After serving three decades as a restoration contractor, Jack Hanks decided to make a change in his career. Joining with companies like State Farm, among others, Jack learned the ropes of insurance adjusting. Eventually, he earned his license and started on his own company called Velocity Public Adjusting.
Jack explains, “A public adjuster is an advocate for the policy holder. Making sure they are getting the claim negotiated and paid fairly. Any catastrophe or event needing an insurance claim is the right time to use a public adjuster.” The exception to submitting an insurance claims may be a simple residential claim, in this case an adjuster may not be necessary. Just as you don’t want the IRS doing your taxes, you don’t want the people who hold your policy and paying you to negotiate on your behalf.
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A public adjuster will put a scope of damage together, look over the policy in total, and make sure you are receiving just compensation. The more complex the situation, the more help a public adjuster will be to you.
Velocity Public Adjusting currently has adjusters licensed in 38 states. They do mostly commercial claims, in fact 80% of their work is in the commercial realm. They educate and validate all aspects of the policy and claim to make sure everything is on the up and up. It helps no one to file false or inaccurate claims. They keep it clean.
How to know if you have a claim worth filing? Three things are needed: a policy in effect, storm date, and resulting damage. If one of these 3 is missing, you have no claim. Look for a legitimate storm date within the area including that specific address. If there is actual damage (not just needed maintenance), and there is a policy with proper coverage, then it’s worth opening up a claim. Velocity takes the time to look for hidden damage as well. If no visible damage is detected, it does not mean the ISO board underneath isn’t suffering moisture from the storm (or some other more-difficult-to-see problem).
Public adjuster training has been growing significantly. Velocity alone has trained nearly 250 public adjusters and roofing contractors in the past 2 years. Jack stresses, “Morals and ethics are a very important part of it. We’re honored to be Public Adjuster of the Year 2021-22. People know when they’re being fed a line, so to be nominated for Adjuster of the year by roofing clients and voted in by those who respect and appreciate you, that is certainly rewarding!”
With skyrocketing property values, make keeping enough coverage an issue. Add supply chain issues for repair work, plus inflation on the products themselves and you have a stressful situation. Deductibles are higher with more exclusions than ever, and most people make the mistake of not knowing what is in their policy or having enough coverage. Let a good public adjuster lighten the burden and advise you with experience and expertise.
The Velocity team is honored to work in your best interest, bringing you the client/policy holder the best result and outcome in the most trying of circumstances.
SPONSOR APPRECIATION
Special thanks to our sponsor Top Roof Marketing, a full-service marketing group that specializes in the commercial roofing industry.
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