"Denied,  Under-Paid,  Not Settled,  Under-Insured Property Claim?      Need Your Claim Re-Opened?       Your Policy Improperly Written?     Just Found Out That Your Coverages Were Changed?
Often, You Will Face the Fight of Your Life AFTER a Disaster."

Their company wants you to give up & walk away, or take their "settlement" (usually a low offer), leaving a lot of your $'s on their table, and you quite short or even... unpaid.

Do you really believe that without a lot of your money & WITH ONLY THEIR "settlement" (low offer), that it is actually enough for you to replace the Business or Home that you've lost, plus all of your hard-eaned and paid-for Inventory?

If it's not enough... didn't their Agent assure you that it would be?                                  Have your coverages paid the cost to put you back the way you were before this loss?

Recovering from a catastrophe is a tremendously stressful and unstable time in your life. Truth is, most people get delayed so much that they become worn down, demoralized and give up. Then, they just accept being denied or simply take their insurance company's "settlement" (low offer), and then  move on... feeling significantly shorted and defeated.

If you doubt that their insurance company is interested in keeping your money, consider this…

• To their insurance company, your claim pay-out comes right out of their profits.
• They state that you Under-Insured your Business or Home. Did you really ask their Agent to only insure 50% or 60% of your property... and intentionally leave yourself financially responsible for all the rest?
  
• Under-Insured, Under-Paid, Delayed, and Denied Claims Make Insurance Executives INCREDIBLY RICH.  Don't Let What You Are Owed Become Part Of Some Insurance Executive's Bonus!
• Denied claims may well be reversed, with the proper handling!
  
• There are many “Grey Areas” in an insurance policy, and any "settlement" offered is probably at the lowest amount of an insurance adjuster’s range.

It's NOT Your Fault.

You are no doubt learning that you are NOT in a position of power when trying to recover from their Insurance Company, through their hired, trained, and very experienced personnel.

Here’s what you’re up against:

• Can you really become a Claim Professional overnight, to compete with their Claim Professionals
• Are you an expert in policy language and coverage interpretations, as well as policy definitions
  
• Would someone else, suddenly in a very stressful situation, really become as competent as you in your profession, overnight
• How do you actually know just what the true dollar value is of all that you are supposed to be covered for
• You've almost certainly never had to prepare a detailed and proper Structure, Contents or Business Interruption valuation
• You've most likely never learned and/or really understood just how to prepare and present your claims in their required format
  
• The process is made complicated on purpose, by the insurance company, to deny, delay, over-stress, intimidate and postpone proper payment for your claims
  
• But their insurance company personnel have negotiated and made "settlements" on 1000's and 1000's of property claims
• Their insurance company will use their power to confuse, maybe even to intimidate or pressure you

"THIS REALLY HAPPENED TO MY FAMILY AND ME IN 1984;                  AND STARTED MY PUBLIC ADJUSTING CAREER."

Their Insurance Company Tried To Deny Almost Our Entire Homeowner Claim.      After a Very Tough Fight, They Very Reluctantly Finally Offered $60,000+ and Said "That Is It". Knowing We Were Being Underpaid, We Hired a Public Adjuster and Together, Were Able to Get $333,560... 5+ times more!"

From The Desk Of: Pete Romero
Date: 7/15/2009

Who's Really On Your Side?

The Experienced Public Insurance Adjusters at Unity Adjustments.

We have been there before, and have helped thousands of clients win. After more than 26 years of Public Adjusting experience, across over 20 Federally declared disasters, Unity Adjustments has recovered Millions & Millions of EXTRA dollars AFTER the insurance company told them: "Your claim has been paid in full... and most policyholders had believed them.

You will get EXPERTS who:

• Have re-opened and recovered full payment for denied claims
• Know how to prepare detailed and proper valuations for everything, and in the necessary format
• Will “hand hold” the entire process from beginning to end
• Have hammered out winning settlements over and over
• Have handled 1000's of claims

We Consistently Get Our Clients Very Substantial ADDITIONAL, LEGITIMATE $'s From Their Insurance Company.

Actual Recoveries Below:

Now, With Unity Adjustments, You Can Be Made Whole and Get Back Your Life.

