Transcript Slide 1

The Fire is Out…Now
will the Insurance
Company leave you
Out in the Cold?
What you need to know
about the claims game
Areas Covered

What is the difference between the three types of Claims Adjusters
and which one really represents the claimant?

Some unbelievable statistics on fires in the United States

The costs of fires and other disasters to the insurance companies

How to play the Claims Game against the Insurance Company
professionals

The first thing to do after a loss and the one thing not to do

Three big choices you have to make now
© 2008
2
The first thing you need to know

When disaster strikes, the first person you
want to talk to is a claims adjuster
—
But do you know the difference between
the three types of property and casualty
loss adjusters?
1.
Insurance Company Adjusters
2.
Independent Adjusters
3.
Licensed Public Adjusters
© 2008
3
The Insurance Company Adjuster

After reporting your claim, the first person you
will probably hear from will be the company staff
adjuster
—
The Insurance Company adjuster works for the
company on a full time basis
• They earn a salary that is the same amount
no matter what they settles your claim for

They and their company are governed by the State
Insurance Code but staff adjusters are generally
not licensed by the Department of Insurance

They may or may not be bonded
© 2008
4
The Independent Adjuster

An Independent Adjuster works for himself
—
He is hired by the Insurance Company on an
“as needed” basis to handle a specific loss

He will bill the Insurance Company on either a
“time and expense” or “percentage of total”
basis

An Independent Adjuster represents multiple
insurance companies
—
—
They may or may not be licensed
They may or may not be bonded
© 2008
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A Public Adjuster

A Licensed and Certified Public Adjuster is hired by
an insured who has suffered a loss to professionally
adjust the claim on their behalf
—
—

They are licensed by the Department of Insurance
—
—

Works for the property owner and policy holder
The larger the settlement they win for the claimant
the more they are paid
Their practices are governed by the State Insurance
Code
They are bonded
You can not be cancelled for using a Public Adjuster
to adjust your claim
© 2008
6
When you are the victim of one of life’s
perils

Your life is going to get very complicated
—

You have been forced to play a very
expensive and complicated game
—
—

And stressful
Complete with rules you don’t know about
Conducted in a language you don’t
understand
The Insurance Company is hoping you don’t
know the rules:
—
And that you don’t learn what they are
© 2008
7
You are not alone

Fire departments in the
United States respond to
almost 2,000,000 fire calls
each year
—

The U.S. fire problem is
one of the worst in the
industrialized world
Thousands of Americans
die and are injured every
year due to fires
—
Property losses reach
into the billions of
dollars
Fires in 2001
General
Property Type
Deaths
per 1000
Fires
Injuries
per 1000
Fires
Average
Dollar Loss
per Fire
Residential
7.4
36.4
$13,200
NonResidential
1.0
14.7
$20,600
Vehicle
1.7
4.8
$3,900
Outside
0.1
1.3
$200
Other
0.9
11.1
$3,100
Source: U.S. Fire Administration/National Fire Data Center, Fire in the United States 1992-2001, Oct. 2004
© 2008
8
The numbers are fairly constant
Fires Each Year:
Fires in Thousands
2,500
2,000
1,500
1,000
500
0
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
1,964,500
1,952,300
2,054,500
1,965,500
1,975,000
1,795,000
1,755,500
1,823,000
1,708,000
1,734,500
Source: U.S. Fire Administration/National Fire Data Center, Fire in the United States 1992-2001, Oct. 2004
© 2008
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If you were not injured…you were lucky
Injuries per year:
Injuries
35,000
30,000
25,000
20,000
15,000
10,000
5,000
0
1992 1993 1994 1995 1996 1997 1998 1999 2000 2001
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
28,700
30,475
27,250
25,550
23,750
23,100
21,875
22,350
20,300
21,100
Source: U.S. Fire Administration/National Fire Data Center, Fire in the United States 1992-2001, Oct. 2004
© 2008
10
The direct cost of fire is in the billions
Adjusted to 2001
Dollars
Dollar Loss in Billions
14
12
10
8
6
4
2
0
1992 1993 1994 1995 1996 1997 1998 1999 2000 2001
1992
1993
1994
1995
1996
1997
1998
1999
2000
2001
$10.5
$10.5
$ 9.7
$10.4
$10.6
$ 9.4
$ 9.4
$10.7
$11.5
$10.6
Source: U.S. Fire Administration/National Fire Data Center, Fire in the United States 1992-2001, Oct. 2004
© 2008
11
There are always indirect costs

