FAQ

Ranciato Public Adjusters Group public adjuster services include documenting property damage, preparing building and personal property estimates, reviewing insurance policies for coverage, negotiating replacement cost, depreciation and actual cash value, coordinating meetings with insurance company adjusters and contractors, and educating policyholders on policy requirements.

Ranciato Public Adjusters Group public adjusters document property damage by taking high-resolution photos, recording video footage, measuring moisture samples where applicable, compiling contents inventories, and preparing detailed damage reports while the loss is fresh.

Ranciato Public Adjusters Group public insurance adjusters are licensed to represent policyholders in Connecticut, Vermont, Rhode Island, and Florida.

Ranciato Public Adjusters Group public adjuster fees are calculated as a percentage of the total settlement recovered. In Connecticut the maximum fee is capped at 10%, aligning the adjusters' interests with maximizing your recovery.

You should contact Ranciato Public Adjusters Group public insurance adjusters immediately after you sustain property damage or loss-before your insurance company assigns its independent claims adjuster-to ensure maximum documentation and settlement potential.

Ranciato Public Adjusters Group fire or smoke damage public adjusters will document char and smoke staining, prepare building and personal property estimates, review your fire damage coverage, negotiate with your insurer, and ensure you receive a fair settlement.

Call Ranciato Public Adjusters Group fire or smoke damage public adjusters as soon as the fire is extinguished and it is safe to document damage-while smoke odor and visible damage are still present.

Ranciato Public Adjusters Group fire or smoke damage public adjusters collect photographs, video, soot samples, air quality readings, and detailed personal property inventories to build a comprehensive claim file.

Yes. Ranciato Public Adjusters Group fire or smoke damage public adjusters leverage their experience to identify unclaimed losses, properly document damage, and negotiate replacement cost rather than actual cash value when possible, which often increases settlements.

First, Ranciato Public Adjusters Group fire or smoke damage public adjusters secure and document the scene, record evidence, review your fire damage coverage, and report the loss to your insurance carrier before mitigation begins.

Upon arrival, Ranciato Public Adjusters Group water damage public adjusters document active leaking, take moisture readings, photograph affected areas, coordinate with your insurer's independent adjuster, and prepare preliminary water damage estimates.

Ranciato Public Adjusters Group water damage public adjusters use moisture meters and thermal imaging to measure moisture content in walls, ceilings, and floors, ensuring accurate documentation for your water damage claim.

Yes. Ranciato Public Adjusters Group water damage public adjusters document mold growth when linked to covered water damage events and negotiate for remediation and reconstruction costs under your policy.

Ranciato Public Adjusters Group water damage public adjusters coordinate and attend all meetings with restoration contractors to protect your interests, ensure proper scope of work, and prevent under-estimation of repair costs.

Ranciato Public Adjusters Group water damage public adjusters present detailed moisture reports, industry-standard repair estimates, and documented losses to your insurance carrier to maximize replacement cost recovery.

Ranciato Public Adjusters Group wind damage public adjusters handle damage such as broken fences, downed trees, damaged roofs, and siding failures caused by severe windstorms covered under your property policy.

Ranciato Public Adjusters Group wind damage public adjusters photograph missing shingles, uplift damage, interior leaks, and track debris to demonstrate the full extent of roof damage for your wind damage claim.

Yes. Ranciato Public Adjusters Group wind damage public adjusters review your insurance policy's wind damage endorsement, deductibles, and exclusions to ensure you receive all eligible wind damage benefits.

Ranciato Public Adjusters Group wind damage public adjusters should arrive as soon as it is safe after the storm to document fresh damage before mitigation and contractor repairs begin.

Yes. Ranciato Public Adjusters Group wind damage public adjusters negotiate both replacement cost and advocate against excessive depreciation to secure the maximum wind damage settlement.

Ranciato Public Adjusters Group hurricane and flood damage public adjusters handle wind damage, structural damage, water intrusion, flood elevations, and contents losses resulting from hurricanes and related flooding events.

