our valued clients nationally and internationally on all types of damages related to: Fire, Wind, Flood and Others. Our valued services have been outlined in detail for your benefit. These services combined with our knowledge and experience will ensure that our clients will not only receive the maximum insurance recovery but an expedited recovery as well.
PUBLIC LOSS CONSULTANTS WILL INTERPRET YOUR INDIVIDUAL INSURANCE POLICY COVERAGES AND APPLY THEM ACCORDINGLY TO EACH FACET OF YOUR CLAIM:
RESIDENTIAL
COVERAGE:
BUILDING:	BUILDINGS AND PERMANENTLY INSTALLED: FURNITURE AND FIXTURES.
APPURTANANT STRUCTURES:	DETACHED GARAGE, OUT BUILDINGS, ETC.
PERSONAL PROPERTY:	NON PERMANENT - CLOTHING, FURNITURE AND FIXTURES, ETC.
LOSS OF USE:	LIVING EXPENSE, RENTAL LOSS, ETC.
COMMERCIAL & INDUSTRIAL: COVERAGE: BUILDING: BUILDINGS AND PERMANENTLY INSTALLED: FURNITURE AND FIXTURES, MACHINERY AND EQUIPMENT, OUTDOOR FIXTURES, ETC.
BUSINESS PERSONAL PROPERTY: NON PERMANENT - FURNITURE AND FIXTURES, MACHINERY & EQUIPMENT, STOCK & INVENTORY, ETC.
BUSINESS:
BUSINESS INCOME:	LOSS OF INCOME DUE TO BUSINESS INTERRUPTION
EXTRA EXPENSE:	COSTS ASSOCIATED WITH TEMPORARY AND PERMANENT  RELOCATION
BOILER & MACHINERY:	DAMAGE CAUSED BY EXPLOSION OR IMPLOSION OF EQUIPMENT
BUILDERS RISK:	PROPERTY UNDER CONSTRUCTION
MARINE: WATERCRAFT: PLEASURE BOATS   YACHTS: POWER & SAIL   COMMERCIAL OCEAN MARINE: FISHING VESSELS, TRAWLERS, LARGE VESSELS, OIL RIGS, ETC.
INLAND MARINE:	TRANSPORTATION, CARGO, BRIDGES, TUNNELS, ETC.

Expert Coverage Interpretation Of Your Insurance Policy:
The proper interpretation and analysis of your insurance policy is crucial in any loss recovery. PUBLIC LOSS CONSULTANTS utilizes its vast knowledge of contract and insurance contract law to understand the strengths and weaknesses of your insurance contract as it relates to your current property loss. Our president holds the highly acclaimed designation of Property Claim Law Specialist (PCLS) from The American Educational Institute, Inc.
We have found that the insurance policy language can be difficult to understand or interpret for many of our clients. If you are not well versed in insurance contract law you may find it difficult to understand the rights and coverage available to you, under your specific insurance contract and how this coverage relates to your specific insurance loss. In addition our analysis of your insurance contract will also identify your obligations to the insurance company as well. This is usually defined under the condition portion of the insurance contract " Your Duties After Loss".
Our experts with vast knowledge of insurance policy language and insurance contract law will review your entire insurance contract in an effort to outline and detail the specific coverage, available to you and explain any restrictions or limitation of that coverage.
Finally, our firm will ensure your insurance company will fulfill all of its obligations to you under your specific insurance contract.

Compliance and Assistance of "Your Duties After Loss":
PUBLIC LOSS CONSULTANTS has been engaged by you not only to inform you, but also to assist you in the compliance of all of your obligations under the insurance contract. This valued service ensures that our clients responsibilities under their insurance contract are fully met and there is no breach of your insurance contract on the part of our client, which could jeopardize or limit recovery.
Each insurance policy will have a section, which lists the duties and requirements of the insured to be completed after any type of property loss. If these obligations are not completed or fulfilled by the insured or met in their entirety, it may possibly jeopardize a portion of the claim payment or even void coverage in some extreme instances. The insured has a contractual responsibility to fulfill these obligations to the insurance company.

By engaging PUBLIC LOSS CONSULTANTS to represent your interest you not only get the confidence of working with an experience seasoned professional, but piece of mind that your settlement will not be jeopardized or limited in any way by any act, error or omission of you as the insured. Which will ensure that you will receive the maximum insurance recovery for your loss.

Initial Inspection and Loss Valuations/ Reserves:
It is imperative that PUBLIC LOSS CONSULTANTS and their experts gain access to the loss location to complete a preliminary assessment on all facets of your loss immediately, prior to the insurance adjusters initial inspection.

The idea that I will wait to see what my insurance company offers me before engaging a professional public adjuster, consistently does not work to your advantage and additionally further complicates and hampers our firms ability at a later date, to achieve the maximum recovery for our clients.

