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Various possible losses caused by water intruding where it will enable attack of a material or system by destructive processes such as rotting of wood, mold growth, bacteria growth, rusting of steel, swelling of composite woods, de-laminating of materials such as plywood, etc.

The damage may be imperceptibly slow and minor such as water spots that could eventually mar a surface, or it may be instantaneous and catastrophic such as burst pipes and flooding. However fast it occurs, water damage is a major contributor to loss of property.

An insurance policy may or may not cover the costs associated with water damage and the process of water damage restoration. While a common cause of residential water damage is often the failure of a sump pump, many homeowner's insurance policies do not cover the associated costs without an addendum which adds to the monthly premium of the policy. Often the verbiage of this addendum is similar to "Sewer and Drain Coverage".

-wikipedia

Windstorm, a wind that is strong enough to cause at least light damage to trees and buildings and may or may not be accompanied by precipitation. Wind speeds during a windstorm typically exceed 55 km (34 miles) per hour. Wind damage can be attributed to gusts (short bursts of high-speed winds) or longer periods of stronger sustained winds. Although tornadoes and tropical cyclones also produce wind damage, they are usually classified separately.

Windstorms may last for just a few minutes when caused by downbursts from thunderstorms, or they may last for hours (and even several days) when they result from large-scale weather systems. 

A windstorm that travels in a straight line and is caused by the gust front (the boundary between descending cold air and warm air at the surface) of an approaching thunderstorm is called a derecho. 

Gustavus Hinrichs, a physics professor from the University of Iowa and founder of the Iowa Weather Service, applied the term derecho—a Spanish word that means “straight” or “right”—to straight-line winds in 1888.

Derechos are capable of causing widespread damage and landscape devastation. For example, the winds of a derecho occurring in northern Minnesota, U.S., on July 4, 1999, peaked at or near 160 km (100 miles) per hour and blew down tens of millions of trees.

-www.britannica.com

 Flooding is an overflowing of water onto land that is normally dry. Floods can happen during heavy rains, when ocean waves come on shore, when snow melts quickly, or when dams or levees break. 

Damaging flooding may happen with only a few inches of water, or it may cover a house to the rooftop. Floods can occur within minutes or over a long period, and may last days, weeks, or longer. Floods are the most common and widespread of all weather-related natural disasters. 

-www.nssl.noaa.gov/education/svrwx101/floods/

 A fire in your home can cause serious damage. Your home and many of the things in your home may be badly damaged by flames, heat, smoke and water. You will find things not damaged by the fire may still be ruined by smoke and may be soggy with water used to put out the fire. Anything you want to save or reuse will need to be carefully cleaned. 

To fight the fire, firefighters may have broken windows and cut holes in the roof. This slows the fire’s growth and gets rid of dark smoke that makes it hard for firefighters to see. They may have cut holes in your walls to make sure that the fire is completely out and not hidden in the walls. 

It is important to understand the risk to your safety and health even after the fire is out. The soot and dirty water left behind may contain things that could make you sick. Be very careful if you go into your home and if you touch any fire-damaged items. 

-https://www.usfa.fema.gov/downloads/pdf/publications/fa_46.pdf

Because you and your insurance company may not always see eye-to-eye on the estimation

of your loss, you or your insurer may invoke the appraisal per your policy contract. Typically,

before the appraisal process begins the scope and nature of the loss have been determined;

therefore the invocation of the appraisal is to settle the dispute of the valuation/estimation of the

claim. Since the appraisal process is legal and binding it is important that this processes is well understood. 

Adjuster Pro Services is a top public adjusting firm offering insurance appraiser services. If you’re looking for an Appraiser, contact Adjuster Pro Services for a consultation! Our team provides premium insurance appraiser services for people involved in claim disputes with their insurance companies for a wide array of covered loss claim types.

 The Umpire is held responsible to not only the parties involved, but also to the process of appraisal. 

This means that the Umpire is held to extremely high standards of conduct in order to maintain the fairness and integrity of the process. On top of this, an Umpire needs to recognize their responsibility to the parties whose rights are being decided, the public, and to anybody else involved in the proceeding. 

The Umpire ultimately holds sway over all problems submitted to him or her. The decision is binding on both parties involved. 

Therefore, an Umpire needs to exercise independent judgement, decide all matters justly, and should not allow any outside pressure to impact their decision.

Adjuster Pro Services writes estimates using a program called Xactimate. We have composed thousands of estimates with extensive experience and knowledge in both the building industry and as a public adjuster in the Insurance Industry.   

We compose estimates for Homeowners, Business owners, Attorneys, Contractors, Etc. Each estimate is tailored to each individual’s needs. We can even include your letter head.

Estimates can be written based on information you provide or we provide a full service inspection which includes estimate with sketch of effected area(s), photos and description of loss.

We offer 3D camera virtual tour packages. This service can be stand alone or added to a full service inspection. 

3D virtual tour technology is vital to your loss before, during and after. 

Insurance companies can delay your claim until you can provide photos of the premises or personal property prior to a loss. Having a copy of a 3D virtual tour of your property could take the headache away from scouring through random pictures hoping to find proof of your pool screen intact, oversized baseboards, that beautiful handcrafted armoire, etc.

During the loss it can help tell the story of the devastation. Once you are able to rebuild the extent of the loss, if in dispute, can be hard to relay without proper documentation, having a 3D virtual tour says more than a thousand words. 

After the loss is much the same as before as it captures the completed repairs and any updates/changes made during the repair process. 

This imagery is vital, at any stage, in documenting the premises and personal property in the event you are asked to prove what you are claiming. 

Let us help you with pre-loss documentation, review your policy, assist with personal property inventory sheets, and more!

We offer 3D camera virtual tour packages. 

3D virtual tour technology is vital to your loss before, during and after. 

Insurance companies can delay your claim until you can provide photos of the premises or personal property prior to a loss. Having a copy of a 3D virtual tour of your property could take the headache away from scouring through random pictures hoping to find proof of your pool screen intact, oversized baseboards, that beautiful handcrafted armoire, etc. 

During the loss it can help tell the story of the devastation. Once you are able to rebuild the extent of the loss, if in dispute, can be hard to relay without proper documentation, having a 3D virtual tour says more than a thousand words. 

After the loss is much the same as before as it captures the completed repairs and any updates/changes made during the repair process.

This imagery is vital, at any stage, in documenting the premises and personal property in the event you are asked to prove what you are claiming.