The terms and conditions of your policy state that YOU, the policyholder, must prove your loss. With regard to your contents claim, that means you must present the information necessary to document your loss. The information you present in that claim (and what you DON'T) can mean the difference in the outcome. Understanding your policy is key....did you know that the insurance company, when adjusting a loss under your "replacement cost" policy, will apply depreciation to each line item, and the resulting figure will be what you are paid? Did you know that your policy provides for this depreciated payment to be paid until you prove you have REPLACED each item? While it may not SOUND like what you think a replacement cost policy should provide, it most certainly is. The way your claim is prepared is critical.

If you are considering a professional Contents Claim Preparation Service, choose wisely - assure that YOUR contents claim is prepared by a competent, experienced professional, who will accentuate the necessary components that make negotiating prompt, equitable settlement possible.

LEVEL THE PLAYING FIELD! We have over fifty combined years of claims preparation and negotiation experience and are proud to be advocates for the policyholder. We have consistently and successfully settled thousands of contents claims through our comprehensive documentation process and supporting information. The successful settlement of your Hurricane Ike claim depends on a step-by-step process. If you are not sure which first step leads to successful settlement, make a no-obligation call for more information about our services. Don't let the claims process become yet another catastrophe, get proactive about documenting your loss.
910.612.2712
ashley@ilsltd.net

Thinking as a plaintiff in a legal action for damages, usually below $10,000, you have the opportunity to obtain justice, and much needed satisfaction, from a lawsuit waged in a municipal small claims court. Perhaps you have incurred a legal injury such as, for example, a landlord's negligence that has caused you physical harm, a faulty new appliance that has caused a fire in your kitchen, or, maybe, a contract wherein a person, who owes you money, has refused to pay. If so, you have an inexpensive avenue to a redress of grievance under the jurisdiction of a small claims judge.With very few exceptions, most municipal jurisdictions in the country have small claims courts. These are relatively informal legal forums where a judge, and judge alone, hears a legal dispute and decides in matters of law, and fact, between the cases presented by plaintiff, the one who initiates the action, and the defendant.Try to have the best possible knowledge about the context: create a map of the key actors. Promote and establish formal and informal communication channels with the relevant players.

Who cares how much experience you have. Your post said NOTHING about how you can specifically help a claimant to avoid the depreciation deduction. Truth is ... you can't. If the policyholder opted for A.C.V. coverage, A.C.V. is exactly what they are legally entitled to. The truth is, employing a public adjuster in this scenario would result is LESS money going to the claiment, and more money into an adjusters pocket. You so called public adjusters can't have it both ways, one day you work for the devil (the insurance company) the next day your claim to be a public benefactor. Truth once again is, you will work for whomever pays you and the policyholder be damned.

Above you are advocating right of the bat sending the claim to small claims court, where you feel the judge will be somehow sympathetic. No, the small claims court judge will ask you, Ms. Adjuster, what you did to resolve the matter.
And you will say? "Well, we thought we had a better chance of turning an A.C.V. claim into replacement cost in small claims court." You sound like a frustrated law school dropout ithcing to try some landmark replacement cost contents case. Get real.

maxjlone wrote:Thinking as a plaintiff in a legal action for damages, usually below $10,000, you have the opportunity to obtain justice, and much needed satisfaction, from a lawsuit waged in a municipal small claims court. Perhaps you have incurred a legal injury such as, for example, a landlord's negligence that has caused you physical harm, a faulty new appliance that has caused a fire in your kitchen, or, maybe, a contract wherein a person, who owes you money, has refused to pay. If so, you have an inexpensive avenue to a redress of grievance under the jurisdiction of a small claims judge.With very few exceptions, most municipal jurisdictions in the country have small claims courts. These are relatively informal legal forums where a judge, and judge alone, hears a legal dispute and decides in matters of law, and fact, between the cases presented by plaintiff, the one who initiates the action, and the defendant.Try to have the best possible knowledge about the context: create a map of the key actors. Promote and establish formal and informal communication channels with the relevant players.

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