By allowing PUBLIC LOSS CONSULTANTS the opportunity to get an in depth knowledge of your damage and loss exposure will benefit you, our client, greatly at the initial inspection. In addition it also allows our firm and our experts the time necessary to process initial findings into report form and gather supporting documentation to confirm the values placed on these initial reports.
Our loss experts complete these preliminary reports as a tool to be utilized by our expert adjusters in preliminary negotiations. These preliminary negotiations include but are not limited to achieving reasonable reserve values, advance payments, future actions to be taken by both the insurance company and our firm as your legal representative.
The reserve value constitutes the approximate total value of loss to the insurance company. The insurance company adjuster will be responsible to report back to his insurance company a reserve amount. By PUBLIC LOSS CONSULTANTS providing the insurance adjuster a valuation and substantiation of loss values at our initial inspection which encompass the maximum loss value, the adjuster will be inclined to submit a higher, more accurate reserve value rather than a lower, inaccurate reserve value, which could result in a reduction of your maximum recovery, certainly it will result in additional time delays in attempting to raise a low reserve.
Request for advanced payment will be made at our initial inspection of risk with the insurance company adjuster. These advanced payments will be necessary to offset additional expenditures our clients incur as result of their loss, such as Temporary Repairs to Building, Cleanup, Personal Property and Business Property Repairs and Replenishments, Relocation, Business Income Loss, Etc.

Detailed Loss Valuations:
PUBLIC LOSS CONSULTANTS prides itself on having developed a long list of associates that excel in their specific fields and professions throughout the nation. Our associates some, in and out of the insurance industry, but all experts in their chosen fields, provide our firm and our clients an invaluable service. They have been instrumental in assisting our firm in sometimes very difficult loss valuations along with providing expert reports and testimony on these reports. The combination of PUBLIC LOSS CONSULTANTS' professional public adjusters and our associates expertise in documenting and establishing maximum loss values guarantees our clients will recover the maximum value of their insurance claim.
Some of the experts we refer to above included but are not limited to: building experts, cleaning experts, structural engineers, mechanical engineers, environmental experts, industrial hygienists (Mold), forensic engineers, inventory experts, salvers, accounting experts, forensic accountants, attorneys, marine surveyors and all types of other professionals as they relate to each specific loss.
The loss valuations completed by our many experts are submitted in many ways based on the type of property being evaluated. Two of the most common reports completed on behalf of our clients are the Building Damage Appraisal & Personal Property Damage Appraisal. The insurance industry dictates the manner in which these reports should be completed and presented as a formal claim filing. We have provided below, a brief analysis as to the mechanics in production of these reports.

The Mechanics of the Building Damage Appraisal:
Initially it starts with our experts initial inspection of risk, which produces a scope of damage and/or scope of repair. In addition to the scope, our experts also complete interior and exterior Diagrams/ Blueprints of the building depicting accurate measurements of floors, walls, ceilings and roofs. Finally our experts then complete a photo analysis depicting the specific damages addressed in the scope of repair as documentation to support allowance. These details are then drafted in appraisal form utilizing state of the art computer software systems. The final product will include a room by room, detailed itemized scope and value of repair inclusive all cost for your state and local, including but not limited to Debris Removal, Permit Fees, Architectural Fees, State Tax and Overhead & Profit calculations.

The idea that you will provide a local contractors estimate to your insurance company as documentation to support repair cost rather than engaging a professional public adjuster and their experts to prepare and document your claim on your behalf, consistently does not work to your advantage and will more than likely result in additional delays and reduction of your maximum insurance recovery.

Most contractors are not insurance restoration experts. They may not be knowledgeable as to how to restore specific damage related to water, heat, smoke and others. In addition they may not be aware of "Hidden" damages that need to be treated or restored utilizing special, specific methods of restoration. Their proposals will lack the detail and documentation necessary to substantiate your loss to your insurance company. They will also prepare their proposals on the basis of competitiveness in effort to win over the job rather than the maximum amount recoverable for the repair. They will not be able to assist you with other facets of your building loss such as calculations of: Depreciation, Co-Insurance, Broad Evidence, Etc. or assist you with your other loss exposures Personal Property, Additional Living Expense, Business Income Loss, Extra Expense, Etc.

The Mechanics of the Personal Property Damage Appraisal:
One other common report completed by our experts included the Personal Property Damage Appraisal and Business Personal Property Damage Appraisal. PUBLIC LOSS CONSULTANTS' inventory personnel complete the reports initially. This list will address a physical listing all damaged inventory items to be included for repair or replacement. Our personnel then works from these lists to complete a typed report based on a line-by-line, itemization of the damaged property. Once the itemization has been completed our staff will work closely with you, your staff and business associates (if applicable) to evaluate the cost of repair or replacement inclusive of shipping charges and any addition charges for the damaged items. Also we will assist your office in gathering documentation to support those value i.e. invoices, purchase records, banking records, accounting records, etc. Additional experts may be required to provide expert testimony and analysis on specific merchandise to comment on damage, restoration and/or replacement of specialty items.
There are many other loss Reports, Surveys and Assessments to consider for each type of loss. If required our office has at its disposal experts to assist you and our office in quickly formulating a correct evaluation of loss and value which will not only maximize but expedite your insurance recovery.

