PHASE 1 – CLAIMS ADJUSTMENT

Preparation, Negotiation, and Settlement of Insurance Claims

During this process, Phase One, Harris Claims Services oversees the management of the “Settlement Procedure” which involves the preparation, negotiation and settlement of all claims covered under the insurance policy. Before concluding any settlement, the staff at Harris Claims Services, reviews the policy to confirm that all claims have been maximized. There are numerous clauses within a policy which can increase the recoverable amount.

OUR FEE IS PAID FROM INSURANCE PROCEEDS AND THERE IS NO OUT-OF-POCKET EXPENSE TO THE PROPERTY OWNER.

The Three Types Of Adjusters

Before Enlisting Our Services, You Should Know This. There are three types of adjusters! Only one type works for the property owner, THE HARRIS ADJUSTER.

Illinois property insurance policies obligate the insured to present a claim to his or her insurance for consideration. There are three types of pro adjusters that could be involved in that process. The definitions of the types are as follows:

(A) “COMPANY ADJUSTERS” mean the insurance adjusters who are employees of an insurance company. They represent the interest of the insurance company and are paid by the insurance company. They will not charge you a fee.

(B) “INDEPENDENT ADJUSTER” mean the insurance adjusters who are hired on a contract basis by an insurance company to represent the insurance company’s interest in settlement of the claim. They are paid by your insurance company. They will not charge you a fee.

(C) “PUBLIC ADJUSTER” (THE HARRIS ADJUSTER) means the insurance adjusters who do not work for any insurance company. They work for YOU, the Insured. Public Adjusters, such as Harris Claims Services Adjusters, assist in the preparation, presentation and settlement of the claim. The insured hires Harris Claims Services by signing a contract agreeing to pay us a fee or commission based on a percentage of the settlement, or other method of compensation. The Harris Claims Services Adjuster gives you the advantage and peace of mind you need. They are obligated to you the property owner only, NOT the insurance company.

Public Insurance Adjusters Know The Insurance Process Inside And Out

We minimize the problems and frustration that come with preparing, documenting, negotiating and finalizing insurance claims. Your experts at Harris Claims Services, will file all your pertinent paperwork with the insurance company, arrange for the inspections of your damaged property and then negotiate the maximum settlement rightfully due to you. If we feel that the insurance company has failed to respond appropriately and pay the correct value of the loss, we advise you of your rights and stay with you until the end. This normally means a demand for appraisal where we and the insurance company agree to an umpire to resolve the situation. This benefits you and keeps the matter from being tied up in court for years. If you decide to have our company assist you, we charge, on the average, a fee of ten percent. We don’t get paid until you do. Our agreement allows for the cancellation of our contract for a period of ten days from the date of signing with NO FEE to us. This allows you to see the manner in which we handle ourselves and allows you to further make decisions.

Charges For Adjustment Services

We charge a small percentage of the insurance company’s settlement with you. Our fee ranges between 7% and 10%. This fee is waived if we are allowed to repair the building which is explained in the Phase 2 – Repair & Restoration.

Areas Of Service

HARRIS CLAIMS SERVICES has served the greater Chicagoland area for over thirty years including Lincolnwood, Skokie, Chicago, Evanston, Northbrook, Des Plaines, etc. We have recently expanded our service area in Lake and Porter Counties in Northwest Indiana.