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Structural
Damage
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We
first begin by discussing the loss with the insured. We
will obtain an affidavit if necessary, and photograph
and videotape the loss. If the loss warrants it, we will
engage the services of our structural & geotechnical
engineers, architects, designers, and bring in the necessary
specialists needed to test hazardous materials like asbestos,
lead paint, mold, etc. We estimate the loss by preparing
drawings of both the interior floor plan and exterior
elevations, and use construction software to estimate
the damage incurred to the property. This estimate of
damages is submitted to the assigned insurance company
representative alongside a proof of loss. We then meet
the representative for the insurance company and his/her
experts out at the property on behalf of the insured.
After the insurance company has had the opportunity to
assess the damage incurred, we negotiate a settlement
that is in the insured’s best interest. |
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Personal
Property Damage
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In
the midst of a structural loss, a great deal of an insured’s
personal property can be damaged, and needed to be repaired
or replaced. We have a team of designers and contents
specialists who assist our insureds in creating a detailed
personal property estimate based off of supporting documentation.
This replacement/repair cost estimate is submitted along
with the insured’s structural estimate to the insurance
company. |
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Fees
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| Vaughan
& Associates operates on a contingency fee basis for loss
adjustment. We are paid by the insured as his/her insurance
company makes claim payments based on the agreed settlement.
Vaughan & Associates does not charge any up front fees,
and there is no out of pocket expenses for the insured. A fee
percentage is agreed to prior to signing any contract. A contract
is then prepared by Vaughan & Associates and signed by both
parties. |
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