Park Slope, Brooklyn Historic Townhouse Fire – Property owner receives an increase of $1,067,499.00 (208%) for building damages with the Help of United Public Adjusters & Appraisers, Inc.
In January 2017, a homeowner was alerted to a fire on the upper floors of her home and fortunately made it to safety. The fire investigation uncovered that the contractor who had recently repaired the wood flooring left stain and/or oil-soaked rags within the unoccupied unit which caused a fire by the stain rags spontaneously burning. While this was an accident, the next steps were for the property owner to report the fire damage to her insurance company. Once reported, the insurance company expressed their sympathies and ensured she was in good hands. As weeks passed after the fire, the property owner no longer felt that the insurance company had her best interest in mind so she reached out to Philip Maltaghati of United Public Adjusters & Appraisers, Inc. for guidance.
Upon our firm being retained, we began to document and evaluate the extensive property damages to the original, but extremely well-maintained plaster finishes, custom architectural millwork, and mahogany/maple/walnut/oak wood flooring. After our firm presented a well-documented and supportive estimate for building damages and took numerous inspections, the insurance company brought out their own building estimator who was not familiar with the Park Slope, Brooklyn finishes which resulted with a low-ball building offer of $513,201.72. The policyholder and our firm were extremely disappointed as the insurance company estimator repeated over and over that he was familiar with NYC construction and landmark Preservation Commission guidelines, but with an inferior building estimate being offered to us, it was obvious that the insurance company and their “experts” lacked the experience and knowledge to handle a complex fire loss.
Considering the huge difference between our submitted claim for building damages and the insurance company offer, a Demand For Appraisal was made by the insurance company. After months of back and forth between the two appraisers, the Building Appraisal Award was signed and the policyholder received an increase of $1,067,499.00.
While many residential and commercial property owners are not aware of what a Public Adjuster is, Education is key when negotiating and preparing a claim for damages with your respective insurance company. United Public Adjusters & Appraisers, Inc. ONLY Represents the Policyholder, NOT the insurance company! Who is your Property Loss Advocate? Please call our firm to discuss your Property Damage Claim and see if we can be a resource as it’s never too late for us to get involved!
We have offices in NYC and Long Island and can be reached at 718-641-5677 (LOSS) or 800-718-5677 (LOSS) or Service@UnitedPublicAdjustersNY.com
Another success story in Marathon Key, Florida after our client received a letter dated October 4, 2017 from the insurance company stating “Your policy contains a deductible of $12,500.00, and you will note that the total damages of your claim are less than this amount.”. Our team of licensed public insurance adjusters reviewed the initial offer, which did not provide payment for the roof that was damaged by Hurricane force winds of 100 MPH. We immediately presented documentation as to the pre-existing condition of the roof as the insurance company did an inspection years earlier stating the roof was in good condition with no signs of damage.
Due to the overwhelming evidence of the pre-existing condition of the roof, the obvious wind damages to the roof after Hurricane Irma and our firm’s fierce negotiations, the insurance company reversed their decision to deny coverage for the roof and ultimately paid our client to replace their roof. Our clients were extremely satisfied with the results of our firm’s diligence in both their wind and flood insurance claims.
“We had extensive damage from hurricane Irma and Philip Maltaghati from UPA has simply been outstanding to deal with and extremely helpful in getting our claim resolved. Very prompt, professional and excellent with communication. Could never have had any better service.” – Marathon, FL Homeowner
From ZERO dollars to a full recovery, it’s amazing how insurance companies treat their customers when they don’t have a public adjuster! For Florida policyholders who are exhausted with claim delays and minimized payments for their covered damages, please contact our firm for a policy and claim review at 1-800-718-5677 (LOSS) or Philip@UnitedPublicAdjustersNY.com.
