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What to Do After a Loss

Action Adjustment Service is your representative when you make claims for insured property losses. We are a member of the Mid Atlantic Association of Public Insurance Adjusters. We fully understand the “fine print” in your policy and, since our fee is based solely on a percentage of your claim recovery amount, you owe us nothing if there is no recovery.

Action Adjustment Service wants you to know that the burden of proof on a loss is on the policyholder, not the insurance company. Policyholders are rarely aware of this when making their claims. We understand this and the other details in your insurance policy.

Action Adjustment Service will notify your insurance company, prepare a professional estimate of damages, coordinate emergency repairs, arrange for additional living expenses (A.L.E.), meet with your insurance company’s adjuster at the loss site, negotiate a settlement on your behalf and handle all the paperwork necessary to obtain the maximum settlement on your loss.

We evaluate such items as damage to buildings, equipment, and documents, record inventory loss and perform a full review of coverage in order to maximize the right of recovery for all losses, including Business Interruption. We can also help determine replacement costs, salvage values, depreciation, etc.

Action Adjustment Service can help determine uninsured losses for tax purposes. We also service the self-insured.

What You Don’t Know CAN Hurt You

Almost every business person and homeowner is covered by insurance for fires, theft, wind damage, flood damage, casualties, and other perils – yet most insureds have little knowledge of the technical language.

You may have seen items in your policy such as:

  • Actual cash value, ACV
  • Replacement cost
  • Co-insurance cause
  • Estoppel
  • Named perils
  • All physical risk
  • Exclusions
  • Reservation of rights
  • Non-waiver agreements
  • Sworn proofs of loss
  • Acts of God …

Most insureds also fail to understand the complicated procedures a policyholder must go through to present and conclude their claims.

In most cases, the adjuster for the insurance company promises that he will take care of everything and the policyholder will be reimbursed for damages, etc.

However, these adjusters represent the insurance company, not you, the policyholder, and that you the insured, are responsible for preparing, presenting and documenting your claims.

Action Adjustment Service protects your interests.

Armed with only your policy book in hand, the average home or business is at a great disadvantage when it comes down to arguing coverage issues, policy provisions, and other details.

The insurance company’s adjuster knows the “INs” and “OUTs” of your policy and protects his company’s interests.

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

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