When fire, water, storm, or roof damage hits your home, the insurance company sends its own adjuster. Appraise Your Claim is the property damage expert and licensed public adjuster who works for you.
The carrier's adjuster is paid by the carrier. Their job is to value your loss on the insurer's terms. We are property damage experts and licensed public adjusters, and we work only for the insured. We document and value the true cost of restoring your home.
Being displaced after a loss is exhausting. You should not also be fighting a claim file. We handle the documentation, the valuation, and the back-and-forth with your carrier. Felice Morina, known as the Negotiator, leads the process so you can focus on your family.
We have been property damage experts and licensed public adjusters since 2011 and are licensed across nine states. After Superstorm Sandy, we negotiated approximately six million dollars in supplemental damages, helping hundreds of families rebuild. We work on a no recovery, no fee basis, so our focus stays on your claim.
Most homeowners never read the policy until they need it — and that is exactly when the fine print starts to matter. Here is what a standard homeowner’s policy typically pays for after a covered loss, and where it quietly limits what you can recover. A standard policy generally excludes flood, earthquake, and routine wear and tear.
Your policy pays to repair or rebuild your home after a covered loss, and usually covers detached structures like a garage, shed, or gazebo — often around 10% of the coverage on the house itself. The key is carrying enough coverage to actually rebuild.
Furniture, clothing, and belongings are typically covered at 50–70% of your dwelling amount, even when stored off-premises. High-value items like jewelry, art, furs, and silverware are usually capped unless they are specifically scheduled on an endorsement.
If a covered loss forces you out of your home, ALE reimburses the added cost of living elsewhere — hotel stays, meals, and other expenses above your normal cost of living — while your home is repaired or rebuilt. It is one of the most frequently underused benefits in a policy.
Landscaping is generally covered under a standard policy for covered perils, though not for disease. It is a benefit many policyholders never realize they can claim.