Homeowners

Your Home. Your Claim. Our Expertise.

Homeowner's claims carry with them a unique issue because this is where you (the name insured) lives, eats, and breathe. It is imperative that you receive a proper settlement so as not to experience any discomfort in the future in your residence. Example a smaller home, lingering smoke smells, devalued contents etc. To guard against this we have developed the following effective proactive claims handling process.

Analysis of the Policy

The first vital step is to review the policy and identify the coverages, conditions, provisions, exclusions and obligations.

Quantifying and Documenting the Personal Property

As the policy holder you are required to prove the full extent of your loss and support it with the appropriate documentation. When Maib Adjustment handles your claim we will:

Evaluate if the item is repairable or destroyed.
Physically “dig” through debris on site then describe the items in an inventory catalog.
Calculate and apply proper valuations with regards to R.C.V., A.C.V. and depreciation when applicable.

Quantifying and Documenting the Home Structure

A comprehensive and detailed damage appraisal to the structure is the duty of the homeowner. When Maib Adjustment handles your claim we will:

Identify the physical damage to the structure.
Evaluate what procedures are appropriate and fitting for the damaged structure.
Determine the dollar amount of damage to the building.
Calculate and apply proper valuations with regards to R.C.V, A.C.V. and depreciation when applicable.

Presentation of Your Claim

After your approval all necessary documentation of the claim package will be presented to your insurance company.

Negotiation of Your Settlement

Our expertise in documenting and presenting your loss postures us to negotiate from a position that is logical, well supported, realistic and all encompassing.

Questions to Consider

Do you really have the spare time and emotional energy to take on this claim as well as the insurance company?
If you have had prior claims, do you feel you received a great settlements?
Do you have a good understanding of the terms, forms and procedures such as examination under oath, notarized proof of loss, reservation of rights and non-waiver agreement etc.?