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Frequently Asked Questions

Are you an accredited public insurance adjuster?

Action Adjustment Service follows the Mid Atlantic Association of Public Insurance Adjusters’ code of ethics and is an accredited member of the Association.
We are licensed by the Pennsylvania and New Jersey Departments of insurance and also bonded in each state.

What is your relationship with insurance companies?

We are employed only by you and we work with them to the extent of obtaining a better settlement. When necessary we fight them to get you the maximum amount. You are due!!!!!!

Why do I need help?

Before the rebuilding or repair process can begin, an accurate and comprehensive assessment of all losses must be conducted. Our professionals are skilled in presenting these involved claims to help you receive the full amount to which you are entitled, in accordance with policy terms. But most importantly, the services of Action Adjustment Service, Inc. will not cost you anything.

What is the extent of your responsibility?

Action Adjustment Service assists with every phase of preparing and presenting your claim, as well as accomplishing an adjustment for you which is equitable and includes everything to which you are entitled under your insurance policy.

How do you determine the actual loss?

We take a physical inventory, obtain all pertinent appraisals and make sure all provisions in your policy are properly fulfilled. This often involves numerous steps of which you may know little or nothing but can make a significant difference in the amount of the final adjustment.

What information will be required to prove my claim?

Your claim preparation must include all or part of the following:

  • Detailed unit cost appraisal to replace building damage with like-kind, and quality.
  • Detailed physical inventory and appraisal of all contents, including furniture, fixtures, equipment, and stock, whether damaged or undamaged.
  • Insurable value appraisal of building and contents for co-insurance requirements.
  • Identification and evaluation of the betterments and improvements, including your insurable interests.
  • Physical depreciation schedule on all property.
  • Determination of salvage disposal.
  • Analysis of gross earnings value and loss for Business Interruption claim.
  • Analysis of accounting records in relation to property values.

What help can Action Adjustment Service give me with technicalities?

Because of Action Adjustment Service’s broad experience and specialized knowledge, we prepare your claim so that you can recover to the fullest extent on your insurance coverages. It is up to you to prove your loss. There may be many questions and problems as to how the policy provisions can be applied in different circumstances.

How Can Action Adjustment Service get me a better settlement?

We lose no time in complying with the policy requirements to obtain and evaluate the facts and prepare the claim. The alert, knowledgeable and prompt service we render often preserves evidence that may otherwise be overlooked or destroyed. The more thoroughly and completely your claim is compiled and prepared, the faster your public insurance adjuster can accomplish an equitable and proper settlement in your best interest.

I've experienced a loss, what should I do?

CALL US and a representative from Action Adjustment Service will inspect your damage, prepare estimates, make arrangements for emergency board up of your property, temporary living arrangements, notify your insurance company, meet with the insurance company adjuster and negotiate the highest possible settlement.

How much does Action Adjustment Service charge?

Fees are based on a percentage of the recovery which is agreed upon in advance.

Do I have to get estimates from contractors?

No. We will prepare a complete specification of damages with applicable unit cost. We’ll also prepare a valuation of the building for co-insurance requirements and depreciation analysis when applicable.

What problems are most common in adjusting a claim?

All claims are subject to differences of opinion and policy interpretation. Each claim is unique and includes many variable factors. Generally, differences between the insured and the insurance company arise concerning the scope of damage and type of restoration required, depreciation percentages to be applied, if applicable, and appropriate labor and material costs.

We offer an immediate, no-cost inspection of your loss. This includes a review of insurance policies and our recommendations.

Don't wait, contact our experts today for your consultation.

Action Adjustment Service, Inc. is licensed and bonded in Pennsylvania and New Jersey.