There are huge indirect costs connected with fires
—
—
—
—

The annual losses from floods, hurricanes, tornadoes, earthquakes
and other natural disasters:
—

Temporary housing
Lost business
Medical expenses
Psychological damage and more
• These costs can be 8 to 10 times higher than the direct cost of
the fire
Are only a fraction of those caused by fire
The news media, public and even local governments are generally
unaware of the magnitude and seriousness of the problem
Source: U.S. Fire Administration/National Fire Data Center, Fire in the United States 1992-2001, Oct. 2004
© 2008
12
The Big Picture

Deaths and injuries from all natural disasters
combined are around 200 to 250 each year
—
Casualties from fires number around 4,000
each year

Fires are usually small and their combined
impact is not easily noticed by the general
public

Fires are the fifth cause of accidental death
behind:
—
Vehicle accidents, falls, poisonings and
accidental threats to breathing (such as
suffocation)
Source: U.S. Fire Administration/National Fire Data Center, Fire in the United States 1992-2001, Oct. 2004
© 2008
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The total cost of Fire

Adding up all the indirect costs, the total cost of fire to
society is over $165 billion per year
—

This includes:
• The cost of adding fire protection to buildings
• The cost of paid fire departments
• The equivalent cost of volunteer fire departments
($20 billion annually)
• The cost of insurance overhead
• The direct cost of fire-related losses
• The medical cost of fire injuries and other costs
This is usually about 1.5% of the Gross Domestic Product
—
Ranking fire as a significant national problem
• And creating a huge bill for the insurance companies
Source: U.S. Fire Administration/National Fire Data Center, Fire in the United States 1992-2001, Oct. 2004
© 2008
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The most common type of fire?

One and two family dwellings are where
73% of the population live and so these
dominate the residential fire picture

In 2001, this type of dwelling recorded:
—
—
—
—
73% of Fires
78% of Deaths
67% of Injuries
76% of Dollar losses
Source: U.S. Fire Administration/National Fire Data Center, Fire in the United States 1992-2001, Oct. 2004
© 2008
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Major causes of fire

Cooking is the leading cause of fires and injuries
—
—

Cigarette smoking is the leading cause of death
—

Arson is the second largest cause of death
• These two account for 42% of deaths
Arson is the leading cause of dollar loss
—

25% of all fires were caused by cooking
• Which explains why most fires start
between 5 and 7 p.m.
At 19% heating is the second leading cause
25% of property loss from all fires
These causes have remained unchanged year
after year
Source: U.S. Fire Administration/National Fire Data Center, Fire in the United States 1992-2001, Oct. 2004
© 2008
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The good news

Causes of fires from “children playing”
has dropped dramatically

In the mid 1980s, children playing was
reported as the cause of up to 22,000
fires
—

And more than 400 deaths
In 2001, “children playing” fires
dropped to 6,000
—
And deaths to 89
Source: U.S. Fire Administration/National Fire Data Center, Fire in the United States 1992-2001, Oct. 2004
© 2008
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Some facts about claims

Adjusting claims is not an exact science
—

The Insurance Policy is a contract that is
subject to interpretation
—
—

So everything is negotiable
How your policy is interpreted and the claim
negotiated will greatly affect the amount of
money you receive
Or how your property will be restored or
replaced
What kind of negotiator are you?
—
Did you know that the Insurance Company
trains their people in the art of negotiation?
• Have you ever had training in
negotiating?
© 2008
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What the experts warn

Ina De Long is a former claims adjuster,
underwriter and independent agent, who
worked for the largest property
Insurance Company in the U.S.
—

