Experiencing a fire, tornado, or even a flood can beunexpectedly overwhelming and life-changing. It is inour nature to trust those who are supposed to be thereto help us. I know that in small towns and rural areasthis is even more prevalent because everybody knowseverybody, the buddy system if you will. I am from asmall town and know the mentality there is verydifferent from that in the city.
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What people sometimes do not know is that their insuranceagent that you know has to turn your insurance claim over tosomeone that doesn't know you. These outside people willadjust your claim.
As public adjusters, Brown - O'Haver will go over your policyand work to help you receive what you deserve from yourpolicy.
If you have a large or total loss many times that could meanyou are due policy limits. Unlike the insurance company, whichwill estimate the value of your belongings, Brown - O'Haverour goal is to go into the home and inventory everythingwithin it. That means if we see a pencil, bar of soap, dishtowel,or any myriad of small items we will include it in yourinsurance claim. We then will take that list and price it withcurrent replacement values. We will also give you a list ofcommon household goods for you to add anything we havemissed due to it being unidentifiable. This gives you anaccurate amount to submit to your insurance company sothat ultimately money you receive and help you to rebuildyour life.
Sometimes the insurance company will tell you that thingscan be cleaned and not cashed out. In some cases, this istrue. However, there are many things that the smell of smokeor water will never come out of or work properly again.
As an inventory specialist at Brown O'Haver I participate inthe physical inventory, input, and pricing of an inventory. It ishard and arduous work that most people do not do for theirown claims. Most people only list the big things such asfurniture and electronics but I have found over the time I haveworked at Brown O'Haver that it is the little things that add upand placing those things on an inventory can truly help aperson in the rebuilding of their home and life.
