Local presence. National reach.

Whether following an insured property loss or a wide-scale declared disaster event, we will put together a team of specialists handpicked for the specific needs of each individual loss. With over 40 offices nationwide, the Adjusters International team includes the top talent from the public insurance adjusting and disaster recovery industries. Local commitment, personalized service and proven expertise are the hallmarks of our reputation.

About Adjusters International

Adjusters International was founded when the leading public adjusting firms in the nation came together with one goal: to provide our clients with an unsurpassed level of expertise in preparing and settling property damage insurance claims. From start to finish, our public adjusters are by your side, working closely with you and your insurance company to achieve a full and fair settlement.

Over the years, our service offerings have grown to encompass working with local communities and government entities to secure FEMA Public Assistance grants following major disasters. Our disaster recovery consulting services also incorporates hazard mitigation programs, commercial insurance, and other funding sources. Our goal is to make sure our clients get—and retain—all eligible funding for disaster related damages and hazard mitigation projects.

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Latest Adjusting Today Addresses Recent Revisions to ISO Commercial Property Coverage Forms

In this new E-Edition of Adjusting Today, veteran claims professional Robert J. Prahl, CPCU, gives insight into the recent changes made by the Insurance Services Office (ISO) to ...

Be Aware of Recent Revisions to ISO Commercial Property Coverage FormsIn this new E-Edition of Adjusting Today, veteran claims professional Robert J. Prahl, CPCU, gives insight into the recent changes made by the Insurance Services Office (ISO) to two commercial property insurance forms. These revisions were made to the Building and Personal Property Form, which is the standard contract for insuring building and personal property exposures of commercial insureds, and the Causes of Loss – Special Form, which identifies the perils that are covered by the policy. In order to help clarify the most important of these form changes, this article reviews the coverages, provisions and endorsements most impacted by these revisions. This edition is important reading for all of those involved in commercial insurance, as these changes will impact the protection many businesses have, don’t have or need to understand better.

Your comments about this article, topic suggestions and continued feedback are always appreciated. Subscriptions to Adjusting Today are available in hardcopy format, electronic format, or both. Thank you for your readership.

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Spring is Here – Continue Your 12-Step Disaster Plan

In continuation of the article that appeared in January “Ring in the New Year with a 12-Step Disaster Plan” we have the next three steps in our year-long ...

In continuation of the article that appeared in January “Ring in the New Year with a 12-Step Disaster Plan” we have the next three steps in our year-long disaster planning series.

Spring Disaster Plan

April – Prepare your home for spring weather
April showers bring May flowers! Spring is here and preparing for the wet weather is a must.
Similar to how you would winterize your house for winter, it is time to ‘spring-erize’ your house for spring! As the snow begins to melt, water damage and flooding can become problematic quickly. According to the Federal Emergency Management Association (FEMA), floods are the most expensive type of disaster in the U.S.

  • Check gutters to ensure they are working properly
  • Check the roof and flashing for any damage that may have occurred throughout the winter
  • Check the attic and basement areas for mildew or mold
  • Check for any cracks/leak areas in foundation of property
  • Elevate items in the basement (furnace, hot water heater, washer/dryer, etc.)
  • Flood insurance is typically a separate policy, so be sure to know whether or not you are covered for this peril

Any problematic areas found should be repaired by a reputable contractor. Always remember to check a contractor’s references prior to hiring.

May – Begin emergency fund
Possibly the easiest time of the year to begin an emergency fund is right after receiving your income tax refund (if you do not owe any money, that is). As a general rule of thumb, an emergency fund should account for 4 to 7 months’ worth of expenses so that you can continue to live normally should a disaster occur.

Establish an attainable monthly savings goal, even if you have to start out small, and put that money into a dedicated emergency savings account. When looking for ways to save, consider doing the following:

  • Grocery shop with a list and coupons
  • Install a programmable thermostat to save on heating and cooling costs
  • Request a rate reduction on your credit card(s)
  • Shop around for a lower rate on auto/homeowner’s insurance
  • Treat your emergency fund as if it were a bill that needs to be paid each month
  • Trim unnecessary bills of things you rarely use (gym memberships, cable, etc.)
  • When you pay off a bill, transfer the same amount as that payment was to your emergency fund each month
  • When you come into unexpected money, don’t splurge, save!

Remember, the emergency fund is there to cover your basic needs to survive (food, utility bills, automobile and mortgage payments); it does not need to account for luxuries such as vacations or entertainment.

June – Develop an emergency communication plan
How many phone numbers would you remember if your cell phone stopped working or was damaged? How many numbers does your child have memorized if you are not present or unable to help during an emergency? Does everyone in your household know where important documents are stored?

Help yourself by creating a comprehensive binder of documents that family members can access in case of an emergency. This binder should contain emergency contact phone numbers, as well as a communication plan and phone tree. It should also contain other important records and documents, such as: birth/death/marriage certificates; insurance policies; and medical records. Having this prepared, and in a known location, is a great way to be organized and have everything ready at your fingertips so that you can grab-and-go in a disaster situation.

Check back in July for Part Three of this four part series to learn about emergency food supplies, emergency kits, and evacuation routes.

For further reading, visit:
http://www.thesimpledollar.com/a-step-by-step-guide-to-building-a-big-healthy-emergency-fund/
http://www.bankrate.com/finance/savings/5-ways-to-grow-an-emergency-fund-4.aspx

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