Disaster Mitigation Services In Pennsylvania

For the Government, Disaster Mitigation Services are one of the pillars of emergency management. It is the continuous effort to minimize the impact of disaster on people and their property.

These include everything from keeping private property (especially homes) out of the floodplains to designing and constructing bridges that can outlive earthquakes and storms.

It also includes enforcing laws and building standards to keep property safe in the case of hurricanes and other deadly natural forces.

Officially, the state of Pennsylvania defines disaster mitigation as "sustained action that reduces or eliminates long-term risk to people and property from natural hazards and their effects."

However, in the insurance scenario, the word bears a vastly different meaning.

Disaster Mitigation Services in Insurance

In the insurance scenario, disaster mitigation services in Pennsylvania refer to a construction contractor who works in collaboration with insurance providers.

The purpose of this contractor is to restore the houses and other insured properties after they have been affected by a disaster.

You Cannot Get the Insurance Money Right Away Though

But, before you can get the services of a contractor in the case of damage to your property due to a disaster, you need to get money from the insurance company.

Unfortunately, the insurance companies need you to prove that your property has actually sustained damage before you can get the claim money. This is the part where things get trickier than an average citizen can handle.

What You See $100,000 in Damages Might Look Like $1,000 to The Insurer

For proving the damage to the insurance agency, they refer you to an agent of theirs. This person or company is usually on the payroll of the insuring company.

So what do they do?

To put it simply, they tend to make an estimate of the damages far lower than the actual loss.

But You can Call For Help!

But there's a way around that. It is possible to get the full compensation for your losses from the insurance company.

How? You hire a public adjuster.

But who is a Public Adjuster?

A public adjuster is the one who can prove the damages to the insurance company for you. They review your insurance policy, see what damages are covered, and prepare your claim case in such a way as to get you the maximum legally possible payout.

They must charge a hefty fee for that upfront right?

It's Not as Costly as You Might Think

Wrong!

They mostly work on a contingency based fee. This means that they will charge you a percentage of the final amount you get from the insurance company.

That percentage too is regulated by the government.

You Gain More than You Pay

The best part, studies show that a public adjuster can get you as much as 700% more compensation from the insurance company than you can get without one. So that’s a win-win situation for you.