She quit after 25 years, in protest of
what she considered “deceitful”
practices
She has been a consumer advocate for
over 10 years
—
And is Executive Director of the Nonprofit organization United Policyholders
Source: Phoenix New Times, 11-16-2000
© 2008
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How insurance companies operate

She warns that offering low settlements or
dragging out cases just to wear down the claimant
are common Insurance Company tactics
—

Many companies train their adjusters in methods
and policies that will keep the Insurance
Company’s own interest in the foreground
In a 60 Minutes television news program, she
stated,
—
“The Insurance Companies don’t want adjusters
that are trained because if they really knew what
they were doing, the insurance claim (your
settlement) would be higher”
Source: Phoenix New Times, 11-16-2000
© 2008
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Some history

Prior to Hurricane Andrew in 1992, insurance
companies used property insurance as a “loss
leader” hoping to obtain your more lucrative Auto
Insurance and to obtain Investment capital for
their portfolios

After paying out the equivalent of $22 billion in
today’s dollars they made two big changes:
1.
2.
The policies were re-written to protect the
insurance companies
They developed computer programs intended to
limit payouts on claims!
Source: The New York Times, Insurers Shift Cost Burden To Homeowners, By Joseph B. Treaster 11-23-2007
© 2008
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Few people read their policies

Changes in coverage have been
gradual but they are spelled out
in the policies

Unfortunately, few people read
the policy or the changes
periodically sent in the mail

They find out about everything
when they have to use their
own money to pay for repairs to
their homes
Source: The New York Times, Insurers Shift Cost Burden To Homeowners, By Joseph B. Treaster 11-23-2007
© 2008
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Some homeowners are still underinsured

Many homeowners tend to underestimate
the risk
—

They try to keep the premium down by
keeping the coverage down
—

They think the policy guarantees
replacement of their homes
Did you?
The California Department of Insurance
estimates that up to 40% of that state’s
homeowners lack enough insurance to
cover the replacement cost of their homes
Source: The New York Times – After fires, homeowners feel an insurance pinch by Solomon Moore, 11-13-07
© 2008
23
A policy that covered every peril would be
unaffordable for most people

In the last 10 years, premiums
have gone up:
Average Cost of
Home Insurance
—

1997
-
$455
2007
-
$886
And coverage has gone down
On the coastline:
—
Prices run well into the
thousands
Source: The New York Times, Insurers Shift Cost Burden To Homeowners, By Joseph B. Treaster 11-23-2007
© 2008
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Companies use catastrophes

Insurance companies use high profile
catastrophes, such as hurricane Katrina or
the Southern California fires to justify rate
increases and coverage changes but:
—
—


In fact, they are insured for such losses
themselves
A process called re-insurance can spread
the loss to many companies all over the
world
The result is Less Coverage at Higher
Premium costs with Little Publicity
Do you really know what your policy will pay
in the event of a loss?
© 2008
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If my house is a total loss:

“Won’t they just write a check for the
amount of the policy?”
—

First you have to determine what type
of policy you have
—

No!
Does it pay for Actual Cash Value or
Replacement Cost Value?
• How much of the replacement cost
will it pay?
How much, section by section, will the
policy pay?
© 2008
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They will not take your word for it

You have to “Prove the Claim”
—
Even if you have been paying on the
policy for years, without a claim

They will not just “write a check”

So, how do you go about proving that
you owned everything you claim?
© 2008
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What is going to happen…Step One in the
game

Your Insurance Company will send out a claims
adjuster
—

They will tell you that they will take care of
everything
—
—
—

They may have already come
They will “prove the claim” for you
You don’t need to do a thing
They will be sending out a contractor so you can
get started rebuilding
Oh, and they might tell you, “Don’t talk to anyone”
—
Meaning a Licensed Public Adjuster
© 2008
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You can follow their advice


You can trust them to look out for your
interests and be fair in the settlement
But remember:
—


The less money the Insurance Company
pays out in claims the more profit they
make
The agent or broker is paid by the
insurance company
The staff adjuster, who wants to do this
quickly, is paid by the insurance
company
—
Who is really on your side?
© 2008
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What do these business practices lead to?
 Record profits by the insurance companies!
—

