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Claims

Insurance Claim Services
Identifying Damages & Homeowners Policy Evaluations

Protect your investment with the insurance claim services from M. Patrick Sauer, a Licensed Public Adjuster and Loss Recovery Expert in Baltimore, MD. Most homeowners don’t know they can hire a Public Adjuster to represent them. By having an advocate for your interests, you’ll get a better payout on your claim, sometimes two to four times as much as the insurance company’s initial offer.
Process

We provide a free property inspection and policy review first. Then, we write a detailed estimate of the damage based on the inspection of your property and the evaluation of your policy. It is crucial to make sure your claim is worth filing. After that, we make all the phone calls, write all the letters, and meet with the insurance company adjuster to negotiate a fair settlement. We work on a contingency fee basis—if we don’t win, we don’t get paid.

Coverage

Our industry is not well-known in Maryland. The insurance companies want you to think they have your best interests in mind, but as a for-profit business, they make money by limiting payouts on claims. Most people aren’t clear about what their homeowners policy actually covers. It typically includes:

Water & Plumbing Damage

Roof Leaks
Water Stains
Toilet Overflows
Sewer Backups
Stained Carpets
Freezing of Plumbing, Heating, & AC
Burst Pipes
Appliance Hose Failures (washer, dishwasher, refrigerator)

Storm & Weather Damage

Windstorm or Hail
Weight of Ice, Snow, or Sleet
Damaged Siding
Missing Shingles
Collapses
Breakage of Glass
Falling Tree or Limb Damage
Debris Impact

Fire, Smoke
& Electrical Damage

Fire & Lightning
Smoke
Power Surge Damage
Lightning Strike to Electrical Systems
Sudden Electrical Arcing

Theft, Vandalism & Accidental Damage

Theft, Vandalism, Malicious Mischief
Riot or Civil Commotions
Accidental Damages to Carpets, Cabinets, & Wallpaper
Cracked Ceramic Tiles
Mysterious Disappearance of Personal Property

Residential & Business Claims, Condos, Duplexes, Trailer Parks, Day Care Services, Warehouses, Meeting Halls, Bars, Restaurants, Country Clubs, Marinas, Malls, Hotels, Motels, and Boats

Contact us to learn more about how our insurance claim services can help you maximize your homeowners policy.

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