THE PROPERTY INSURANCE CLAIM FUNCTION
Individuals and organizations select and purchase insurance policies to protect their interests. Policies include insuring agreements in which an insurer promises to make payments for covered losses and the policyholder agrees to pay the insurance premium. When a loss occurs to insured property, policyholders have the option to file a claim and receive any benefit provided by the insurance policy. Unfortunately, not all policyholders receive the complete coverage or payments described by their insurance policies. This is why many insurance policyholders hire Public Adjusters to manage their insurance claims.
Capital Risk Group manages first-party property claims exclusively for policyholders.
ADVOCATE FOR POLICYHOLDERS
Claims demand time, attention, and an understanding of the claims process. Sometimes policyholders become frustrated with the insurance companies handling their claims. Policyholders have the right to hire a public adjuster to prepare and present claims and to manage coverage disputes on their behalf. Capital Risk Group has the knowledge and experience to expedite your claim and to get your insurance policy to work for you. In many cases, we find that policyholders without public adjuster representation receive only a fraction of the amount owed for their claims.
OPERATIONS
OHIO
KENTUCKY
KENTUCKY
Public Adjuster license 1133305
201 E. Fifth Street, Suite 1900
Cincinnati, OH 45202
KENTUCKY
KENTUCKY
KENTUCKY
Public Adjuster license 840923
9850 Von Allmen Court, Suite 201
Louisville, KY 40241
50 East RiverCenter Blvd., Suite 435
Covington, KY 41011
INDIANA
UNITED STATES VIRGIN ISLANDS
UNITED STATES VIRGIN ISLANDS
Public Adjuster license 3245502
333 N. Alabama Street, Suite 350
Indianapolis, IN 46204
UNITED STATES VIRGIN ISLANDS
UNITED STATES VIRGIN ISLANDS
UNITED STATES VIRGIN ISLANDS
Public Adjuster license 3000179001
TAKE ACTION
HELPFUL STEPS AFTER A LOSS
- Keep a journal of all claims activities
- Report the claim to the agent and/or to the insurer
- Ask your insurer to explain and describe your policy coverage to you and to identify any time constraints
- Memorialize your communications with the insurer -- including specific statements by insurer -- in writing or by email to insurer
- Read and understand your policy conditional duties after a loss
- Safety First -- secure the premises
- Restore safety and fire protection systems and other protections
- Take immediate action to protect property from further damage
- Photograph the damaged and undamaged property
- Identify the costs of temporary measures necessary to resume operations and maintain safety and security
- Make necessary plans for living arrangements and/or business continuity
- Make plans to repair and/or replace damaged property
MAKE RESPONSIBLE DECISIONS