Ranciato Public Adjusters Group hurricane and flood damage public adjusters record floodwater heights, photograph water lines, take moisture samples, and document contaminated debris to support flood damage claims.

Yes. Ranciato Public Adjusters Group hurricane and flood damage public adjusters are experienced with NFIP documentation requirements and will prepare your flood claim package accordingly.

Ranciato Public Adjusters Group hurricane and flood damage public adjusters document Additional Living Expense (ALE) losses and negotiate coverage for temporary housing, storage, and other necessary living costs.

Contact Ranciato Public Adjusters Group hurricane and flood damage public adjusters immediately after a hurricane or flood event to ensure preservation of evidence and timely coordination with your insurance carrier.

Ranciato Public Adjusters Group tornado damage public adjusters differentiate tornado damage by documenting extreme wind forces, debris impact, fallen structures, and associated flood damage when heavy rains accompany tornado events.

Ranciato Public Adjusters Group tornado damage public adjusters separate wind coverage from flood coverage in your policy, document each loss type, and negotiate both parts of your tornado damage claim.

Yes. Ranciato Public Adjusters Group tornado damage public adjusters document displacement expenses, coordinate Temporary Additional Living Expense (TALE) coverage, and negotiate reimbursement under your policy.

Ranciato Public Adjusters Group tornado damage public adjusters should arrive as soon as local conditions allow to capture the full extent of wind, impact, and water intrusion damage.

Ranciato Public Adjusters Group tornado damage public adjusters photograph structural failures, create diagrams, and engage engineers when needed to support claims for building collapse under tornado coverage.

Ranciato Public Adjusters Group hail damage public adjusters document roof punctures, siding dents, window cracks, exterior fixture damage, and impact marks on vehicles or outdoor property.

Contact Ranciato Public Adjusters Group hail damage public adjusters immediately after the hailstorm so evidence such as dents, broken glass, and impact craters are still clear and fresh.

Yes. Ranciato Public Adjusters Group hail damage public adjusters negotiate against excessive depreciation on hail-damaged materials to maximize your insurance settlement.

Ranciato Public Adjusters Group hail damage public adjusters coordinate site inspections with qualified roofing and siding contractors to obtain accurate repair or replacement estimates.

Ranciato Public Adjusters Group hail damage public adjusters provide a detailed report of hail impact locations, estimated repair costs, and photographic evidence to support your hail damage insurance claim.

Ranciato Public Adjusters Group building collapse public adjusters review your policy's collapse coverage, document evidence of structural failure, engage engineers when needed, and negotiate for maximum compensation.

Ranciato Public Adjusters Group building collapse public adjusters may use core samples, pest inspection reports, and engineer assessments to document hidden decay or termite damage that contributed to collapse.

Yes. Ranciato Public Adjusters Group building collapse public adjusters coordinate temporary bracing, shoring, or safety measures with contractors and document all stabilization costs for claim reimbursement.

Ranciato Public Adjusters Group building collapse public adjusters prepare detailed collapse investigation reports, engineer letters, repair estimates, and contents inventory for your insurance claim.

Engage Ranciato Public Adjusters Group building collapse public adjusters as soon as possible after structural failure to preserve evidence and secure a fair initial reserve from your insurer.

Ranciato Public Adjusters Group property theft public adjusters compile police reports, prepare detailed personal property inventories with photos, and collect purchase receipts to substantiate your stolen item values.

While sentimental value is not insured, Ranciato Public Adjusters Group property theft public adjusters ensure all documented replacement costs and appraisals for valuable or irreplaceable items are included in your claim.

Yes. Ranciato Public Adjusters Group property theft public adjusters coordinate with police departments to obtain official reports and evidence that strengthen your theft claim.

Contact Ranciato Public Adjusters Group property theft public adjusters as soon as you file a police report and secure your premises, so they can begin compiling evidence and valuing stolen property.