#1. Relieve Frustration

Are you exhausted trying to stop a denial, or reach a fair settlement? Maybe you know that they are taking advantage of you because of your lack of experience with their claim process. Well, this is natural... think about it. How many insured disasters have you worked on, which required deep knowledge of the property claim process? It's not what you were trained for, it's not where your experience shines, and it's not where you have real passion.

#2. Get Peace Of Mind

By handing off the struggles and challenges of their very stubborn insurance company to a professional team, you and your family can have peace of mind. Unity Adjustments has almost a 100% success in getting clients more money for re-opened, re-settled claims.

#3. Get ALL The Money You Truly Are Owed

Do you think their Adjuster cares about "Personal Attention", when they are rewarded by their company for closing as many claims as quickly and cheaply as possible? Your situation is personal to you, and deserves to be treated with personal, individualized attention. Unity Adjustments will not stop until you have a claim check in your hand for all that you are really owed. Only when you FULLY Recover can you FULLY Rebuild.

What is a Public Insurance Adjuster?

Public Adjusters are bonded Professionals who are licensed, tested and authorized by a State to prepare, present and negotiate on your behalf, in order to get you fully paid for your property claims, by their insurance company.

How We Help:

1. Claim Preparation for both Real and Personal Property

• Complete a precisely detailed estimate of what is required to repair or rebuild your structure(s)
• Assist in the preparation of inventories on your damaged business or personal inventory, and related items. With your help in providing correct documentation, determining ages and full descriptions, a professional Public Adjuster will evaluate and determine the current "ACV" and "Replacement" values.
• Establish a professional line of communications with the insurer's representative.
• Present estimates, inventories, and other valuations to the insurer's representative in the format needed for their software
• Meet with their adjuster to negotiate and close your claim fairly and equitably for you, thus resulting in an complete settlement
  

2. Business Interruption and Other Time-Element Losses

• Prepare (or have prepared by an Accountant): "B.I." (business interruption), Loss of Rents, or "ALE"/"Loss of Use" (additional living expenses), "Extra Expense", etc.
  

3. Appraisal (specialized form of Arbitration) and Mediation Services

4. Communication, Presentation, and Justification of Your Claim Losses

5. Negotiate to Settle Your Claim for More Money, Honestly Owed to You

A History Of Successful Service To Our Clients

• Thousands of Property Claims Re-Settled For More Money
• Millions & Millions of Additional Dollars Paid to Our Clients, after their Insurance Company told them "You have been paid in full!"
• Over 26 Years Experience Across Over 20+ Federally and State-Declared Disasters
• An almost 100% Success Rate for Re-Opened Claims (Those claims were re-opened after the Policyholder was told by their Insurance Company Representative: "You have been paid in full!"
• Highest Standards of licensed Public Adjusters in the Industry

Seamless Service

• One Point Of Contact
• All Required Professionals Under One Corporation - YOUR TEAM
• Licensed & Bonded
• Local Claims Processing & Adjusting In Your Community
• Unity Actually RESIDES In Your Area, While Working With You

Those Helped By Unity Adjustments:

These Might Be Some Questions You Have...

What Can a Public Adjuster Do That I Can't Do?

We hope you have been successful with your efforts to collect all the insurance $'s you are entitled to. And if you don't need our services, then you are ahead of the vast majority of people in your situation.

But if you've been Denied, or aren't sure you've FULLY Recovered, or you know you haven't, then we offer the vast strengths of knowledge and of experience. How many property insurance settlement claims have you negotiated against insurance companies -- successfully? Our Licensed Public Adjusters can greatly strengthen your efforts, and we have successfully recovered more money for 1000's and 1000's of our clients.

Is It Expensive to Use a Public Adjuster?

Our services are at no risk. "It's a no brainer." Only when you collect, do we earn money. Also, we most often only get involved AFTER you have been denied, tried to collect all you can, or when a stubborn claim can't be settled and closed fairly to you. So, we usually only help when you've done all you can, and our help would bring you the money you couldn't get, or didn't know that you were entitled to recover!

Can I Get Paid if My Claim Was Denied?

