FAQ

Ideally, we need your plumbers report/invoice and a copy of your policy (or at least the Dec page--usually the first page). Please email them to admin@ironsideclaims.com. (If there is an HOA involved, then we need: HOA CC&R’s, HOA Bylaws, HOA’s certificate of insurance). If you are without a kitchen during the process or you will have to relocate, please hold on to your meal expense receipts.

Getting us the initial documents will be the most helpful thing to do. The second thing that you can do is line up a contractor and get their estimates as soon as the water mitigation is done.

Hearing from us at least once a week would be normal. In the beginning there will be more back and forth and towards the end potentially a little less.

It is not uncommon for them to try and schedule an appointment directly with you. Let them know that you have a public adjuster and that the adjuster should contact them.

Ironside Claims will not manage your construction project. We recommend that you bring out your own contractor as soon as water mitigation is done.

Typically your first check comes within 1-4 weeks of the first inspection with the insurance company. When your first check arrives it is safe to deposit it. By law, in the state of California you depositing the check cannot be taken as you having accepted that check as the last offer. There is no benefit to holding on to the check.

Most of the time your first check will not be enough to do all the repairs. Adjusters are subjected to insurance company guidelines that have been designed to hold on to as much money upfront as possible. Insurance companies make their money by investing your premiums, so the longer they are able to hold on to your money, the more money they make in investments. Most of the time, your settlement will arrive in multiple checks.

Your contractor will be paid by you. Your water mitigation or abatement vendor will be paid directly by the insurance company if you signed their “direction of payment.” We strongly suggest that you sign it. It will make keeping track of your actual construction budget a lot easier.

Be in contact with your contractor. Once you have an idea of the construction costs, let us know. Secondly, keep tracking your meal and housing receipts. This is something we will have you submit to the insurance company.

Our vendors through either TPS Housing or Temporary Housing Express will assist you in getting situated. They will find houses similar to yours in your area and speak to the insurance company for you. - TPS Housing: Lisa Gilbert, (760) 687-1001, lisa@tpshousing.com - Temporary Housing Express: Arthur Kanian, (818) 624-7057, arthur@temporaryhousingexpress.com

Too long. Even with a public adjuster the process is too long because the insurance companies typically move too slow for anyone’s comfort. We want to be upfront about that expectation. While the insurance company is slow, it is our commitment to you that the ball will not stay long in our court. As soon as there is an action we are able to take, we will take it.

A public adjuster surety bond is a requirement for public adjusters to obtain in some states, providing financial protection for clients in case the adjuster fails to fulfill their duties.