Protect Your Investment & Get the Most of Your Claims

Maximizing Homeowners’ Insurance Claims

Mission Statement

Our Mission

At Loss Recovery Experts, our mission is simple: to level the playing field between policyholders and insurance companies. We advocate exclusively for property owners—never insurers—ensuring every claim is properly documented, accurately valued, and fully paid in accordance with your policy. Through expert analysis, aggressive negotiation, and a relentless commitment to our clients, we help individuals and businesses recover faster, minimize stress, and secure the maximum settlement they are entitled to.

Insurance companies have teams of experts protecting their interests—you should too. We bring experience, strategy, and leverage to every claim—so you don’t leave money on the table.

Claims

Whether your property has suffered sudden damage or long-term loss, navigating an insurance claim can be overwhelming. Loss Recovery Experts manages the entire claims process on your behalf—from initial inspection to final settlement—ensuring nothing is overlooked and every dollar owed is pursued.

Claim Types

Property Damage Claims: Fire, smoke, and structural damage can result in complex, high-value claims. We document all visible and hidden damage to ensure full recovery—not just surface repairs.

Water & Flood Damage: From burst pipes to storm flooding, water damage claims often involve overlooked secondary damage like mold and structural weakening. We ensure these are fully accounted for.

Storm & Wind Damage: Roof, siding, and structural damage caused by storms is frequently underpaid. We conduct detailed inspections and build comprehensive claims to maximize settlements.

Mold & Environmental Damage: Mold claims are often disputed or minimized by insurers. We provide proper documentation and expert support to ensure legitimate claims are honored.

Commercial Property Claims: Business owners face additional complexity including business interruption losses. We help quantify and recover both property damage and operational losses.

Denied or Underpaid Claims: If your claim has been denied, delayed, or underpaid, we step in to reassess, reopen, and negotiate for the full amount you deserve.

No matter the size or complexity of your claim, our team works to ensure you receive every dollar your policy provides.

Consultations

Not sure if you’re being underpaid? Wondering if you even have a claim? We offer a no-obligation consultation to evaluate your situation and provide clear, honest guidance.

During your consultation, we will:

Review your insurance policy and coverage
Assess visible and potential hidden damages
Identify missed or underpaid items
Provide a realistic estimate of your claim’s true value
Outline next steps to maximize your recovery

We work on a contingency basis—meaning we don’t get paid unless you do. Schedule your free consultation today and take the first step toward recovering what you’re rightfully owed.

We Specialize in Successful Insurance Claim Negotiations

Maintain the look and feel of your property with insurance claim services from M. Patrick Sauer, your Licensed Public Adjuster and Loss Recovery Expert.

Learn About Loss Recovery Experts

Get the most out of your insurance claims with the help of M. Patrick Sauer, a Licensed Public Adjuster and Loss Recovery Expert in Baltimore, MD. As Public Adjusters, we represent homeowners and help them get what they deserve from their insurance company. We can make the difference between the minimum your insurer may offer and the maximum you’re entitled to. For more than 11 years, M. Patrick Sauer has been helping homeowners protect their biggest investment.

Our Clients Say…

…You and your team of adjusters turned a nightmare into a valuable learning experience…

Mark F.

Forest Hill, MD

My mother and I would like to thank you for coming to our house and reviewing our policy. We had no idea that our company was overcharging us by $1,000 dollars. The expertise you showed … was most appreciated.

Ms. Shirl & Val

Woodlawn, MD

My claim was not moving, my adjuster wasn’t calling me back, and my family had been living in a motel for 3 weeks due to a fire in our basement. Pat and his team got the ball rolling immediately … If it wasn’t for Pat and his team, I think I would still be in that motel…

Ben S.

Parkville, MD

Serving Baltimore and all of Maryland

Get in Touch

Hours: M-F, 9am.-5pm

(410) 382-0913

pat@lossrecoveryexperts.net

204 E. Joppa Road, Suite 503 Towson, MD 21286