Ranciato Public Adjusters Group property theft public adjusters obtain appraiser statements, vendor estimates, and receipts to accurately calculate the replacement cost of jewelry, art, or collectibles.

Ranciato Public Adjusters Group vandalism damage public adjusters handle intentional acts such as graffiti, broken windows, defaced siding, and damaged vehicles covered under your policy.

Ranciato Public Adjusters Group vandalism damage public adjusters photograph vandalism patterns, collect police reports, witness statements, and prepare expert damage assessments to prove intent.

Yes. Ranciato Public Adjusters Group vandalism damage public adjusters negotiate with your insurer for all cleanup, repair, and replacement costs associated with vandalism damage.

Document vandalism damage immediately after the incident-before cleanup-so Ranciato Public Adjusters Group vandalism damage public adjusters can capture accurate evidence for your claim.

Ranciato Public Adjusters Group vandalism damage public adjusters can arrange temporary security measures and emergency boarding or tarping, documenting all costs for reimbursement.

Ranciato Public Adjusters Group business interruption public adjusters cover lost income, extra expense costs, payroll, rent differential, and other operational losses resulting from a covered peril.

Ranciato Public Adjusters Group business interruption public adjusters analyze pre-loss financial records, profit and loss statements, and tax returns to calculate accurate lost income figures.

Yes. Ranciato Public Adjusters Group business interruption public adjusters can pursue contingent business interruption claims if suppliers or customers were affected by the same covered peril.

Ranciato Public Adjusters Group business interruption public adjusters document damaged stock, prepare inventory valuations, and negotiate full reimbursement for inventory losses.

Contact Ranciato Public Adjusters Group business interruption public adjusters as soon as your operations are disrupted by a covered peril to preserve financial records and maximize recovery.

The free insurance claim review from Ranciato Public Adjusters Group includes a policy coverage evaluation, initial damage assessment, claim strength analysis, and recommendation on whether to pursue formal public adjusting services.

To submit your insurance claim for a free review by Ranciato Public Adjusters Group, fill out the online claim submission form on our website or call our office to provide policy and loss details.

There is no cost or obligation for the free insurance claim review from Ranciato Public Adjusters Group-you have nothing to lose and could gain thousands by pursuing a professionally handled claim.

Ranciato Public Adjusters Group typically completes the free insurance claim review within 12 business days after receiving your policy documents and damage information.

Residents of Connecticut, Vermont, Rhode Island, and Florida qualify for a free insurance claim review by Ranciato Public Adjusters Group, as our licensed public adjusters serve those states.

A public adjuster is a licensed professional who represents the insurance policyholder. While every insurance company has its own claims adjuster to protect its bottom line, policyholders don't automatically get their own representation, which puts them at a disadvantage. By hiring a public adjuster, the policyholder gets someone to review coverage, inspect damages, prepare documentation and estimates, negotiate on their behalf, and more.

At Ranciato Licensed Public Adjusters Group, LLC, we work with residential and commercial claims including fire and smoke damage, water damage, wind damage, hurricane and flood damage, tornado damage, hail damage, building collapse, property theft, vandalism damage, and business interruption.

For optimal results, you should retain a public insurance adjuster immediately following property damage or loss. If you wait, your insurance company will assign their own adjuster who may diminish your claim, and you could lose a fair settlement.

Your insurance agent has a financial relationship with the insurance company, so they are incentivized to undervalue your damages and underpay you for your losses.

The only parties who can legally represent you are yourself, an attorney, and a state-licensed public adjuster. Beware of contractors or unlicensed individuals posing as adjusters-they could be fined $10,000 for acting without a license.

Public insurance adjusters charge a percentage of the amount recovered as their fee. In Connecticut, the maximum fee is 10%, which incentivizes them to obtain the maximum settlement.

Ranciato Public Adjusters Group, LLC offers a free initial review of your claim to evaluate its strength. We'll let you know if pursuing the claim and retaining our services makes sense.