In the fall of 2017, Hurricane Irma caused devastation throughout the Florida Keys, especially in Marathon Key where our team ensured our Resort and Condo Association clients were fully compensated for their covered damages. In this success story, the Condo Association had a $119,471.60 wind deductible and an initial offer was $134,609.10, which left them with a check in the amount of $15,137.50. Due to our team of fierce public insurance adjusters, local Florida resources and the assistance of the Condo Association board President, who trusted our firm to help the Condo Association, we ultimately negotiated a $285,994.41 claim settlement. This claim settlement represented a 112% claim increase or $150,385.31 more than their initial building offer for wind damages.
Furthermore, our team continues to negotiate the condo association’s flood damage claim as the storm surge caused flood damages to the elevator and associated equipment. The elevator damages and insufficient initial offer from the insurance company flood adjuster have forced the residents to be without the use of the elevator for months.
If you’re a property manager, real estate owner, asset manager, or on the condo association board, then please contact our team of licensed public insurance adjusters to review your policy, insurance company offer, and damages to see if you are entitled to additional monies as a result of Hurricane Irma. Our firm can be reached by phone at 1-800-718-5677 (LOSS) or by email at Philip@UnitedPublicAdjustersNY.com.
In March of 2017, a Nor’easter hit New York causing record snow amounts and freezing temperatures. Many residential and commercial buildings throughout New York were damaged, including one of our clients who owns a SRO (Single Room Occupancy) building in Rockaway Park, Queens. United Public Adjusters & Appraisers, Inc. was called for claim assistance immediately after the building’s two story porch suddenly collapsed due to heavy ice and snow build up. After the collapse, the New York City Department of Buildings placed a FULL Vacate Order on the building and required the gas and electric service to be shut off for safety reasons.
Many large real estate owners in New York are familiar with the issues that arise after a major property loss and that is why they call United Public Adjusters first! Knowing that most insurance companies and their “experts” are not familiar with NYC building codes, our team ensured the damages were properly documented so any ensuing damages as a result of the collapse would be estimated and presented to the insurance company in a timely manner. As with any major building collapse, the insurance company called their own structural engineer to the property to evaluate the extent of the damages. Their structural engineer came from Chicago, NOT New York, to evaluate the cause of the collapse as well as the resulting damages. Being from another state may not seem like an issue, but if the structural engineer is not familiar with local building codes, then they may not understand the process required to obtain permits for repairs or the time required to remove a FULL Vacate Order. This presents a major issue for the insured when the insurance company is relying on such an “expert”. To make things worse, the structural engineer may not be experienced in the effects of a building collapse, which can only cause more delays when settling a large property damage collapse claim.
Our firm contacted a local structural engineer to assist in documenting the cause of the collapse and provide a report on how the building should be properly repaired. After reviewing our engineers report, we prepared a building estimate that was submitted to the insurance company for their review. Shortly after submitting our detailed claim for building damages the insurance company sent us their own engineer report and a building offer in the amount of $95,207.46. At that point, we reviewed the insurance company engineer report and associated estimate and quickly saw the engineer report omitted extensive ensuing damages as a result of the collapse. Our team of licensed public insurance adjusters immediately contacted the insurance company and their “experts” and sent over a list of the numerous issues with their engineer report and building repair estimate.
Due to our fierce and aggressive negotiations, the insurance company adjusters and management decided it was best to bring in another building consultant to see if they could assist in coming to an agreed scope of damages with our firm. As result of these actions, United Public Adjusters & Appraisers, Inc. ultimately came to an agreed scope of damages with the insurance company in the amount of $247,924.96, which represented a 160% claim increase for our client!
If you or your clients experience a NYC Residential or Commercial property loss arising from Water, Fire, Collapse, Damage by Adjacent Construction, Theft, Vandalism, or Construction Damage, then please call our team of local experienced & Licensed Public Insurance Adjusters at United Public Adjusters & Appraisers, Inc. at 718-641-5677 (LOSS) or 1-800-718-5677 (LOSS).
