Clear Answers for Complex Claims.

We operate strictly on a contingency fee basis for active property damage claims. This means we charge a predetermined percentage of the “new money” we recover for you—funds secured above and beyond the carrier's initial settlement offer. There are no upfront hourly fees for this service. If our technical audits do not result in an increased payout from your insurance company, you owe us absolutely nothing. This model guarantees our interests are perfectly aligned with maximizing your financial recovery. Request a consultation to review the specific percentages for your property size.

No, this is a common misconception perpetuated by carriers. What actually delays reconstruction is accepting an under-scoped settlement that leaves you hundreds of thousands of dollars short of the actual repair cost. By quickly producing undeniable, line-item Xactimate documentation, we force the carrier to release the correct funds promptly. This technical leverage accelerates your ability to hire quality restoration contractors and complete the project legally and safely.

Because it is illegal and presents a massive conflict of interest. Utah Code 31A-26-312 explicitly prohibits individuals from acting as both the public adjuster and the restoration contractor on the same claim. Contractors are not licensed to interpret policy language or negotiate indemnity. We strictly separate our adjusting practice from construction economics, providing you with objective, legally compliant representation that carriers cannot dismiss.

The retainer is a proactive, flat-fee subscription designed for HOA boards, hospitality assets, and multifamily portfolio managers. Rather than waiting for a fire or major water loss to occur, you hire us to perform annual replacement cost valuations to ensure your coverage is adequate. Most importantly, it guarantees a four-hour emergency response deployment if disaster strikes, ensuring immediate site control and priority processing.

Outright denials require immediate, rigorous scrutiny of the policy language and the cause of loss. We review the carrier’s denial letter against your specific policy endorsements. If they have wrongfully denied the claim based on a flawed technical assessment, we will compile the engineering and estimating data necessary to overturn the denial. If the issue requires legal interpretation beyond technical adjusting, we work seamlessly alongside your retained legal counsel.

Our firm's infrastructure, AI-auditing capabilities, and deep expertise in Utah Admin Code R590-190 are heavily optimized for complex commercial, multifamily, and institutional losses. While we selectively accept high-value residential estate claims that involve complex architectural or structural elements, we do not generally process standard, low-severity single-family residential claims. We focus where our technical leverage provides the highest ROI.

We use advanced AI-auditing tools to review preliminary carrier estimates in Xactimate. The software instantly flags omitted line items, incorrect depreciation schedules, and missing code-upgrade requirements that human adjusters often miss. We then verify these flags manually and compile them into a devastatingly precise discrepancy report, which we use to mandate a revised settlement offer.

In most cases, no. Unless you have signed a final release of all claims, cashing the initial Actual Cash Value (ACV) check does not close your claim or prevent you from seeking supplemental funds. We frequently step in after the first check is issued, audit the carrier's scope, and successfully negotiate massive supplemental settlements to cover the true cost of the loss. Contact us immediately to review your paperwork.