When a loss does occur, most people are under the impression that their insurance company will handle the valuation of their claim fairly so that they can quickly return their property to its previous condition. Unfortunately, this is not always the case and industry experience shows that most insurance companies greatly undervalue claims to their benefit. At Hudson Douglas, we represent only the insured to quickly and accurately resolve your claim. We never assess insurance claims on behalf of insurance companies. This means your situation is going to be handled professionally and correctly for only your benefit. We will provide your insurance company with a notice of loss and negotiate with the insurance company on your behalf to ensure that your policy pays out a fair settlement value in a timely manner.
Hudson Douglas Public Adjusters was born from a desire to serve policy holders with their insurance claims settlement process. With more than 50 years of experience in construction and disaster restoration, the founders of Hudson Douglas experienced firsthand the need for policy holders to have professional representation in order to quickly and fairly settle their insured claims.
Our experts harness this vast experience and knowledge, along with utilizing the industry's leading tools and software, to ensure the best outcome for our clients. These resources include information management systems, legal assets and insurance-based estimating software.
At Hudson Douglas we wield an internal fire to advocate for our clients' interests. We make the pursuit of your needs our driving force which affords us the vigor to represent our clients like family. Our mission is to provide the most accurate and complete settlements for our clients while demonstrating the professionalism and compassion that you deserve.
AT HUDSON DOUGLAS WE WORK FOR YOU – NOT YOUR INSURANCE COMPANY
Why Choose Hudson Douglas Public Adjusters?
If you or your business experience a loss due to fire, smoke, water damage, weather events, natural disasters, theft, vandalism or any other covered loss, you need your insurance claim resolved quickly and for a fair settlement value. At Hudson Douglas we represent only you, not the insurance company, to get your claim quickly resolved.
At Hudson Douglas We Can Assist You With Insured Property Damage Caused By:
- Floods & Water Damage
- Fire & Smoke
- Vandalism, Theft & Accidents
- Wind & Tornadoes
- Hurricanes, Tropical Storms & Earthquakes
- Hail Damage
- Structural Damage
- And More…
When a loss does occur, most people are under the impression that their insurance company will handle the valuation of their claim fairly so that they can quickly return their property to its previous condition. Unfortunately, this is not always the case and industry experience shows that most insurance companies greatly undervalue claims to their benefit.
At Hudson Douglas, we represent only the insured to quickly and accurately resolve your claim. We never assess insurance claims on behalf of insurance companies. This means your situation is going to be handled professionally and correctly for only your benefit. We will provide your insurance company with a notice of loss and negotiate with the insurance company on your behalf to ensure that your policy pays out a fair settlement value in a timely manner. If you are looking for a Public Adjuster in Arizona, Utah, Nevada, Colorado, New Mexico, Pennsylvania, New Jersey or Ohio, contact Hudson Douglas today for your FREE, no obligation claims review.
At Hudson Douglas We Can Assist You With Insured Property Damage Caused By:
Floods & Water Damage
Floods and water damage encompass a large percentage of the claims handled by Hudson Douglas. Although most people think that they are the same thing (probably because water is involved in wash) they could not be more different. Floods come in from the outside due to rains, tidal surges, canal overflows or simple runoff. This damage likely requires a special flood policy (NFIP) and is not usually covered in an insurance policy. Your insurance company may try to tell you that your damage is not covered because it is flood damage but are often incorrect. Water damage comes from roof leaks, pipe bursts, broken pipes, condensation line problems or overflowing fixture (tubs, sinks toilets and the like). Your carrier may try to tell you that the damage is not covered because it was an ongoing problem or for some other reason. They may not want to properly repair all of the damge which has occurred and may want to just cover it up. Let us review your claim to ensure that you are getting the most out of the policy that you have.
Fire & Smoke
Fire and smoke can make a claim very costly in moments. Fire of course consumes buildings and causes significant damage and because of the wiring and other types of items which are consumed in the fire produced smoke which causes very pervasive damage to personal contents items (especially to electronics). Smoke settles out of the air as soot and is frequently a catalyst for further damage even after the fire is extinguished. Today's consumer electronics are not produced to be resistant to soot and can be further damaged by cleaning. Even hardened electronics which have hermetically sealed components may be damaged beyond repair without appearing to be. Let us help to ensure that you are properly compensated for your personal property under your insurance policy.
Vandalism, Theft & Accidents
Policyholders find vandalism and theft particularly offensive as the loss often leaves them feeling violated. In addition, insurance carriers look first to see if the claim can be denied due to occupancy or other policy requirements. Make sure that a claims professional assists you in negotiating a vandalism or theft claim before the insurance company can deny you properly purchased benefits.
Hurricanes, Tropical Storms & Earthquakes
Hurricanes, tropical storms and earthquakes can be particularly troublesome due to the exclusion of some of these perils in common insurance policies. Storm surges and earthquakes may be excluded in a standard- policy but instances in which these excluded perils forces occur are often accompanied by covered perils. Insurance companies may seek to deny all coverage for a homeowners policy because a flood surge was involved in the loss even though a covered peril such as wind damage may have caused most of the damage. Make sure that you have a professional negotiator to help you interpret negotiate and settle you catastrophic storm claim as well as the conditions that your property sustained damages.
Wind & Tornadoes
Wind and tornadoes can cause obvious superficial damage as well as hidden but significant structural damage. We have found that insurance companies are unlikely to investigate beyond the obvious and that we frequently discover significant hidden damage caused by damaging winds. Tornadoes, high winds and microbursts can exert huge forces which can also be localized. In some of our claims we have found that our clients homes were damaged to policy limits when their neighbors sustained little damage. Since you have paid for coverage on your home make sure that you know how badly your home is really damaged before your claim is settled.
Hail damage claims are fraught with coverage issues and are only complicated by engineers who churn out studies which bolster insurance company positions to deny coverage. You carrier may try to tell you that your home is not covered because the damage has not affected the functionality of your roofing. In addition, frequently insurance carriers will try to only replace small portions of your roof that they feel are damaged leaving you with an obviously patched roof in lieu of replacing the entire roof as your policy likely promises. Let a professional claims adjuster help to document and settle your hail damage loss.
Structural damage can occur to newly constructed buildings or buildings of considerable age as a result of exterior forces, such as a Car vs. building claim, snow or water load exceeding the building design strength, damaging winds, foundational issues, sinkholes, etc. Structural issues are complex as many times the extent of the damage goes far beyond what the eye can see. If your building has collapsed, partially collapsed or is still standing but wounded, Hudson Douglas' public adjusters can decipher the facts and properly document and negotiate your covered structural damage claim.