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New Jersey Public Adjuster for Fire Damage While Renting

Are you living in an apartment, rented house or condo? Do you need renters insurance? After all it’s up to the landlord to fix the building should it catch fire or be damaged by a storm. What about your personal property? Who will pay to repair or replace your belongings should they be damaged or …

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New Jersey Public Adjusters for Fire Incidents

A Public Insurance Adjuster prepares, presents and adjusts property insurance claims on behalf of homeowners and business owners following a covered casualty loss. Public adjusters traditionally charge a fee for their services based upon a percentage of the amount recovered. Typical fees range between 10 and 12.5% with lesser fees available dependent upon loss size …

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NJ Public Adjusters for Homes with Total Loss

Imagine that you have just experienced a fire in your home causing extensive damage to the structure and your personal property. You have a homeowners policy that adequately covers your losses and you have notified your insurance agent that you wish to make a claim for damages. The agent, representing a large national property insurer, …

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NJ Public Adjusters for Coastal Flood Damage

The TV commercials make it look so easy: You experience a disaster and, like magic, your insurance company swoops in and solves all your problems. Unfortunately, say consumer advocates, it rarely works that way in real life. Instead, if a disaster such as a fire, hurricane, earthquake or hailstorm damages your home, it’s important to …

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New Jersey Public Adjuster Firm - Andrew K. Knox

Shopping for a new home can be daunting, but shopping for new homeowners insurance? That can be downright mind-numbing. With so many options, how can you be sure your making the right choice? One big way to narrow down your options is to check out the complaints against insurers (as public insurance claim adjusters we have …

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Public Adjusters for Fire Damage in NJ

Many relatively sophisticated business-people are unaware of a potential pitfall that occurs when partners in real property fail to name all of the equity partners as named insureds on their property insurance policy. This can result in a partial denial of liability for the partnership based upon the equity interests of those who are not …

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Following super storm Sandy many general contractors and roofing contractors have advertised that they are “disaster specialists” able to specifically “work with your insurance company” on your behalf to settle storm related claims. They even claim to “represent your interests” and “negotiate on your behalf” thereby simplifying the restoration process. This is both categorically wrong …

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What exactly does it mean to be insured at replacement cost? The typical Insurance Services Office (ISO) Homeowners policy (HO-3 10 00) insures the Dwelling at replacement cost (RCV) and your Personal Property at actual cash value (ACV). This is often modified with the addition of an endorsement shown as “Personal Property Replacement Cost”, sometimes …

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One of the most frequently asked questions that insurance agents and public adjusters are asked is; how much should I insure my home for? There is no exact answer to this question, except that the amount of insurance in force should be at least eighty percent (80%) of the replacement cost value of the property. …

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