24 Hour Emergency Service | Immediate Reponse


Our Claims Process

Every claim that we handle is unique as are each of the policies that insure the policyholders that we represent. Understanding that point, it is impossible to document the entire claims process for every client. However, there is a "common denominator" of actions that we will do every single time, regardless of the size or type of loss. We have captured those action items below:

  • We contact your insurance company and advise them that we are representing you and request a certified copy of your policy with all amendments at the time of your loss during this first communication.

  • We then request a meeting with any experts that your insurance company has retained along with the company adjuster and discuss procedures going forward, any policy issues, advances, and any depreciation issues. 

  • Assist Client with securing temporary housing, securing a remediation company, and assist with contractor selection if requested.

  • Review and analysis of your entire policy to ensure coverage, endorsements, and exclusions and how they will impact your claim.

  • Onsite inspection and recording of damages by individual line item to estimate rebuilding cost which is necessary to maximize recovery. 

  • Set up any appraisals necessary to satisfy co-insurance provisions of your policy,

  • Prepare a complete inventory and values of all personal possessions lost.

  • Ensure the proper experts, such as engineers or CPA, for those losses that are necessary like business interruption or catastrophic loss.

  • Request any advances in the event they are needed to defray costs for Additional Living Expenses (ALE) and or rebuilding efforts.

  • Prepare a complete claims package with all documentation and send three different ways, (Digital, Overnight, and Postal Service), to ensure an expeditious payment form the insurance carrier.

  • Ensure a documented historic account of the claim in the event the claim is sent to appraisal or further litigation.

  • Make weekly status update communication with clients and the insurance company.

  • Ensure all paperwork is completed once work is complete for depreciation payment and final ALE payments.

Delaware Valley Public Adjusters

Swedesboro, NJ 08085


Fax: 856-975-5276

  • Yelp
  • Facebook
  • Instagram

© 2019 Delaware Valley Public Adjusters.