Economic Losses:	Additional Living Expense, Loss of Use, Rental Loss, Business Income, Extra Expense, etc.
Collectable Losses:	Antiques, Fine Arts, Jewelry, Furs, Fire Arms, Specialty Items, etc.
Specialty Property:	Landscaping, Marine Property & Equipment, Automotive Property & Equipment, Aviation Property & Equipment, Specialty Electronics, etc.

All other claim preparation and additional formal filings for other types of Damage Appraisals and Property Loss Reports are usually completed in a specific report form. This form again is in form and content dictated and accepted by the insurance industry as a standard. In addition all of our Damage Appraisals and Property Loss Reports are filed along with supporting documentation to substantiate the cost and loss values included on these reports.

Replacement Cost Value (RCV) Less Depreciation = Actual Cash Value (ACV)

Many of the reports we complete for property damages require a calculation of depreciation, as are required under most insurance contracts. PUBLIC LOSS CONSULTANTS and their experts knowledge of the type of property that was damaged calculate depreciation values and in effort minimize depreciation levels deducted from claim settlements. Depreciation is not applicable to all property, however it is applicable to most as it relates to age and deterioration of the property prior to loss. PUBLIC LOSS CONSULTANTS negotiates the amount of depreciation deduction in almost every insurance recovery with insurance company personnel on some level. Some policies are ACV only and therefore the difference between RCV and ACV (Depreciation) is never recovered by our client and can result in thousands of dollars in lost recovery if inaccurately over applied.
Depreciation is even applied if you have purchased Replacement Cost Coverage. The calculation of depreciation is held-back from initial recovery and the ACV is paid initially. Once repairs or replacement of property have been completed and our client is able to document payment for those repairs PUBLIC LOSS CONSULTANTS will complete a Replacement Cost Filing on behalf of our client in effort to recover the full amount of RCV.

Investigative Requirements:
There may also be many investigative reporting requirements to consider to not only document your loss and value, but possibly to substantiate to the insurance carrier that coverage is applicable under your insurance contract:
Cause & Origin Investigation, Mold Analysis & Abatement, Site Analysis & Investigations, Arson Investigations, Lab Analysis Studies (Mold, Chemical, Smoke), Forensic Studies, etc.

If required our office has at its disposal the above referenced experts to assist you and our office in quickly formulating a correct evaluation of loss and cause. This will not only ensure a maximize but expedited insurance recovery

Expert Negotiations:
PUBLIC LOSS CONSULTANTS has developed unique skills, as well as a finely tuned expertise in negotiating the maximum settlement on behalf of our clients. Our firm's expert negotiations start from the minute we are engaged by our client, these negotiations continue on a daily basis until the conclusion and final settlement.

We have successfully negotiated property claims of all types and sizes, caused by all types of weather and non-weather events, on behalf of our clients nationally and internationally, by all types of insurance entities national and international.

Our expert negotiations start immediately, with our first meeting with your insurance companies claim personnel or company representative(s). We quickly establish a solid foundation of professionalism (In most cases this has been done prior to your loss through PUBLIC LOSS CONSULTANT'S solid, credible reputation in the insurance industry. It has also been established by our years of prior negotiations with claim personnel from your insurance company as well as countless others insurance and claim entities. Our vast national exposure and years of dedicated service to the consumer have contributed to our current professional standing in the insurance claim industry), as well as a standard that we expect to be met by the insurance company, as well as its representatives.

The next level of negotiation and equally as important as the above, immediately establishing our in-depth knowledge of your insurance contract and the rights available to you under that contract as well as preliminary recoveries available, under that contract.

With the above elements clearly established, our firm can now, focus on its primary objective of establishing the extent of Loss and Value of that loss. These negotiations will take place in and away from the loss location throughout the term of the adjustment process. The negotiations will be conducted utilizing the staff and experts of PUBLIC LOSS CONSULTANTS to meet with your insurance companies claim personnel, representative(s), experts, etc.

PUBLIC LOSS CONSULTANTS will aggressively and quickly seek a final settlement utilizing our experience, skills, knowledge and expertise to negotiate the maximum recovery for our valued client.

Expert Loss Consultation:
Our firm provides our clients with the most valued service of all, loss guidance and consultation. This service cannot be duplicated or purchased it has been obtained through in depth experience and knowledge of the insurance industry from both the insurance company perspective and the public perspective. It involves not only insurance knowledge but over a decade of relationships with specific insurance entities, not limited, but including: insurance company staff adjusters, independent adjusters, cleaning restoration professionals, restoration and construction professionals, engineering and architectural professionals, accounting professionals, legal professionals, etc.
The above service we regard as our most valued service. It is a direct service to our client, which, not only makes a very difficult time much easier, but also establishes a long client relationship for future insurance related matters and future PUBLIC LOSS CONSULTANTS referrals to their family, friends and business colleagues.
The above guidance comes in many ways; initially it will be guidance as to how to we will proceed with your insurance claim recovery. Then it will address how you should proceed with the loss recovery, first as to your initial responsibilities, secondly as to how you should proceed with achieving a balance of normalcy while our office concludes your adjustment. In addition we are a viable source to provide you immediate answers to difficult questions regarding this procedure along with loss recovery issues, policy coverage and your loss management concerns.