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Please reach us at zahary@holcombpa.com if you cannot find an answer to your question.
1. Examine your current insurance policy and make an assessment of what coverage is fitting and appropriate to your claim.
2. Conduct extensive research, document, verify and authenticate any damage to your property, its contents and any other additional expenses that support the claim on behalf of the insured.
3. Determine the cost of business interruption losses.
4. Calculate and prepare estimates for covered damages.
5. Negotiate a settlement with the insurance company on your behalf.
6. Assist in reopening your claim if additional damages are found.
Here are some answers to questions we get asked the most. We hope that these will provide you with answers and information on what Holcomb Public Adjusting Services does for its clients.
The burden of proof to prove the extent of your loss to the Insurance Company lies squarely upon your shoulders. Insurance policies can be complex and contain confusing language. There are also many conditions, exclusions and limitations. Policy language gets very technical. This adds to the stress of an already distressful loss experience. For an insurance company to write that check which will allow you to rebuild after your loss, there are certain conditions which must be satisfied. Failure to do so could reduce your settlement amount or worse cause your claim to be denied.
1. If you have just SUFFERED what is considered “an insurance loss” a public adjuster is highly recommended!
2. If you want a LEVEL playing field during an insurance claim loss get a public adjuster!
3. If you want the MAXIMUM entitlement that your policy qualifies you. Hire a public adjuster!
4. As policy holder you should use a public adjuster as it PROTECTS you from the stress of engaging in an adversarial role with a large insurance corporation.
5. Consider using Holcomb Public Adjusting Services if you want your claim to be properly documented and presented.
6. Hire a Public adjuster, BEFORE the fact-finding stage. This will give you more time and better leverage to assist you the policyholder in getting a fair settlement for all losses legitimately covered under the insurance policy.
Public Adjuster Check List:
Zachary Holcomb began his insurance career after faithfully serving in the United States Marine Corps. His extensive background in claims began while working on a catastrophic response team for American Family Insurance covering each part of the United States responding to wildfires, hurricanes, tornadoes, floods, mudslides, and environmental disasters. Additionally, Zachary has served on complex large loss ligation teams handling the most difficult cases over the years that were settled at the state, circuit, and appellate levels . Zachary's direct field experience built a robust understanding of how every claim should be treated ranging in size up to 8 Million dollars in loss. His direct carrier background over 14 years in claims has provided the experience needed to handle your claim after suffering a loss. He has been national recognized by the National Insurance Crime Bureau and has accomplished his CPCU, SPPA, and IIRC certification to further enhance his insurance and material knowledge. Above all, he is a proud husband, father, and retired United States Marine raising his family in Knoxville, TN with his wife Brianne Holcomb.
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