What is a Texas Public Adjuster Presented by YPA Public Adjusters

YPA Public Adjusters 401 Pitchfork Trail #701 Willow Park, TX 76087 Click Here to Call (682) 267-0336

What is a public adjuster?

The only type of adjuster licensed to work solely on behalf of the insured.

We Represent You!

YPA Public Adjusters help the policyholder recover what is owed because we prove the loss.

YPA Public Adjusters is here to help you get the full insurance settlement you deserve!

What does a public adjuster do?

A public insurance adjuster will review all policies in effect to evaluate coverages and calculate the amount of loss.

Texas public adjuster will strongly advocate for the insured.

When do you need a public adjuster?

When an accident happens to your residence or office, call a Public Adjusters to assist with any of these insurance claims in Property Damage or Home Owner Insurance Claims from any type damage.

How can a Public Adjuster Help Me with an Insurance Claim?

Public Adjusters have helped property owners in recording, evaluating, presenting and negotiating settlements from hurricanes, flood, fires, thefts, sinkholes and other perils usually covered under property insurance policies.

Types of Claims Public adjust can help with: • • • • • • • •

Air Conditioner Leaks Broken or Cracked Pipes Dishwashers Leaking Fire or Smoke Damage Water Heater Leaks Water Damage Hurricane Damage Tornado Damage

• • • • • • • •

Wind Damage Loss by Collapse Plumbing Damage RoofLeaks Sink Holes Fire or Smoke Damage Storm Damage Theft or Vandalism

How soon will a Public Adjuster meet with me?

A Public Adjuster (normally within 24 hours) at a time convenient to you, at your home, to explain the services, complete required Appointment Letter (for us to act on your behalf) and to gather essential information.

What will the Public Adjuster do First?

We compile a Claim Report for your insurance company including details of the incident, an assessment of the replacement and restoration works and cost estimate(s), as required.

Do I have to file the report?

NO - the Public adjuster will send the report to your insurance company.

Fire Damage There is no discounting the danger and disruption a fire can cause.

Fire Damage is not usually covered by home owners insurance.

YPA is Your Fire Damage Insurance Adjusting Experts These damages can range from just a room or two, to a total loss.

Who will then communicate with my insurance company?

The public Adjuster will follow up on all telephone calls and correspondence.

What Else will the Public Adjuster do?

- We keep the target start date under review - Follow up with insurance company to ensure they approve the work and cost of repairs

Fire Damage is a unique situation Each fire claim is very different and there is no “standard� situation.

We can help you understand what to do and where to set your expectations when dealing with the insurance company after you experience fire damage.

What we do when there is Fire Damage: - Under safe conditions, take very detailed photos before touching anything.

- Use common sense and remove only what you cannot live without.

- Beware of anyone removing or “packing out” your contents (including anyone “sent” by the insurance company). Find out up front what you are being charged and what the “scope of work” will be.

Our responsibilites as a Fire damage Public Adjuster Take notes when you meet with your insurance company adjuster. * Ask questions. Keep in mind the age of your home (asbestos/lead) and belongings (number of items). * Do your homework before hiring anyone (restoration companies, cleaning companies, etc).

Flood Damage There is no discounting the danger and disruption a flood can cause.

Water Damage or flood is not usually covered by home owners insurance.

Flood Damage While flood claims can be the worst type of claim to have, our experience and expertise can make the process easier on your mind and your wallet.

A seasoned adjuster will typically have a certain way to conduct inspections.

Flood Damage There are countless benefits of hiring YPA PUBLIC ADJUSTERS to manage the entire claim.

Appeal denials with FEMA

Residential Roof Damage Type of Roof • Composition shingles - are the most widely used roofing covers • Slate - When determining whether to repair, restore or replace a slate roof, one must first determine whether the existing slate is hard or soft.

• Tile - made from materials such as terracotta or slate • Metal - primarily made of steel or aluminum, Copper, zinc, and titanium • Wood - Historically, wood shingles were split from straight grained, knot free bolts of wood.

• Metal Shake - the look of split wood shake, but has a longer life, lower weight, and easier installation

Commercial Roof Damage Type of Roof • Gravel - Tar and gravel roofs are usually made of 3 to 5 laminated layers of asphalt base sheets, hot tar, and roofing felt.

• TPO - Thermoplastic Polyolefin (TPO) is a single-ply reflective roofing membrane • EPDM - is an extremely durable synthetic rubber roofing membrane widely used in low-slope buildings • Modified Bitumen - Membrane roofing is a type of roofing system for buildings and tanks and is most commonly made from synthetic rubber • Built Up - Built-up roofing is the most popular materials used on low-slope roofs • Metal roofing - is a staple of the commercial and industrial roofing markets due to its outstanding durability

Flood Damage Fema : https://www.fema.gov Disaster Relief: https://www.disasterassistance.gov/

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