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I feel that I am also a public benefactor, an "angel of mercy"

Here is why. I take the time to actually explain insurance policies, mainly fire and homeowners policies to people who do not understand them. Most people do not know the first thing about their insurance.

I visit some houses that are almost falling down on the owners' head. They feel that they are insured for everything. After all, they pay the premiums. The problem is that even a good policy has restrictions and exclusions. A flood for example requires a specific flood policy and no policy covers the actual pipe itself if there is a plumbing leak (only if the pipe broke due to freezing).

Many people live paycheck to paycheck nowadays. And when a roof leak occurs, the insura...

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A fire policy or homeowners policy normally states that if you want to sue your insurance company, you have to do it within one year of the date of loss. This is the day when the problem occurred such as a fire or pipe leak, or the day that you became aware of the damages. Some policies allow two years to sue.

It's also written in the policy that the insured and the insurance company both have the right to demand the "appraisal" process. This right means that if you or the insurance company disagree on the amount of money in the settlement, either of you can "demand an appraisal". Even the best public adjusters will utilize this option when it's needed.

Let me call your attention to the fact that there is reasonable no time limit for app...

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People ask me all of the time, "why should I hire a public adjuster?" They say "I'm a really smart guy, and I can do this on my own."

I will sometimes answer by saying that I'm a pretty smart guy too, and yet when I need to go to court, I always hire a lawyer. When it's tax time, I use an experienced accountant. When you submit a property insurance claim with your insurance company, you need representation as well.

No matter how smart or savvy you might be, there are times to hire a professional to be by your side in order for you to have the best chance of a positive outcome.

There are so many aspects of an insurance claim which make them extremely complicated and tricky.

Replacement values, depreciation, actual cash values, loss of inc...

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Many people wonder if hiring a public insurance adjuster is worth it when they’re faced with home or property destruction of some sort. They may see hiring one as just another expense and another person that they would have to pay, but what they don’t know is that the reward is far greater than the cost. Here are three questions that are frequently asked about hiring a public insurance adjuster in Philadelphia, PA, and other local areas:

Q. What do public insurance adjusters do?

A. After a disaster, the last thing you want to think about is haggling with your insurance company to get the money back that you rightfully deserve. This is where public insurance adjusters step in. They are qualified experts on property loss adjust...

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You probably know the story by now. It snows, kids have off from school, they decide to go outside and play, they build a snowman, put a magic hat on him and he comes to life. They have the time of their lives with Frosty until the snow starts melting and sadly, he melts too. But! Frosty comes back the next time it snows, and everyone is happy again.

At Citiwide Adjusters, a leading public claims adjuster serving Philadelphia, PA, and the surrounding areas, we like the story of Frosty the Snowman and all, but we’re wondering what happened to his home and how he got paid for the loss of it.

In our opinion, Frosty should have used us (or at least some kind of public insurance adjusters) to help him receive the highest possible settle...

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If you’re like most people, when you hear the word “snow” you probably run to the nearest grocery store to buy eggs, bread and milk just in case you’re snowed in for the entire winter (or the world is ending). While that most likely won’t happen unless you live in a secluded area in the mountains, it is possible for a winter storm to cause damage to your home. Sometimes, blizzards happen so quickly that you don’t have much time to react, and by then it’s too late.

At Citiwide Adjusters, we’re a firm of public adjusters serving Philadelphia, PA, and the surrounding areas. Since 1988, we’ve been helping people get back the money they deserve after some kind of damage to their property. ...

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After a long, hot summer, the consistently cooler temperatures we’ve been having in the Philadelphia area come as some relief. However, as a public adjuster in Bucks County, PA, we’re well aware that winter weather and its accompanying damages are on their way. In particular, high winds don’t get much attention as a risk factor, but can cause extensive property damage. Today, we’ll offer some insight on windproofing your house before a storm strikes.

Trees – That old tree on your property may look picturesque, but if it’s unstable, it poses a serious threat to your property.

Your first line of defense should be to regularly prune any branches that pose a threat to your house or vehicle. Since this is a...

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You probably know we’re not talking about stocking up on toilet paper and eggs. Like most people, your Halloween weekend will be spent attending parties, trick or treating with the kids, watching spooky movies and eating candy. For some, however, Halloween is an opportunity to cause a little mischief, and not all of it puts a smile on everyone’s face.

Mischief Night, the night before Halloween, is traditionally designated for pranks that range from harmless jokes to outright vandalism. Now, let’s make it clear that while vandalism rates do go up on October 30th and 31st, they tend to do so around any major holiday. We’re not trying to fearmonger – but our public adjusters near Bucks County, PA do want you to...

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Insurance fraud costs American consumers a cool $80 billion a year–and that’s just the surface. While many of those who commit insurance fraud don’t intend serious harm, their schemes can have tragic results. At the very least, their crimes tax the resources of our legal system and very likely ruin their own reputations for good.

We value honesty and integrity, and so do our customers. But throughout history, headlines are filled with stories of people who tried to make a quick buck by defrauding insurance companies.
We can’t quite believe the lengths that some of these fraudsters went to, but all the stories we share with you today are true.

The Man Who Didn’t Die in a Canoe

John Darwin’s financial tro...

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The average loss from a home break-in is $2,185–that’s a pretty decent vacation, several car payments or a few college classes. Why risk losing that amount when you could keep yourself and belongings safe with a few simple safety tips? As public adjusters in Philadelphia, we’ve seen our share of property theft, and have learned some easy ways for you to protect your assets.

Reinforce locks. This is perhaps the most obvious piece of advice but surprisingly few homeowners seem to follow it. Getting lazy about your locks is an invitation for burglars to waltz right on in. In fact, the majority of break-ins occur through the front door.

Make sure all of your door locks are outfitted with a deadbolt or, at the very least, a ...

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