Profits
With only $9.2 billion in catastrophic losses in 2006,
the companies increased their profits to $62.3 billion
—

In 2005, after paying out $61.9 billion in claims from
hurricanes Katrina, Rita and Wilma the companies
reported a Net Income of:
• $44.2 billion
A 44.3% increase
As a result of the increased income, the industry’s
statutory net worth increased $61.4 billion or 14.4%
—
To $487.1 billion!
Source: ISO - Insurer Financial Results:2006, April,2007
© 2008
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Did the companies use stalling tactics

December 16,2005, Senator Trent Lott (R-Miss.)
sues his Insurance Company
—


Lott had not been able to get his Insurance
Company to pay for replacing his house
The insurance companies argue that the wind
driven water of the hurricane constitutes a flood
—

Like thousands of other homeowners who lost
their homes when Hurricane Katrina roared
ashore
Which is not covered under a normal policy
And he was a vocal supporter of insurance
companies in the Senate!
—
What luck will you have without help?
Source: Consumer Affairs . Com, 12-16-05
© 2008
31
Without someone on your side you might
want to get a little insurance education

And Fast
—

Since you don’t even know what you don’t know…
start with the policy
—
—
—

So you can be assured of a settlement that is in
your best interest
Find out how much it will actually pay by adding up
the amount of coverage in each section
Remember Loss of Use or Additional Living
expenses are the amount above the normal
amount to live
Including Moving and Packing
Look at an example using a $400,000 policy with an
additional 20% for replacement cost
© 2008
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Potential Coverage in your policy
House
$400,000
Replacement cost
20%
$80,000
Ordinance and Law (to bring house up to code)
10%
$40,000
Outbuildings
10%
$40,000
Landscaping
5%
$20,000
Fire Dept. Charge
$500
Satellite or Antenna Coverage
$500
Electronic Data
$10,000
Contents
70%
Jewelry
$280,000
$20,000
Debris Removal
5%
Additional Living Expenses (at least 17 sources)
Potential Total Coverage
$20,000
$5,000
$916,000
© 2008
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Lots of steps to the end of the game

With lots of sub-steps involved in each major step
—

Do you know what they are?
Here are just Six things that need to be done now:
1.
2.
3.
4.
5.
6.
Report the claim to the Insurance Company
Understand policy limits and potential coverage and all deadlines
Understand mitigation and what are your responsibilities
Understand what a “Pack Out” is and how much money those
companies are paid
Understand that Pack Out company fees are deducted from your
policy limit and are no longer available to you
Understand that you are entitled to the Pack Out money if you
understand and know how to make it available for yourself
© 2008
34
One thing you should NOT do

You would not hire a contractor or cleaning company
at this point
—

You should know that you have Cash-out Options
—

Hiring a contractor could cause you to lose those
options
You need to understand how you may be able to pay
off or pay down your current mortgage
—

You still don’t know how much money you have to
work with and you still don’t know how much this is
going to cost
And still get your new house
Do you know why you would want to do this?
—
It’s all part of negotiating and the required paperwork
© 2008
35
And speaking of paperwork

If you are going to try to do this without help and you
want to be sure you’re getting a settlement that is in
your best interest:
—

Hope you like paperwork
• Because there will be a lot
For example:
1.
2.
3.
4.
You will have to take bids from contractors and
submit them to the mortgage company
Make sure the mortgage company puts it in writing
that it is OK for the insured to repair the house
Double check and make sure the mortgage company
has not sold your loan to another mortgage company
Send a notarized statement to the mortgage company
on where to send draw payments
© 2008
36
You really have three major choices
1.
Your First Choice:
—
You can work with the company adjuster but try to
protect your interests by really getting involved and
educating yourself


Report your claim to the insurance company
Get your policy with all the endorsements and
exclusions:
— And read it all
Maybe learn a little about claims handling from the
internet or a text book
Sharpen those negotiating skills
Make a complete inventory of everything in the house
Ask the insurance company what their Reserve is set at