In August 2017, a Cooperative Unit Owner on Central Park West in Manhattan, NY experienced a disastrous water loss from an upper floor unit. The flowing water caused damages to both fine arts, rugs and the betterments and improvements, which included plaster wall and ceiling finishes, kitchen cabinetry, wood flooring, custom cedar closets and wallpaper. The unit owner had multiple parties providing differing opinions on the next steps to recover from their property damages. United Public Adjusters & Appraisers, Inc. provided clarity as to what their insurance policy covered as well as how we were going to ensure they were fully compensated in the shortest period of time.
As many high end Manhattan contractors and interior designers would agree, many insurance company adjusters and their “experts” are not familiar with local NYC construction pricing, which can present numerous hurdles for our team of public adjusters when preparing and negotiating a property damage claim with opposing interests. When our NY licensed public adjusters prepared our claim for building damages we reached out to subject matter experts who know and live in NYC to assist in valuing the real cost of plaster, woodwork, painting, wallpaper, and electrical, so that an accurate claim was submitted to the insurance company.
On 10/2/2017, our firm received an offer from the insurance company in the amount of $89,296.00 for repairs to the policyholder’s interior improvements. After reviewing the inadequate offer, we immediately prepared a detailed list of differences and rebuttals as to why the insurance company estimate was incorrect. As a result of our firm’s detailed response and negotiations, on 10/4/2017, United Public Adjusters & Appraisers, Inc. received an updated offer in the amount of $234,264.16 which represented a 162% claim increase for our clients!
If you or your clients experience a NYC Cooperative or Condominium property loss arising from Water, Fire, Damage by Adjacent Construction, or other covered perils, then please call our team of local experienced & licensed public insurance adjusters at United Public Adjusters & Appraisers, Inc. at 718-641-5677 (LOSS) or 1-800-718-5677 (LOSS).
In the winter of 2015, our client experienced a disastrous fire in her Yonkers, New York home, which left their family feeling isolated and alone as the insurance company was delaying the claims process and still had them in a far away hotel. After the homeowner realized the insurance company was not taking care of her family, a week later, the family hired United Public Adjusters & Appraisers, Inc.
Once retained by the family, we immediately prepared detailed building and contents damage estimates and constantly negotiated to ensure the insurance company paid for all covered damages. In addition, we expedited the family into a temporary home so they would have a sense of normalcy during a chaotic time in their lives.
As you can see by the video and pictures below, the homeowner was able to build their dream home. Recently the family moved backed into their home and we received a Thank you card from the homeowner that stated “Thanks for all your interventions…We pray for your continuous success of your office.”
If you feel like your claim is being belittled, delayed, or denied, please don’t wait, call United Public Adjusters & Appraisers, Inc. for a free claim consultation as we ONLY represent the policyholders, NOT the insurance companies. Visit our website at www.UnitedPublicAdjustersNY.com or call today at 1-800-718-5677 (LOSS).
For two weeks the insurance company sent numerous vendors to clean a $20,000.00 upholstered sofa and $15,000.00 area rug, which was completely contaminated with black mold. The carrier also sent out a mold assessor whose report did not accurately reflect the severity of the water and mold damages. At that time, the penthouse Condo Unit Owner’s representatives decided to bring on United Public Adjusters & Appraisers, Inc. to ensure all water damages were properly documented, assessed and paid for by the insurance carrier.
Our firm was retained in January 2017 and our team immediately brought in our subject matter experts to detail and estimate the damages to the Sheetrock, paint, trim work, custom built-ins, cork wall coverings, glass tile walls, wood flooring, and personal property. Once our claim was submitted, a re-inspection was requested by the insurance carrier. The carrier brought out their Building Consultants “Unlicensed Adjuster Bullies” who would walk around and state “I don’t see the water damages” or “There is no way the repairs cost this much”. To combat this unethical behavior, our firm would reduce the verbal discussions to writing directly to the carrier as there was no way for a color picture with physical water damages to be disputed as not being there. To further document and support our subject matter experts, we provided copies of material purchase orders to establish the claimed pricing was correct.
