Residential and Commercial Property Loss for
WIND AND HAIL / FIRE / WATER
What we do
JT Public adjusters are claim professionals who assist policyholders in preparing, filing, and negotiating insurance claims.
1. Initial consultation and Policy review: We'd like to visit the property and talk with the homeowners to assess the situation and evaluate the damage or loss. And also to review the insurance policy to obtain the coverage limits, deductible amounts and such.
2. Paperwork & Homeowner's acknowledgement: Necessary letter of representation agreement need to obtained, which is the policy holder's acknowledgement that we're representing the claim on behalf of the homeowners, and also creating a working relationship.
Since Insurance companies can ONLY communicate with the policy holders, obtaining the documents enable us to start the claim process.
3. Pre-Inspection: Our adjusters conduct pre inspections to gather all necessary documentation and evidence to support the claim. This can include photographs, videos, receipts, estimates, using drones, and any other relevant records.
4. Inspection review & Claim Submission: We review the pre-inspection report and cross match with the programs that insurance companies use to make sure if we have sufficient enough damage to file a claim as each insurance companies use different merit to approve the claims, we ensure that the claim is accurate, detailed, and presented in a way that highlights the extent of the damages or losses.
5. Scheduling and Meeting: Whence the claim is filed, we're waiting for the insurance company/adjuster to reach out to us to set up the schedule(typically with in 2 business days). We try to take the earliest schedule available for both parties, which it could be the next day or 3 weeks from now as we have to go by their availability.
During the meeting, both parties inspect the premises of property, typically up in the roof, siding, gutters etc for policyholder receives a fair settlement. This involves discussing the extent of damages, the value of the claim, and any disagreements regarding coverage.
6. Settlement Negotiation: Our claim adjusters communicate with the insurance adjusters to ensure if there isn't any missed items, measurement, correct value or if it's up to the code to make sure we get the full and fair settlement amount.
7. Claim Closure: Once a settlement is reached, we submit the completion letter and proper documents, photos etc as a finalizing of the claim. They review settlement offers and any required paperwork to ensure that everything is accurate and complete.
*Appraisal Process: If there's a dispute in damage findings between us and the insurance company's assessment, we facilitate the appraisal process. This involves an impartial third-party appraiser evaluating the damages and losses to reach a resolution.
VULNERABILITY OF A 3-TAB SHINGLE
The average 3-tab shingles can last upwards of 12 – 15 years and withstand winds up to 60 miles per hour. These are cheaper than architectural shingles because they are only single layered.
BENEFITS OF ARCHITECTURAL SHINGLES
Architectural shingles are thicker and heavier than 3-tab shingles and they are double layered meaning they last up to 30+ years. They look much better as they are staggered pattern/zigzag giving the look of the home more complexity. Though architectural shingles have a higher wind and hail resistance than 3-tab shingles, they are much more expensive.
No Painting Required – Vinyl siding requires very little maintenance and does not need painting, which greatly saves time for homeowners. Since vinyl siding has a solid color, it does not fade overtime.
Durable – Vinyl siding will not dent or scratch like aluminum siding would because it is more than twice the thickness of aluminum siding.
Long lasting – Vinyl siding is known to last much longer than aluminum siding withstanding hail damage up to 2 inches.
Modern Look – Vinyl siding has a more modern appeal to it, making it an increasingly popular choice over aluminum siding.
Baked on Enamel Finish – Since the finish to aluminum siding is baked on, it is subject to fading, scratching and denting. When the paint starts to chip away, it can be very unsightly for your home as well.
Less Modern Appearance – Aluminum has a less modern appearance than vinyl, giving homes an almost old-fashioned appearance.
Dents from hail easily, even up to 1-inch hails.
Must be Painted – Since aluminum siding chips and fades it must be painted periodically.
VULNERABILITY OF CEDAR SHAKE ROOF
Cedar wood shake roofs have a shorter lifespan due to several factors. Being a natural material, cedar is susceptible to decay, rot, and insects. Exposure to weather conditions like rain, sun, and wind leads to splitting and cracking. Regular maintenance is essential to prevent deterioration, including treating for pests, fungi, and applying protective finishes.
Cedar's moisture absorption and retention can cause warping and structural issues. Moreover, it lacks the fire resistance of other materials. Impact from debris and installation quality can also impact its durability. Environmental factors, like humidity and extreme temperatures, can accelerate wear.
Initial cost can be higher compared to alternatives, and manufacturer warranties are often shorter due to expected lifespans. While cedar's aesthetics are appealing, proactive care through inspections, repairs, and protection against moisture and pests can extend its longevity.