Brown-O'Haver Public Adjusters
611 E. McKellips Road
Mesa AZ 85203

When you file a claim, your insurance company will introduce you to a claim representative who will be either an independent or a staff adjuster.

Consider the duties of the representative of the insurer:

Interpret coverage
Generally, they do NOT volunteer anything that increases insurance company liability
Generally provide for rebuild contractors NOT cash settlements
Negotiate settlements on an insured's claim to protect the interests of their employer

Recognize Relationship: Policy Holders vs. Insurance Companies

Your Referee:
The Cold Print of the Policy

Your Advocate: Brown - O'Haver, Loss Claims Representatives.

You wouldn't just send your documents to the I.R.S and tell them to tell you how much you owe; you would, instead, tell them! And, most likely you would retain an advocate to prepare that return. Don't let the insurance company tell you how much your loss is, retain an advocate to represent you.

PROVIDE EXPERT CLAIM PREPARATION
Prepare detailed inventories
Determine the actual cash value of the loss
Secure vital statements
Acquire necessary reports
Secure expert testimony
Provide gathering of evidence
 
BROWN - O'HAVER,
LOSS CLAIMS REPRESENTATIVES, PUBLIC ADJUSTERS
We specialize in the adjustment of claims on behalf of the insured.

DESIGN DETAILED LOSS SUMMATIONS
Provide knowledge to analyze loss
Initiate presentations
Determine the actual cash value
Arrange meaningful negotiations
Provide accurate replacement costs
Recover fast and fair settlements
 
MAKE SURE ALL POLICY STIPULATIONS ARE FAITHFULLY OBSERVED 
Initiate filing of necessary forms
Measure and document the insured's loss
Assist the insured in complying with the terms of the policy

REQUIRED THINGS TO DO IN CASE OF LOSS...
The (165 Line) Standard Policy provides that upon the occurrence of a loss, the insured owes a duty to the insurer to provide the following information:

       Lines    90-91: Insured shall give immediate written notice to the Company of any loss.
       Lines    91-92: Protect the property from further damage.
       Lines    91-93: Forthwith separate the damaged and  undamaged personal property.
       Lines    93-94: Put the property in the best possible order.
       Lines  97-113:  Within sixty days after the loss, unless such time is extended in writing by the Company, the insured shall render to the Company a Proof of Loss, signed and sworn to by the insured, setting forth (various points).
       Lines 113-115: The insured, as often as may be reasonably required, shall exhibit to any person designated by the Company,  all that remains of any property herein described.
       Lines 116-117: Submit to examinations under oath.
       Lines 118-122: Produce bills and invoices for examination.

(These requirements of the policy are valuable safeguards to the insurer, since it enables it to arrive at a determination as to whether the loss is one covered under the policy and to the true measure of what the loss actually is).



611 E. McKellips Road
Mesa AZ 85203
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