After an electrical fire destroyed a historic home in Birmingham, Alabama, the owner’s daughter, an attorney, handled the fire insurance claim process with little progress from the insurance company for nearly one year. We were then hired to provide insurance appraiser and property damage appraisal services for the insurance claim since public adjusters are not recognized in Alabama.
Prior to our involvement with the claim, the insured and the independent adjuster could not agree on the valuation of the custom-built home and all of the personal items lost within it. The adjuster miscalculated the value of various high-end fixtures and reconstruction costs which is where we began our overhaul of the claim.
A senior public adjuster from The Public Adjusters was appointed as the insured’s appraiser. He began immediately consulting with construction experts and working hand in hand with the insured to develop a claim that most accurately reflected the true value of all damages and reconstruction costs.
We successfully presented our claims package during the appraisal process. A retired Alabama judge was appointed as the neutral umpire and ruled in our favor, securing the amount the insured and we felt was due for the fire claim– $275,000.
While attorneys often offer insurance appraiser services in Alabama, legal fees are a legitimate concern, and attorneys rarely have estimating expertise that experienced public adjusters do.
If you have a fire insurance claim in Alabama, or any other insured property loss, and have a dispute with your insurance company, you may have the option of settling your claim by invoking the appraisal process. A licensed and experienced public adjuster can help win you the settlement you deserve.