YES. We know many ways to probably get you paid, even if your claim was denied 1, 2 or 3 times. It requires special handling, but this is exactly what we are experts at doing, and have done, for many of clients.

I've Already Recovered All That Can Be Recovered...

Who says you FULLY Recovered... Their Insurance Company? You, yourself? How would you really know? How are you absolutely sure?

Do you have significant, previous, major property claim experience? Are you perhaps Under-Insured, therefore "short"?

We will review your claim and your settlement. If you have collected all that you're owed, we will congratulate you and then you will have peace of mind that all moneies were recovered. But in our experience, over 90% of the claims we've reviewed have been Under-Paid, and our experience will help you to be legitimately and FULLY paid.

What's the Difference Between an "Independent Insurance Adjuster" and a "Public Insurance Adjuster?"

"Independent Insurance Adjuster" is the biggest lie ever put over onto the American policy holder. Think about it:

1. Their insurance company hires the "Independent Adjuster", from a Company that rents adjusters
   
2. Their insurance company trains and guides the "Independent Adjuster" on their Claim Process
3. Their "Independent Adjuster" prepares and organizes a claim according to your insurance company's guidelines, and solely on behalf of your insurance company

How Independent is that? 1 adjuster CAN NOT fairly represent 2 parties. No one can ever serve 2 masters.

A Public Adjuster represents you, and only you... never an insurance company. Would you hire the IRS to prepare your taxes? Why allow their Insurance Company's Adjuster or Claim Representative (only an "employee") to prepare your claim?

A Public Adjuster is State-licensed, so they must first be:  finger-printed, tested, bonded, and often are required by the State, to be apprenticed... all just to become licensed.

They take and pass 18 - 24 college credit hours every 2 years, just to retain their license.

Their insurance company MUST negotiate with your Public Adjuster, NOT with a contractor or engineer, by State insurance code and by State law.

"Want to Get All the Money You Honestly are Entitled To?
We Have Helped Thousands of Clients Recover Much More Legitimate, and Therefore Much Larger Settlements for Their Property Losses."

Our Property Insurance Claims Experts Will Review Your Property Policy and Claim Risk-Free and at No Obligation:

Our Full 30 Point Claim Review

• Full examination of your claim preparation
• Detailed discussion and understanding of your claim submission
• Review of all correspondence
  
• Review of all insurance documentation
• Analysis of the already-determined valuations for correctness
  
• And lots more...
  

10 Pt Checklist For Items Where You May Be Underpaid

• Review of your inventory list
• Proof of purchase details
• Documentation of your structure and other losses
• And more...
  

Site Inspection

• Walk through to inspect your damages
• Inspection for undiscovered damages
• Complete property valuation and assessment review
  

Get the Experience and Strength Needed in Order for You to Obtain All The Money You're Entitled To Recover.
Call Us Today: 626.833.7157 & 719.232.1168

"Your Free Property Policy, Claim and Insurance Information Package From Unity Adjustments."

NEWSLETTER SERIES  -  "Top 20 Tips For Getting More Insurance Claims Money." (Delivered by email)

These tips, delivered as individual newsletter topics, are developed by Pete Romero, highly successful Public Insurance Adjuster. Mr. Romero knows how to speak to an audience of all experience levels.

• Do you know the signs you are being underpaid?
• You may have filed, and then are struggling to get paid!
• How to get more correctly paid for your losses, without costing more!
• When are the "Appraisal" and "Arbitration" techniques best used to your advantage?
• Can you get paid if your claim has been "denied"?
• Maybe NOW is the time to have your claim professionally reviewed for FREE and without obligation.
• The newsletter is full of current information about today's insurance and claims topics. You WILL see ways to strengthen your insurance coverage or to legitimately collect more for your insured losses.

EDUCATIONAL SERIES: "Re-Opening, Re-Settling A Claim." (Delivered by email)

• What it takes to Re-Open and Re-Settle your claim more correctly and more fairly?
• Why you want to Re-Open your claim as soon as you determine there is more payment due to you.
• How do you get a higher claim settlement if your Company told you that your claim is paid in full?
• What is the process to Re-Open your claim... is it complicated or difficult?
• Techniques for getting more legitimate money in payment for your real losses.

These further tips are prepared by Pete Romero.