Epic Group Public Adjusters - The Epic Approach

The Epic Approach

Page 1 of 2

Personal Service with an Army of Support

Epic adjusters routinely network together. They keep an ear on the industry buzz and exchange information with other professionals. This networking results in invaluable knowledge and provides EPIC’S clients the extra edge in negotiating a settlement. This includes everything from detailed cross referencing of the latest unit price changes to the company specific trends and any corporate policy changes your insurance company may have recently made that could influence how to best settle your claim.

The adjusters at EPIC routinely hold discussion groups for optimizing claim presentation strategy and perform interoffice background assessments on the individuals that the insurance company assigns to handle claims. This priceless information can only be compiled through the numerous experiences of the adjusters at EPIC.

Epic Group has FIRST HAND
KNOWLEDGE of the Insurance Industry.

Policy Language Interpretation: For Example, Antique Vs. Old?

Antiques are objects which have reached an age making them a witness to a previous era in human society. Although the specifications on what classifies an antique as such differs from one person to another, the insurance industry will not recognize an object as an antique unless it has aged more than one hundred years.

While the typical homeowner’s policy does not place a limit on antiques, the difficulty lies in knowing how to value one. In the absence of the replacement cost endorsement on personal property, all contents (including antiques) will be valued at their actual cash value.

THE EPIC APPROACH
Covered Topics

Page One
	Personal Service
	Policy Language Interpretation
	Assessing Structural Damage
	Attention to Detail
Page Two
	Using Industry Experts
	Specialty & General Contractors
	Strategize Your Settlement
	Restoration Contractors

Adjusting insurance claims is a highly subjective business. However, what sets us apart is our experience in interpreting the language of an insurance policy along with EPIC’S extensive knowledge in construction and rehabilitation of properties, both residential and commercial. From the moment youhire EPIC to the final settlement of your claim, we are with you every step of the way.

Accurately Assessing Structural Damage
Over 99% of the claims EPIC has adjusted have resulted in a substantial increase to the insurance company adjuster’s initial estimate of damage.

Why?
Simple…EPIC’S thorough and comprehensive inspection. An EPIC inspection looks BEYOND THE OBVIOUS. This means we check everything -- from testing wall cavities for moisture, looking for evidence of mold, analyzing structural failure signs, and understanding the methodology needed for the appropriate repair or restoration.

Have you considered...
	MOLD CONTAMINATION?	COMPROMISED EFFICIENCY?
	SMOKE ODOR?	DISCOLORATION?
	ELECTRICAL DAMAGE?	PRODUCT FATIGUE?
	STRUCTURAL FAILURE?	WARRANTY CANCELLATION?
		...EPIC does!

For our clients to collect the maximum amount on their claim, EPIC only employs experienced and trained professionals to inspect for hidden damage, assuring all the aspects of the damage are considered when presenting your claim.

With our highly sophisticated computer network we are able to instantly share information with adjusters in our company database who have the right experience to deal with your particular claim.

Q: What are pre-loss conditions?
A: The condition of belongings prior to any damage inflicted by a covered loss.

Q: My insurance company has sent me a check, but it does not cover my total damages. What can I do now?
A: You are entitled to the maximum amount allowed in your policy. If the payment will not cover the damages, Epic Group will file a supplemental claim to recover the full amount you are entitled to collect.

Attention to Detail :
The Policy and the Property
When it comes to getting your claim paid – and paid at the proper amount – the more detail you can give to the insurer, the more you can collect. At EPIC we are extremely detail oriented.

For every client we will:
	Provide a detailed evaluation of the policy proceeds
	Conduct a thorough inspection of all property damage
	Measure and inspect every room with damage
	Take numerous photographs; often finding damages that the insurance company missed in its inspection
	Record and organize all details related to the claim
	Utilize advanced computer technology and software. Our custom designed proprietary claim handling system CHRONICLE puts all of the necessary information about your claim at our fingertips
	Take however much time is required to properly quantify the loss