How Does Allwest Adjusters Help?

The insurance company needs a “Proof of Loss” to settle the claim. So that’s what we give them… Proof. By extensively (and properly) documenting the loss, we put the burden of denying items on them. With proper proof, the claim is undeniable. So is the benefit to you.

It adds up quickly

A loss is not a “a loss”. It is thousands of small losses. A treasure, an heirloom, an irreplaceable photo, your favorite chair, your home theatre, your Great-Grandmother’s china doll collection, your clothes… your bed. Allwest Adjusters has experience in making sure that every little thing (and big thing) you lost is accounted for. And that may be a huge task. One of our recent inventories was so thorough, the document so large, it took a week to print out. Every item was photographed, cataloged and assigned a value. It’s a daunting task for you, especially after a loss of this magnitude. But we’re professionals. It’s what we do. We’ve done it before, and we will do it again for you.

It’s a dirty job…

Fire is the worst nightmare of a home owner. What could be worse than losing your earthly possession to a fire? How about sifting through the ashes to document the loss? It’s a tough job, but we have the experience to do it for you. Don’t make this harder than it already is. Let the pros do the dirty work.

A picture is worth a thousand words. What is a thousand pictures worth?

Nothing sets a claim in concrete better than photographic images. And Allwest Adjusters has the experience to properly document a loss. We record video, take still photos, and computerize the data. All this works to make documenting the claim easier for the insurance company to assess, and harder for them to balk on it.

Nothing is “priceless”

If money talks, then price is the language. If your policy covers you for replacement cost, we establish the replacement cost procedure. Only then do we arrive at the actual cash value of each item based on the age, the remaining life. Then we make the claims for the replacement cost when required. Often times, the market value is different than the depreciated actual cash value (ACV). Whichever benefits you most is what we document. We are very thorough, and we work to increase your benefit. Now you see why the insurance companies tried to warn you away from us?

If anyone knows what you have lost, it’s you.

Any item not documented is not part of the claim. To ensure that every item is accounted for, we consult with you. We want to be absolutely sure that nothing is missed. Losing it was bad enough. Having it left out of the claim compounds the loss. We will do all within our power to prevent that.

We can’t put you in a palace, but…

Your insurance company made you a deal… You pay the premiums, and they will insure your standard of living, if you suffer a loss. You paid (and paid, and paid) the premiums. Now, it’s their turn to keep their end of the deal. “Additional Living Expense” is what the insurance company owes you so that you may maintain the same standard of living you had before the loss. You paid a premium, and deserve to live as though the loss didn’t occur, with the same standard of living. And that means all actual, comparable costs of living are covered. If you wouldn’t be paying it without the loss, it’s covered. Expenses such as:

• Rent
• utility setup costs
• furniture rental
• additional commuting mileage
• baby-sitters
• …and more.

We’ll make sure you live as you should in the meantime. You had a deal, and we make sure they keep it.