The EPIC Advantage

EPIC is comprised of the most experienced and certified public adjusting professionals in the industry.

We are committed to: EPIC results in every recovery Ongoing education and training to keep the EPIC team ready to respond with workable solutions for home owners and business owners The most capable group of support personnel and adjusters Steady growth and financial stability

The majority of the EPIC team boasts more than10 years of expertise in the property claims industry – many have more than 20 years. This hands-on experience is highly beneficial in meeting the unique circumstances of each client.

Unlike other public adjusting companies, we offer our professional team an excellent in-house networking system; allowing us to support and communicate with each other during the settlement of a claim. This arrangement allows us to network with other knowledgeable people in the group as well as with outside experts- such as attorneys, engineers and building contractors where we have many long standing relationships.

Inventory Specialists

We employ a team of highly qualified inventory specialists. Our people are experts at measuring, scoping out the extent of damage, and estimating a building loss. It is a unique art; as is establishing the repair or replacement value of contents.

For example your damages may include:
	Art		Personal Items
	Computers and other Technology		Vehicles
	Equipment		Wall Coverings
	Floor Coverings		Window Treatments
	Furniture

The valuation of contents (personal or business) can be more challenging than establishing replacement cost of a building. In fact it is not unusual for the insured to not be familiar with the true value of their property’s content.

Example....Why you need Inventory Specialists

A Sofa Damaged by Fire

Options:
CLEAN SOFA: $84
When evaluating damaged property, the first step is to determine the extent of the damage and what is required to return it to its pre-loss condition. For example, if a home sustains a fire, cleaning soot off of a sofa may leave the sofa clean, but the fabric may discolor or have a compromised life. This does not make the policyholder whole.

REPLACE: SOFA $1380
Accordingly, replacement may be required. The next step is to determine what the sofa was worth and how much should be paid to replace it. Many replacement cost policies will pay the cost as if you were purchasing the same sofa, in its current state; meaning that it is not worth the same as a sofa just from the manufacturer. So an amount of depreciation must be applied to the property. This amount is often subjective and has numerous factors that can affect the replacement figure.

REPAIR/REUPHOLSTER
of SOFA: $1600
Another factor is whether or not the property can even be replaced. What if there is no identical match? What if the sofa is no longer manufactured? Often times one can consider repairing the property for more than the cost of replacing it if it can be justified due to matching. For example, if the damaged sofa belongs to a set that can not be matched. The sofa may be presented for repairing and reupholstering of the entire set. Every policy is different and the language, statutes and facts of each claim differs. At EPIC, we utilize some of the most experienced professionals in policy interpretation. We will study each individual policy in order to educate our clients on exactly what they are and are not covered for.