TJM Consulting, LLC
Fire claims can be the most devastating losses an insured can experience. Whether it is your residence, business, commercial building, or other property it is difficult to know where to start when this occurs. Damages incurred by a fire include the fire itself, smoke and soot, water used to extinguish the fire and damages caused by the fire department in gaining access to extinguish it.
Once a fire occurs you will be bombarded by public adjusters, remediation companies, and contractors all eager to get your business. It could be very confusing. You are already stressed out and now you need to decide what to do. Take at least 24 hours before you begin making decisions. Then call us. TJM Consulting, LLC will handle every aspect of your fire claim including first and foremost getting a remediation company to board up the property to ensure against further damage and loss. Making sure you get an advance from your insurance company so suitable living quarters can be found for you, your family, employees and even your business. Here is what TJM Consulting will do:
Full analysis of your insurance policy and the type of coverage you have (replacement cost or actual cash value coverage). What is covered and what are the exclusions.
Make sure all policy requirements are met. You are required to make sure further damage is not encountered by the peril. Provide necessary contractors, remediation company, plumbers, electricians, etc. to make sure your property is safe and meeting policy requirements.
We conduct a complete scope of building damage and provide a complete detailed estimate to restore the building.
We conduct a complete review of financial data to identify any financial loss that is covered by your insurance policy if this is a business.
We conduct a complete estimate of damaged and lost assets and determine how much is covered by insurance.
We report your claim and followup with company adjusters, in writing, orally, and through various site visits and meetings.
We meet with insurance company adjusters to identify and document the scope of damages both physical and financial.
We prepare a complete detailed report identifying the full scope of your loss and present to your insurance company.
While the building is being repaired or rebuilt we will make sure any additional damages not identified in the original estimate is properly reported to the insurance company and appropriate funds received.
We will request advances on your coverage to absorb costs encountered while getting your building in order.
We will make sure you receive advances to assist in the placement of your family or business in quarters suitable while the building is being restored.
We will negotiate a final settlement of your claim and only accept it upon your approval.
We will make sure holdback depreciation is recovered on your behalf.
The insurance process on fire claims can be cumbersome and difficult to navigate and certainly can take a long time. We will make sure that your loss is fully identified to make sure you get every dollar you are entitled too. A public adjuster can make all the difference in restoring your building and assets in a timely fashion and returning your life back to normal as soon as possible.
88 Peppergrass Drive South
Mount Laurel, NJ 08054
214 19th Street South
Brigantine, NJ 08203