We can help you maximize your claim on the most common propertY damage

Interpreting an insurance policy to see if you have a claim can be a complicated and stressful process. Our experts can quickly determine if you have a claim and start the claims process.

CONTACT US TO ANSWER YOUR QUESTIONS

WHAT IS A CLAIM PROCESS LIKE?

We will come to your home to assess the damage and review your insurance policy. We then prepare a proprietary estimate of damages to present to your insurance company. We will present your claim to your insurance company and negotiate the best settlement. Our process is designed to be as thorough as possible with minimal stress to you. That’s the difference you get when you have an expert public adjuster like Alliance by your side!
Maximize Your Claim

WE DON’T GET PAID UNLESS YOU DO

If your claim is denied, you owe us nothing! We’ll make sure you are paid for everything to which you’re entitled. Without our assistance, your insurance company will often underestimate the damage to your home and pay you as little as you’ll accept. Why settle for less? An Alliance adjuster will take care of all the details with no upfront cost in order to maximize your claim.

Maximize Your Claim

Claims Process FAQs

Your safety comes first. If there are hazards like broken glass, exposed wires or structural damage, evacuate the area and take whatever steps are necessary to protect your family or employees. Once it’s safe, document the damage thoroughly—take photos and video from multiple angles, write down what happened and when, and make a list of damaged items. Take reasonable measures to prevent further loss, such as tarping a roof or shutting off water, but avoid permanent repairs until the damage has been inspected. Keep receipts for any emergency expenses.
Insurance policies require prompt notice of loss, which usually means you should report the claim as soon as possible after discovering the damage. Pennsylvania regulations require insurers to acknowledge your claim within 10 business days and to accept or deny it within 15 days of receiving your proof of loss; however, failing to report promptly can still jeopardize coverage. Don’t wait to see if the damage gets worse—opening a claim preserves your rights.

Insurers will expect a detailed record of your loss. Be prepared to provide:

  • Written details about what happened, when and where it occurred, and any parties involved.
  • Photographs or video of the damage and any damaged personal property.
  • Receipts or credit‑card statements for the damaged items, repair estimates and invoices.
  • An inventory of damaged property showing quantities, description and approximate value.
  • Copies of your lease or mortgage documents if applicable.
  • Police or fire reports if the damage involved theft, vandalism or a fire.
Yes—if you must take immediate steps to prevent further damage, such as covering a roof leak or boarding up broken windows, do so. Only make emergency repairs necessary to protect the property. Contact your insurer first if possible; some policies restrict unauthorized work. Keep all receipts and do not discard damaged items until your adjuster has inspected them.
A public adjuster is a licensed professional who works for you, not the insurance company. They come to your property, assess the damage, review your policy, prepare a detailed estimate of your loss and present your claim to the insurer. They negotiate on your behalf and help ensure you receive a fair settlement. Public adjusters are paid a percentage of the claim proceeds, and you typically owe nothing if there is no recovery.
  1. Report the claim: Contact your insurer or public adjuster promptly with basic information about the loss.
  2. Inspection and estimate: The insurer assigns an adjuster to inspect the damage and evaluate coverage. Your public adjuster may also prepare an independent estimate.
  3. Documentation and negotiation: Submit photos, inventories and repair estimates. Negotiate the settlement if the initial offer does not fully cover your loss.
  4. Settlement and payment: Once a settlement is agreed on, the insurer issues payment. It may be made in one lump sum or in stages (initial payment and final payment upon completion).
  5. Repairs and closing the claim: Hire licensed contractors to make permanent repairs. Keep records of all work and expenses. Once repairs are completed and payments issued, the claim is closed.

Time frames vary depending on the complexity of the loss, availability of contractors and whether additional negotiations are needed. Insurers must acknowledge your claim within 10 business days and, after receiving a sworn proof of loss, make a decision within 15 days. Simple claims can resolve in a few weeks, while major losses may take months. Working with a public adjuster and providing complete documentation can help reduce delays.

You have the right to challenge the insurer’s assessment. Provide additional documentation such as contractor estimates, expert reports or more detailed inventories. A public adjuster or an attorney can assist in negotiating a higher payment if the initial offer is inadequate. If negotiations stall, you may invoke the appraisal clause in your policy (if available), seek mediation or arbitration, or, as a last resort, pursue legal action.

Most homeowners policies include Additional Living Expenses (Loss of Use) coverage. If your home is uninhabitable due to a covered loss, this coverage pays the reasonable extra costs of living elsewhere—such as hotel bills, restaurant meals, laundry and storage—above your normal expenses. It typically continues until your home is repaired or you find comparable housing, up to the policy limit. Check your policy or consult your adjuster for specifics.

HIRE A PUBLIC ADJUSTER TODAY

Contact us today or visit our Doylestown office to get started.

Address: 435 N Main St, Doylestown, PA 18901. See driving directions.

Open 24 hours

Phone number: 267-880-3000

Email: claims@allianceadjustment.com

 

When you work with our licensed public adjusters, we guide you through each step of the insurance claim process—from the initial review through documentation, submission, and settlement. Our focus is on clarity, organization, and making sure the full scope of your loss is accurately presented.

If you’re ready to learn how the process works or would like help getting started, contact us today or use the form below to request a no-obligation consultation.

Maximize Your Claim
Accessibility by WAH