© 2008
37
In the event of a total loss…

Ask the insurance company to explain
all the coverage provided by the
policy:
—
In writing

And to issue you a check for that
amount

After all, if it’s a total loss, shouldn’t
the insured be entitled to the
coverage they have been paying for?
—
Then see what they say
© 2008
38
Your second choice
2.
You don’t have to do anything!
—

You can trust them
—

And do what they tell you to do
But what happens when the policy says one
thing and they do something else?
—
—

Just let the insurance company adjuster
take care of it all
How would you even know?
Who will really fight for your interests?
Remember, when you hear
“Just
do what we say and nobody gets hurt”
—
You’re probably being robbed!
© 2008
39
Ask yourself this question

How do major league athletes end up with multimillion dollar contracts?
—

You have just suffered what could be the biggest loss
in your life
—

Thousands of dollars are going to be changing hands
Don’t you think that this would be a good time for
you to have someone looking out for your best
interests?
—

They have agents looking out for their best interests
Someone who really knows the game?
If the fee for hiring such a person only came out of
the increased amount they could obtain, why would
you not hire them?
© 2008
40
What you really need

An expert on your side
—

Someone to represent you when working
with the company claims adjuster
• Someone who speaks their language
Someone to guide you through all the steps
of the game:
—
—
—
—
To go through the policy and determine
coverage
• And how much it will pay
To do the inventory
To help do all the paperwork
To “prove the claim” with an amount
you’ve agreed upon
© 2008
41
Your third choice
3.
And your best choice is to get help
—
—

Contact a Licensed Public Adjuster
Why?
• The simple fact is that like that major league athlete
you end up with a better settlement
Ina DeLong’s advice:
—
—
“Don’t just sit back and let a stranger working for the
Insurance Company make the decisions that effect you!”
“Only two of ten catastrophe victims hire an outside
adjuster to represent their interests following a major
loss, but for those who do, the payoff is far higher”
• “Two and a half times as much by my estimates”
Source: Phoenix New Times, 11-16-2000
© 2008
42
Opinions from the industry

“For the most part, people like using
a public adjuster because they like
the idea that someone is working on
their behalf vs. someone working on
behalf of the company”
—
P.J. Crowley, former vice president
of the Insurance Information
Institute
© 2008
P.J. Crowley
43
Meet
C.P.R. CLAIMS
“Adjuster for the Insured”
Department of Insurance
Licensed & Bonded
Finally, someone on Your Side!

Well, not these two…but almost as good

We can easily take you through the steps and
fight for the best settlement
—

For you
We will help you take control:
1.
2.
3.
4.
5.
Help you put together a plan of action
Prove and negotiate your claim
Explain the Insurance Company offer
Help you find the proper contractor
Submit the paperwork
© 2008
45
What else we do

Handle all communications with your mortgage
company
—
—


Many times people pay off their mortgages with their
insurance claim and give up a large sum of their
insurance settlement
Then they find out they do not have enough money to
replace the house because so much money went to
the mortgage company
The proper way to handle this is to use the Insurance
Company money to replace or repair the home first
and then refinance or pay down your mortgage
We can help with this
© 2008
46
What will my Insurance Company say
about all this?

Many professional insurance company adjusters
prefer to work with a licensed and experienced
professional
—

Rather than an inexperienced insured
Unfortunately there are many agents and
company people who will try to talk you out of
using a Public Adjuster
—
The question you need to ask is:
• “If it doesn’t cost me anything to meet
with a Certified Public Adjuster, why is
this person trying so hard to discourage
me from consulting them?”
© 2008
47
Something else to remember

If our services were not necessary:
—

Why would the Department of
Insurance license people like us to
work on your behalf?
Also:
—
The Department of Insurance will not
allow any Insurance Company to
cancel your policy because you used
a Public Adjuster
© 2008
48
Going through a divorce or bankruptcy?

