Disasters Happen.  What’s your next move?

Author Allan Rufus said “Life is like a game of chess. To win you have to make a move. Knowing which move to make comes with insight and knowledge, and by learning the lessons that are accumulated along the way.”

That is why at Clarke & Cohen, we use the hashtag #whatsyournextmove.

When disaster strikes and your business or home is severely damaged, there are a variety of steps to take for clean up, remediation, and when dealing with your insurance company.

However, if you make the wrong move at the wrong time, just like in the game of chess, your insurance claim could go astray.  Or you could wind up with a minimal settlement. #whatsyournextmove

Submitting an insurance claim for your business or home involves strategy.
The words you use when reporting your claim, the timing of your actions after damage occurs, and everything which occurs before, during and after your loss can affect the outcome.

Hiring a professional loss consultant who knows how to make the right moves at the right time is critical when you need to recoup your losses, whether in thousands, or millions of dollars.

Chess is a strategic game with hundreds of possibilities each player can make, all with their own set of pros and cons.

When you are in the unfortunate situation of dealing with severe property damage from a fire, storm, or other emergency, dealing with your insurance company can put you at a deep disadvantage due to your inexperience filing a claim. #whatsyournextmove

That’s where Clarke & Cohen comes in.

We use the right logic, tactics, and foresight as your public adjuster.  This is so  that your insurance company gives you the maximum settlement possible based upon your coverage.

If disaster or property damage occurs, what will be your next move? #whatsyournextmove

Contact Clarke & Cohen.

How to find the right Public Adjuster

When severe damage occurs in your home or business property, it can become a full-time job. Paperwork, forms, calculating your loss, understanding insurance rules and language, and negotiating a settlement can be an overwhelming. When you hire a public adjuster, or property loss consultant, they will help you navigate the process of getting your claim settled.

It is important to recognize that there is a difference in the types of adjusters.

Your Insurance company will send out their adjuster to evaluate the claim and damage assessment.  This individual works on behalf of the insurance company. They may be a staff adjuster or an independent adjuster, but in either case, they are there to evaluate your claim from the perspective of the Insurance company.

You may also hire a Public Adjuster who works for you as an advocate, assists you with handling every aspect of your property loss, and brings in the proper experts to calculate your property damages. They will also guide you through the process of hiring experts to help you clean & mitigate the damages, and ultimately get you an insurance settlement that is appropriate.

How do you go about finding a public adjuster who works on your behalf?

The best way to find a Public Adjuster who is professional and experienced is to find a member of the National Association of Public Insurance Adjusters (NAPIA), licensed in your state of residence (www.NAPIA.com). You can also check with the Better Business Bureau and contact references to verify your Public Adjuster knows what they are doing and has your best interests in mind.

Clarke and Cohen is the top choice of Public Adjusters for homeowners and businesses in and around Philadelphia and the Jersey Shore.  When you are hiring a Public Adjuster, ask them how they have helped others in the same situation as you.  Clarke & Cohen has experience with a wide variety of losses.

Hiring a Public Adjuster will help ensure you are treated fairly by the Insurance company. A licensed experienced Public Adjuster will negotiate disputes with your insurance company and assist you with making sure you receive all of the benefits available in the insurance policy. Insurance policy language may be confusing, therefore, an experienced Public Adjuster can help you understand your rights and responsibilities. An experienced Public Adjuster can also be an important asset for more complicated and severe property claims.

You should know that insurance policies often include time limits and other time sensitive language. A Public Adjuster knows how to get your claim processed and settled within that the appropriate timeline.

Public Adjusters are familiar with how insurance claims work and they know the tricks of the trade when dealing with Insurance companies.  That’s why they typically work on contingency, so that you pay them when your claim reaches a final settlement.

About Clarke & Cohen:

Philadelphia public insurance adjusters and property loss consultants

Established in 1921, Clarke & Cohen is a fourth generation, family-owned Philadelphia public insurance adjuster.  We are public adjusters and property loss consultants with decades of experience successfully managing complex claims in the Philadelphia region, South Jersey including the Jersey shore, and throughout the country.

We provide 24/7 emergency service, immediate response and a consultative approach that aims to settle claims to the utmost value for our clients.

Clarke & Cohen specializes in both residential and commercial claims and is adept at managing the most complicated scenarios.

Our team has extensive experience with all types of property loss and are thoughtful and sensitive, efficient and tenacious. We help our clients manage stress, grief and anxieties as we work tirelessly to recover the property that you have lost.  Our job at Clarke & Cohen is to manage the claim for the client, sort through the complicating factors of each unique loss, and 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.