Residential
Insurance
Claims
It takes talented, personable professionals to revolve residential property and liability claims to a policyholders satisfaction. Our Xperts are trained to handle the unique circumstances of each loss, as well as the people most impacted by it.
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LIABILITY CLAIMS
Liability Claims often come with a higher level of complexity & sensitivity and our team determines the best course of action for a thorough investigation that is cost-effective and timely.
We are highly skilled in establishing rapport with claimants and applicable authorities, assessing loss, conducting scene investigations and gathering statements, and providing necessary reporting.
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End to End Claims Management From One Partner
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Quick, Cost-Effective Claims Resolution
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Clear and Consistent Communication with Policyholders
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Comprehensive Reporting and Analytics
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24/7 Claims Intake
When you call about insurance, try to have these things handy:
- POLICY #
- DATE OF LOSS
-TYPE OF LOSS
-COPY OF YOUR POLICY
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1
Hurricanes
In many places, homeowners have to purchase a separate hurricane policy in order to have their home insured against tropical storms & hurricanes. Its important to remember that hurricane policies protect against water damages not associated with flooding and must have a separate policy to cover flood damages.
2
Windstorm
Most homeowners miss wind-related roof damages. We check for missing shingles, leaks in the interior of your roof, cracked or lifted shingles and flashing, granules in drains, and debris on the surface.
3
Tornado
Following tornado losses, its nice to know that the damage should be covered by insurance. Unlike other natural disasters like flood, earthquakes, & sinkholes, tornadoes are covered under a basic homeowners or commercial property policy. However, this doesn't stop insurance companies from denying and underpaying tornado claims.
If your insurance company denied or underpaid your claim, we can help.
4
Fire
In the unfortunate event that fire damages occur to your property, the resulting insurance claim can b e one of the most complex and involved types of property loss.
Our proactive approach allows you to control the pace & settlement of your claim rather than relying on your insurance company.
While all claimants can benefit from the help of a public adjuster, you absolutely need to consult with a trusted and experienced claim adjuster if you've received any of the following:
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Reservation of Right Letter
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Demand to participate in an Examination Under Oath (EUO)
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Proof of Loss form to fill our of your sign
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Letter stating that your fire claim has been ruled suspicious or is under investigation.
5
Hail
While entirely preventing hail damage is incredibly difficult, Xact Roofing & Consulting provides roof installation options that are highly resistant to hail damage.
- A food choice for less hail damage is the consideration of installing a metal roof. It provides a strong resistant to hail damage.
6
Flood
Time is of the essence after storm surges and flood waters damage commercial property. Xact Roofing & Consulting can ensure our trained adjusters are on-site within 24 hours of FNOL. We match our responsibilities with efficiency and accuracy that is incomparable in the industry.
Commercial Insurance
Claims
Businesses tend to have a lot more at stake when things go wrong. We understand that a disruption in your operation is a lost opportunity.
We have the experience and skills to resolve straight forward claims from smaller mom and pop enterprises to large, complex losses at major corporations.
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Our claims professionals focuses on establishing the full extent of loss including property contents, stocks, businesses interruption costs and initiate an action plan to resume normal operations as quickly as possible.
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COMMERCIAL LIABILITY
Our team is highly skilled at assessing the loss, establishing a rapport with the claimants and applicable authorities, verifying coverage, conducting scene investigations and gathering statements to provide the necessary reporting.
When you call about insurance, try to have these things handy:
- POLICY #
- DATE OF LOSS
-TYPE OF LOSS
-COPY OF YOUR POLICY
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1
Multifamily & Apartments
Multifamily complexes include townhomes, rental apartments, condominiums, and cooperative apartments. We consider the tenants, loss of rent, relocating families, and keeping your business running.
Its essential to enlist the help of an expert who knows how to handle all potential problems that can occur when processing an insurance claim like interruptions, damage consultants, lengthy inspections, & possibility of being denied pay, delayed pay, or being underpaid.
2
Office Buildings
Whether you own a small stand alone building, an office condo unit or a multi unit high rise, we can help with your claim. The structure of you policies can significantly impact your tottal cost and risk overtime. Their coverage includes:
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Property Insurance
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Liability Insurance
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Flood Insurance
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Business Interruption Insurance
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Equipment Breakdown Insurance
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& More...
3
Warehouses
These claims are usually for businesses whom serve as a "bailee" or in other words, a business entrusted with the property of another, for direct or physical loss or damage of prosperity that happens during storage, cross-docking, packaging, labeling or other services provided by the bailee.
4
Shopping Centers
As an owner of a shopping center, you must balance keeping your store areas occupied and your renters happy, with keeping your business profitable. A BOP or "business owner policy", is an excellent form of business insurance for shopping centers because it prevents owners from suffering a serious hardship when your physical or tangible assets are destroyed. Options can include:
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Buildings and Contents
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Business Income and Extra Income
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Electronic Data
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Newly Acquired or Constructed Buildings
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Employe Dishonesty Coverage
Some owners have "umbrella insurance"
The umbrella insurance is extra protection against really big or severe accidents.