You will really need to speak with us
—
We can explain all the ramifications involved
and help you through a very difficult time

If you are not going through a divorce or
bankruptcy maybe we can help prevent one

The number one reason for divorce is:
—
Money problems
• Considering the stress of a disaster and
the subsequent possible money
problems, you can see where things like
this can lead if not done properly
© 2008
49
The Best Part

You cannot lose money by hiring us
—

You can only save time and money and have
increased peace of mind knowing everything was
done properly
Our consultation is free!
—
Our fee comes from the additional funds
generated

We guarantee that our “proof” will result in a
larger check written than what is offered by your
Insurance Company
© 2008
50
How we begin

We start by going through the policy,
section by section, to find out exactly
what it covers
—


And how much it will pay
We can explain all your options:
—
You do not need to rebuild here
• Are you missing out on “Off-Site
Replacement?”
—
You can buy a new house
• We will explain how
You have many rights under the policy
and we will explain them all
© 2008
51
Our results
© 2008
52
Since each claim is different the totals
differ
© 2008
53
But one fact is consistent
© 2008
54
We obtain larger settlements for you
© 2008
55
And the all important TOTAL

Using just 62 examples results in a difference of:
$1,371,119
—

Even after subtracting our fee the insured is realizing
an average of 25% more!
And remember our consultation is free!
© 2008
56
When is the best time to hire a Public
Adjuster?

Immediately!

The best defense is a good offense
—
You could lose thousands of dollars
within the first 72 hours after your
loss!

We will provide you with much needed
information

Give us the opportunity to advise you
before the Insurance Company takes
control of your claim
© 2008
57
Feel Secure

You can concentrate on your normal
daily activities
—



While we professionally handle your
claim
Our contents inventory team searches
through the aftermath to determine all
of your property to be claimed
Our structural team properly determines
the cost of damage to your
home/building
No loss is too large
—
We are Large Loss Specialists
© 2008
58
A few of the many things we will do



Find out what the Insurance Company wants
to pay you by asking the right questions
Explain how to avoid “pack out and cleaning”
charges that are deducted from your contents
limits
Explain Contractor Paperwork
—



The reason you should not sign any
paperwork until you get an offer
Deadlines you should be aware of
Filing the “proof of loss”
Avoiding inventory mistakes by using our
system
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What you will learn

All about:
—
—
—

Additional living expenses that you
might not understand
The difference between actual cash
value and market value
Cashing out versus repairing
Take advantage of our legal and tax
services:
—
—
Potential tax write offs on your
inventory claim
Divorce, Separation, Bankruptcy,
Foreclosure, Arson Issues during a claim
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Don’t commit one of the 10 most common
mistakes following a loss
1.
2.
3.
Packing out home or business without a complete inventory
Pack-out your home without knowing the cost
Letting the Insurance Company contractor start repairs without
knowing the exact price and scope of repairs
4. Listening to people who have never experienced a major loss
5. Not knowing what your rights are
6. Not knowing what your Insurance Policy means and what coverage
you have
7. Not knowing the complete personal property inventory process
8. Not understanding that when the adjuster gives you a cash advance
this amount is coming out of your final contents settlement
9. Making the decisions too quickly
10. Not checking references
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It’s never too late

While the best results come from
allowing us to represent you at the
start of the claim
—

We offer other services to help
We will perform a Claim File Audit
—
If you already have an offer from
your Insurance Company, we will
audit the file to make sure you
were properly compensated
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Conflict Resolution Services

If you cannot agree to a fair settlement
with your Insurance Company
—
Take the Insurance Company to the
appraisal process

