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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Steve Surace Featured in Insure.com Article

Adjusters International’s Vice President and CFO Steve Surace, CPA, CFF, MBA was recently interviewed by Insure.com for their article “How home insurance coverage decisions affect claim payments.” Some ...

Adjusters International’s Vice President and CFO Steve Surace, CPA, CFF, MBA was recently interviewed by Insure.com for their article “How home insurance coverage decisions affect claim payments.”

Some homeowners assume that their insurance policy covers the full value of the house, the contents within the house, and any damage to the property after a disaster. But, this is not the case, as there are coverage limits on every policy that are determined when the policy is purchased. Most homeowner policies only insure specific disasters. In order to be covered for all types of perils, and for the extra expenses that are incurred during the rebuilding process, Surace stresses that homeowners should purchase additional coverage. Waiting until after a disaster strikes can negatively affect the amount awarded to you in your claim settlement.

Surace points out that there can be many unexpected costs incurred by the homeowner in the claims process, such as building-code upgrades and additional living expenses. If the homeowner had not purchased ordinance and law coverage prior to the disaster, they would have to pay out-of-pocket the costs to bring the building up to code. A homeowner will also have additional living expenses—those extra costs incurred because you cannot live in your home while repairs are completed—that need to be budgeted for during the rebuilding process.

“Maybe you’re farther away from your job and you have to drive 15 miles extra to work every day. They should compensate you for those additional miles,” says Surace. “These are things that you need to make sure you’re paying attention to so that you can submit them with your claim.”

The full article “How home insurance coverage decisions affect claim payments” is available on the Insure.com website. More information on “Ordinance or Law Coverage” is available through Adjusting Today.

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Suffered damage to your home? Tips to help inventory your possessions.

When a disaster strikes your home, there is little time to waste before you start the recovery process. Before you can file your insurance claim, you must fully ...

When a disaster strikes your home, there is little time to waste before you start the recovery process. Before you can file your insurance claim, you must fully document and inventory all of your damaged belongings. Very few people have ever prepared a current inventory list, or videotaped their belongings, before a loss. And, as result, they are left to rely on memory. In this case, there are several things you can do to help track your personal belongings and prove to your insurance company that the claimed items were purchased, owned and lost/stolen/damaged:

  1. Track down any saved receipts and electronic receipts, cancelled checks, as well as bank and credit card statements
    • This will be helpful in proving to the insurance provider that the items claimed were rightfully purchased and the date purchased to help assess the quality of the item.
  2. Look through photographs and videos taken in your home
    • Gather old photographs or home videos of your home, and ask friends and relatives to as well. Look for items in the background of these images to help complete your catalog.
  3. Seek out owner’s manuals and product accessories
    • Owner’s manuals and accessories may help to jog your memory — especially of electronic equipment and major appliances. This can also help with proof of purchase.
  4. Make a list of the items you clearly remember owning
    • Make a list from memory of anything and everything that was in the house when it was damaged.
  5. Check manufacturers’ websites
    • Get estimates off of manufacturers’ websites to see if they can help determine retail value of a comparable item.
  6. Hire a professional inventory specialist
    • These specialists are experienced with sifting through damaged items after a fire, and know the right questions to ask and the right things to look for in putting together a more complete home inventory.

As the old saying goes, “Hindsight is always 20/20.” While the best thing to do is to prepare beforehand, making sure to keep a home inventory that is up-to-date, rarely does the average homeowner know to prepare for the worst. Relying on memory only to recreate a comprehensive list of belongings greatly lowers the chance that you will collect your full insurance benefits. But, by following the recommendations above and considering enlisting the assistance of a professional, you may increase your chances of getting a more equitable settlement.

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