Types of Insurance Claims

Building Claims

Among several types of insurance claims, our most commonly served claims involve physical structures and their contents. In order to properly adjust any claim for damage to a structure, it is important to prepare a detailed repair estimate. Sarasohn and Company will do that on your behalf. Whenever necessary, we will employ the services of architects, engineers, contractors, and other independent experts at no additional cost to you. Full consideration is given to the provisions of your policy, as well as applicable statutes and case law, in order to maximize the recovery. This includes consideration of depreciation, coinsurance, code upgrades, deductibles, and any other factors important to a successful adjustment.

Personal Property Claims

All insurance policies require the submission of a complete inventory of both the damaged and undamaged personal property. This includes machinery, trade fixtures, appliances, merchandise inventory, household furnishings, clothing, and all other movable property insured under the policy. This coverage also covers improvements and betterments on tenants’ policies, which can be treated in several ways for claims purposes. Sarasohn and Company has on its staff, experienced personnel who can fill these requirements. In addition to listing the property involved, our experts will calculate the replacement cost and actual cash value of each item as well as the repair cost when appropriate. We will determine salvage value, if any, and help arrange for protection of the property from further damage, as required by the policy. Our services can be helpful in documenting your tax loss if any.

Loss Of Income Claims

One of the most complex aspects of your claim involves calculating the loss of income you will suffer as a direct result of damage to real or personal property. Sarasohn and Company has incomparable expertise in business interruption claims and is often hired by competitors to assist with their loss of income claims.

One of the questions that frequently arise in a loss of income claim involves the continuation of payroll during the period of restoration. It is extremely important that a method be established as soon as possible after the loss, to resolve this aspect of the claim. Sarasohn and Company, with its years of experience, will assist you with these important decisions. Extra expense coverage can be used creatively to make up for insufficient property coverage, should that scenario exist.

A flooded street with a stop sign in focus, water submerging the roadway and lawns around residential buildings.

Role of Public Adjusters in Natural Disasters

When natural disasters strike, the aftermath can be overwhelming for the affected communities. Amidst the chaos, public adjusters emerge as invaluable allies, guiding victims through the intricate process of insurance claims. This article delves into the crucial partnership between public adjusters and disaster victims, with a particular focus on Sarasohn & Company Public Insurance Adjusters,…

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Common Mistakes Homeowners Make After Property Damage

When property damage strikes, the aftermath can feel overwhelming for homeowners. It’s a time fraught with decisions, actions, and emotions. Yet, amidst this chaos, it’s crucial to navigate with caution and awareness. Sarasohn & Company Public Insurance Adjusters highlights several common pitfalls homeowners fall into, potentially complicating their path to recovery. This guide aims to…

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storm damaged house

Top Mistakes to Avoid in Your Property Damage Claim

When filing a property damage claim, the path to receiving a fair settlement is fraught with potential pitfalls that can jeopardize your claim’s success. A public adjuster plays a critical role in navigating this complex process. They make sure that policyholders avoid common mistakes and maximize their settlement. Sarasohn and Company can offer invaluable assistance…

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Public Adjuster vs. Insurance Company Adjuster

When disaster strikes, navigating the aftermath can be overwhelming, especially when it involves filing an insurance claim. At Sarasohn & Company Public Insurance Adjusters, we understand how crucial it is to have the right support during such stressful times. One of the first steps in ensuring you are adequately represented is understanding the differences between…

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Sarasohn & Company: A Legacy of Excellence in Public Adjusting

For nearly a century, the name Sarasohn has stood as a beacon of integrity and expertise in the realm of insurance adjusting. Established in Newark, NJ in 1924 by Emmanuel Sarasohn, Sarasohn & Company has evolved into a family-owned and operated business, now led by industry leader Stephen Sarasohn alongside his sons, Bernard and Nathan….

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The Top 5 Reasons To Hire An Insurance Adjuster

When your home or business experiences a substantial loss due to a natural disaster or other unplanned cause, your insurance company is already preparing to play both sides of your proverbial coin. While our goal as public adjusters is not to malign insurance companies, nor negatively influence your opinion towards your own, it’s crucial to…

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