We can explain this entire process and
how we will represent you

But remember:
—
As with any business it’s always best to
do the job right the first time rather
than try to fix mistakes at a later date
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Testimonials
TODD WALLER
551 West Chicago Street
Coldwater, MI 49036-1823
517.279.7433
RE: Letter of Reference concerning C.P.R. CLAIMS September 6, 2006
On January 26, 2006, I suffered a total loss house fire. Soon afterwards, I was contacted by David Fruth, who offered the services
of C.P.R. Claims to assist me in handling my ensuing insurance claims. During our initial conversation, David explained the
challenges I would have ahead of me in handling an insurance claim of this magnitude, and how C.P.R.CLAIMS would assist mc.
As I work seventy to eighty hours a week, I questioned if I would be able to serve myself properly if! went alone against the
Insurance Company. Especially considering I had no idea on how to handle the Insurance aspect of this calamity. Also, at that
time, my priorities were to find housing, and to feed and clothe my family, while trying to keep them as comfortable, and to not
alter their daily routines, as the situation allowed. Therefore, it wasn’t a difficult decision to hire C.P,R. Claims to represent me in
my Insurance Claims, as I knew I needed all the help I could get. I was able to justifythis action because I was sure I would have a
more successful claim minus C.P.R.’s fee, than I would without their help.
Immediately after hiring C.P.R. CLAIMS, work began on developing my insurance claim. As the weeks wore on, events occurred
like clock work in accordance with David’s Description of how the claim would progress in our initial conversation. As the
Insurance company would put up hurdles along the way, C.P.R.’s Experience and Profssionalism was clearly apparent as they had
solutions ready to enact, and measures in line to prevent the next obstacles the insurance company tried to throw our way from
delaying the progress of our claim. Although the Insurance Claims Adjuster was extremely difficult to work with, my claims were
settled to a degree which superseded my expectations. This could not have happened without the vast knowledge and abilities of
C.P.R. CLAIMS. I would certainly call on them again if the situation occurred, and I highly recommend the services they provide.
If you would like to further discuss C.P.R. CLAIMS ability and service, feel free to call me at the phone number above.
Todd WaIler
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64
Another happy client
To Whom It May Concern:
I am writing this letter in regards to the fire I had that destroyed my home back in February 2006. I was out of
town at the time of my fire and I came home to a devastated site. I was a single mom of twin girls at the time and I couldn’t even
think of where to begin. Thank God that Dave Fruth from CPR came by my house and introduced himself and said that he could
help me with my fire. I strictly went on his word and my faith and hired him within days after my fire. I cannot begin to tell you
in words how much Dave and Jim helped me through my ordeal. They were very professional and knowledgeable on the subject
matter. They helped me with every aspect of my fire including decisions, working with my mortgage companies, the insurance
people, and the fire department and just about everything and everyone involved. They made phone calls, wrote letters, sent and
received mail, got checks issued, the whole works. The insurance company made offers and Dave and Jim went after what I
truly deserved. My insurance company offered to redo my house for roughly $90,000 and Jim negotiated with them and got me a
total of $135,000. They helped me find a builder and I just moved into a brand new, much bigger house. Dave also helped me to
do inventory, which without him I would have been lost and missed a lot of things. I was able to recover about 80% of my
coverage amount and received a nice check that was ample to replenish what I lost plus pay off the majority of my debt. Not only
did they help me to get a much bigger house and money to cover all my stuff, but when everything was said and done, I got
another settlement at the end that I had no idea was coming. I also had a business in my home and had a business claim to deal
with. They also helped me on this claim and did some of the work for no charge just to help me out. All in all, hiring Dave and
Jim from CPR was the best thing I’ve ever done. They are very nice to work with. They know what their doing and I trust them
fully. Honestly, I don’t know where I would have ended up without them. I know I would have come up short handed. I am so
thankful that there are people in the world like Jim and Dave who can fight for what we deserve. Insurance companies are there
to cover only what they have to cover, CPR comes in to help you get what you deserve and need to rebuild your life again. I
would encourage everyone who has a fire to hire them. You will not regret it and you will get what you truly deserve. If you have
any questions at all please feel free to call me anytime.
Sincerely a happy customer,
Julie McKee 269-217-6211
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Contact Us
Department of Insurance Licensed & Bonded - 24 Hour Service
Indiana Office:
13431 Chippewa Boulevard
Mishawaka, Indiana 46545
Michigan Office:
4200 Page Avenue
Michigan Center, MI 49254
Office: 574-252-5824
Fax:
574-252-5826
Jim Kalka Jr.-Cell: 574-532-2285
E-mail: [email protected]
Office: 517-764-0418
Fax:
517-905-5901
Dave Fruth–Cell: 517-206-0618
E-mail: [email protected]
Toll Free Everywhere: 1-800-256-4883
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