Our Services
New Claims
Filing a new claim may seem straightforward, but the process is filled with technical requirements and deadlines that can have a major impact on whether you are fully compensated. Insurance companies design policies with strict conditions, and it is the policyholder’s responsibility to meet them. From the moment damage occurs, you are expected to notify your carrier promptly, take appropriate steps to mitigate and prevent further harm, and allow access for inspections. If these actions are delayed or done incorrectly, the insurance company may use that against you to justify a lower payment or even a denial.
A licensed public adjuster ensures that these early steps are handled properly and documented in a way that strengthens your position. We submit notice of loss on your behalf and confirm that it is properly acknowledged. We arrange and oversee mitigation efforts, making sure they are both effective and reasonable in cost so they do not become disputed later. During inspections, we represent your interests by being present, pointing out visible and hidden damages, and preventing critical details from being overlooked.
Accurate estimating is another key component. Insurance carriers often rely on their own adjusters and preferred vendors, who may produce estimates that are incomplete or undervalued. We prepare a detailed, line-by-line estimate that reflects the true cost of restoring your property to its pre-loss condition, including building code compliance, labor, materials, and any necessary specialty trades. Every estimate is backed by photographs, reports, and supporting documentation that leaves little room for the carrier to minimize the damages.
In addition to managing the technical side, we also take over the communication burden. Every claim involves a constant exchange of emails, phone calls, requests for information, and deadlines. We handle these interactions with the carrier directly, making sure your claim progresses without unnecessary delay and protecting you from being pressured into providing statements or information that could be used against your interests.
Starting a claim with professional representation is one of the most important decisions a policyholder can make. By involving us from day one, you avoid common mistakes, preserve your rights under the policy, and position yourself for the maximum recovery allowed. Our role is not just to assist but to manage the entire process from notice to settlement, giving you confidence that your claim is being handled correctly and with the highest level of diligence every step of the way.
Underpaid Claims
One of the most common challenges property owners face after a loss is an underpaid claim. This happens when the insurance company accepts that damage occurred, but the payment they issue falls far short of what it actually costs to restore your property.
Insurance carriers often use tactics to minimize payouts. They may leave out certain repairs altogether, undervalue the cost of labor and materials, or apply coverage limitations that do not truly reflect your policy. For example, they might approve patch repairs instead of full replacements, use outdated pricing software, or ignore hidden damages that only show up during a thorough inspection.
At Valor Public Adjusters, we have seen these strategies many times and we know how to counter them. Our team takes the time to carefully inspect your property, document all damages, and compare the insurance company’s estimate against real world costs. We bring in specialists when needed, ensure building codes are accounted for, and make sure your claim reflects the full scope of repairs required to return your property to its pre loss condition.
An underpaid claim can leave you covering thousands of dollars out of pocket if it goes unchallenged. That is why it is so important to have professionals on your side who understand both construction and insurance tactics. Our role is to advocate for you, level the playing field, and recover the funds you are rightfully owed so you can rebuild with confidence.
Denied Claims
A denied claim can feel like the ultimate setback. You know you have damage, you have paid your premiums, yet the insurance company tells you that your loss is not covered. This often happens because carriers rely on policy language, exclusions, or technicalities to avoid paying. They may argue that the damage was caused by wear and tear, that it occurred outside of the policy period, or that proper notice was not given in time.
For property owners, these denials can be overwhelming and discouraging. Most people do not have the experience or time to challenge a large insurance company on their own. That is where we step in.
At Valor Public Adjusters, we carefully review your policy, inspect your property, and analyze the insurance company’s reasoning for denial. Many times, claims are wrongly denied due to incomplete investigations, misapplied exclusions, or overlooked evidence. Our expertise allows us to reopen the claim, present the correct documentation, and fight for the coverage you deserve.
When a denial is left unchallenged, property owners may end up paying entirely out of pocket for damages that should have been covered. Our mission is to prevent that from happening. We stand by your side, navigate the process, and work to turn a denial into a successful recovery.
Property Damage Appraisals
When a property damage claim reaches an impasse, the appraisal process can be one of the most effective tools for resolution. Appraisal is designed to provide an impartial way to settle disputes over the amount of loss, but it only works if the damage is properly documented and valued. Without experienced representation, property owners risk accepting an amount that does not truly reflect the cost to restore their property.
At Valor Public Adjusters, we guide property owners through the entire appraisal process with precision and expertise. We begin with comprehensive documentation, carefully inspecting and recording all damages so that nothing is overlooked. This includes both visible and hidden issues, ensuring that every repair required to return your property to its pre-loss condition is accounted for.
We also bring in expert assistance when needed. Whether it is a roofing specialist, an engineer, or a contractor familiar with current building codes, we make sure the scope of repairs is supported by qualified professionals. This helps remove any uncertainty and strengthens the accuracy of the claim.
Using the proper method of repairs is another critical part of the process. Insurance carriers may suggest quick fixes or patchwork that do not meet industry standards. We focus on the right way to repair or replace, taking into account building code requirements, manufacturer guidelines, and long-term durability so that the solution is not just acceptable but correct.
Pricing is another area where claims often fall short. We use up-to-date pricing data and trusted estimating software to reflect the true cost of labor, materials, and construction in today’s market. With rising costs and regional differences, having accurate figures ensures you are not left covering the gap out of pocket.
Finally, we bring strong negotiation skills to the table. The appraisal process often comes down to discussions between appraisers and an umpire. Our experience in presenting evidence, explaining repair methods, and defending fair values allows us to advocate effectively on your behalf.
The result is a balanced process where your damages are fully and properly valued. Our goal is to make sure the appraisal outcome reflects the true cost of restoration, giving you the resources you need to rebuild with confidence.