As we all know, doing construction in Manhattan is much pricier than any other Borough in New York City and the logistics of construction here are downright challenging. Everything from the permit process to building access to delivering and staging the materials requires more time and planning.
In the end, we came to a scope and price agreement with the insurance company and the Owner’s representative stated “Your firm achieved 3 Times More than what we would have received if we didn’t utilize your firm to assist in the Claims Negotiations & Adjustments.”.
If you are a Manhattan Construction Manager or Owners Representative and your client’s business or High-End Residential Unit is damaged, then please contact us at 1-800-718-LOSS (5677). For more information on our company services, please visit us at http://www.unitedpublicadjustersny.com/category/success-stories/.
In February 2017, United Public Adjusters & Appraisers, Inc. was retained by a Woodside, Queens homeowner who experienced a vehicle fire in her driveway. The fire extended into her home causing toxic smoke and fire damages throughout the dwelling. The insurance company’s out-of-state inside staff adjuster and hired “building estimator consultant” continuously tried to bully, delay, minimize, and even stated that the required building repairs would not be covered under the insured’s policy. Their tactics started from the time that the initial claim was reported and throughout the entire process leading up to the agreed upon building settlement. Our team of licensed public adjusters provided fierce advocacy throughout the claims process and brought the initial offer of $55,984.61 to $109,583.70, which represented a 96% increase for the homeowner!
In the winter months of 2016, United Public Adjusters & Appraisers, Inc. was contacted by a family who experienced a frozen pipe break that caused extensive water and steam damage throughout their Quogue, Long Island home. Once brought on as the owner’s representatives, we consulted with our plaster, paint, custom millwork, and flooring experts to assist in documenting and evaluating the building damages so we could aggressively negotiate the claim with their insurance company. Due to our firms experience in handling high-net worth homes, we ensured our claim for damaged custom building materials and affected artwork was fully presented to the insurance company, which ultimately led to a favorable outcome and a satisfied client! If you have a second home or summer vacation property on the East End of Long Island, please contact us to review your property damage claim to ensure you are made whole for any covered damages.
A Merrick, Long Island homeowner who experienced a plumbing break in their master suite reached out to United Public Adjusters & Appraisers, Inc. to ensure they received a fair and equitable settlement. Once retained, we reviewed the policy, assessed the damages, educated the policyholder on their coverages, reported the claim, and immediately scheduled inspections with the insurance company “independent adjuster” and “expert” building estimator from out of state who was not experienced in building construction. Throughout the claims process, the (3) insurance company representatives stated “I do not believe there is any damage to the master bathroom” and “We have no evidence to date to support your presentations, and the investigation continues into the facts of this loss and the damages caused by the claimed occurrence.”; meanwhile we reported the claim within a timely manner, presented the insurance carrier with detailed pictures to support the water damages, provided thermal imaging, preserved evidence of water damages, and physically showed damages to their representatives on numerous inspections. While the insurance carrier had (3) bullies trying to threaten, intimidate and artificially deny/reduce the policyholder’s claim, the policyholder had her own team of advocates from United Public Adjusters. The insurance company’s initial building repair offer was $14k and we negotiated a building repair settlement of $146,850.28, which represents a 949% increase!
“Philip and James and the entire staff were amazing and always available by phone, text, or email. Philip Maltaghati came out to my house the same day I called him. We had a problem with the person assigned to my claim. Philip went right over everyone’s head, right to the top and after 2 months of getting nowhere, within 1 week I had my claim settled, checks in my hand, and for what we asked for to repair my damages. I HIGHLY RECOMMEND THEM. THEY ARE BY FAR THE VERY BEST HANDS DOWN! They are professional , courteous and always available.” – Maria (homeowner)