Our Process
Our job at Clarke & Cohen is to manage the claim for our clients, sort through the complicating factors of each unique loss, and simultaneously bring a sense of order and calm to the chaos of property damage. This strategy helps the claims process work favorably for the property owner.
We provide prompt and comprehensive response and proactive outreach. Our goal is to minimize the interruption and inconvenience caused by the loss, and expedite the relief that the settlement allows.
Consequently, through the successful management and settlement of complex and diverse commercial and residential claims since 1921, we have developed a proven recovery process.
The Claims Process
-
1. Connect
Contact us for a consultation. We're ready to review the facts and circumstances of your claim and your insurance policy to determine if we can be an added value in the adjustment of your claim.
-
2. Evaluate
Our licensed public adjusters and outside experts thoroughly assess your damage on-site to build the strongest possible claim.
-
3. Negotiate
We handle all communications with your insurance company and other entities, advocating to maximize your settlement.
-
4. Settle
We make the claims process simpler, more efficient and beneficial, helping you settle your claim so you can move forward with confidence.
Advocating for Our Clients Every Step of the Way
If you have significant damages to your residential or commercial property, Clarke & Cohen will help you secure the insurance payment you deserve. As public insurance adjusters and property loss consultants, Clarke & Cohen’s role is to help you recoup every possible dollar from your policy.
We meet with you to understand your unique concerns and needs.
Perform an extensive review of your insurance policy and coverage.
Evaluate and identify covered damages.
Assess the damage from the insured’s perspective.
Assemble data to support the claim.
Present your claim to the insurance carrier for evaluation and payment.
Our Scope of Services:
-
The insurance company will send an adjuster to your property to review your damage. Their job is to assess the damage from the insurance companies’ perspective. We estimate your claim with your goals in mind, to make the outcome as beneficial as possible. We will attend the meeting with your insurance company to walk through the property and ensure they address the full scope of work required.
-
Our team includes professional building estimators, contractors, contents specialists, and forensic accountants, who will document, estimate, and prepare the claim on behalf of the insured.
Our building estimators and contractors use industry-accepted software to itemize building materials as well as the labor and equipment necessary to properly facilitate the required repairs. They pay specific attention to the details of your property and the necessary repairs.
Our content specialists will create an organized and comprehensive record of your damaged personal property. Our experts determine what can be cleaned and what must be replaced, cataloguing and valuing all damaged items.
Our forensic accountants will calculate and document time-element coverages (Loss of Income and Additional Living Expense). We will present all relevant documentation to support and substantiate your claim.
-
We strategically present and negotiate your claim with the insurance company, using detailed documentation and our experience to advocate for a full and fair settlement.
The carrier’s initial estimate or payment rarely represents the final outcome, and claims often evolve as damage, costs, and supporting documentation are more thoroughly evaluated. We identify and address gaps in the carrier’s assessment and work to resolve differences in scope, pricing, and coverage.
Our longstanding industry relationships, professional demeanor, and strategic approach allow us to communicate effectively while advocating firmly on your behalf. When a settlement is proposed, we explain your options and provide the guidance needed to make an informed decision.
-
We provide concierge-level management of the insurance claim process. Our team manages the claim from start to finish—coordinating trusted mitigation, reconstruction, contents, and housing professionals; evaluating the policy and property; and ensuring all covered damages are properly documented and presented.
When you call, we answer. We simplify a complex process by serving as your trusted advocate every step of the way.