RESIDENTIAL SERVICES Brief Overview Welcome to the informational section for residential services. Like our commercial business clients, when a homeowner purchases an insurance policy on their property, they assume that everything will be taken care of if a loss occurs. Unfortunately, this is not always the case. It is in the best interest of an insurance company to keep their claim costs as low as possible. An insurance adjuster who sent to review and prepare an estimate, works for the insurance company, not for the homeowner. Consequently, the interests of the adjuster lie with the company that pays his or her salary. But don't despair, there is a way to fight back... by contacting us at Hillis Adjustment Agency. Hillis Public Adjusters work for you, the client, not an insurance company. We will give our clients a fair and accurate assessment of their property's damage and make sure that they get back what they deserve for their insurance claim. If there is no recovery, then we don't charge a fee. It's that simple! Your Insurance Claim After a Disaster 1. Contact Hillis Adjustment Agency, Inc:     • Call Hillis Adjustment Agency as soon as possible and let us know about the severity of the damage. Insurance cases are sometimes prioritized. If your home has severe damage, you may get more attention than a home that only has minor damage. We will notify your claim to your insurance company.     • Make sure you give us all of your contact information to make it easy for us to contact you.     • If you can't live in your house and you have to stay at a motel or with friends, you have the right to some cash. Insurance companies will reimburse you for the additional cost of living expenses. This reimbursement will even cover restaurant meals within reason. Keep track of mileage and all extra expenses. 2. Make emergency repairs: Make temporary repairs but do not compromise your safety or health. Err on the side of safety. 3. Document, document, document: It's up to you to substantiate your loss. Think about photographing or videotaping the damage. Make an inventory of damaged items. Keep all records and a list of people that you speak to. The more organized you are, the better. 4. Watch out for scammers: If your home was destroyed by a storm, fire, or other disaster, be cautious. There are dishonest service providers that prey on disaster victims. Don't be rushed into signing a contract with any roofing or building company. Investigate the track record of any roofer, contractor or public adjuster that you consider hiring. Never give anyone a deposit until you have done your homework. 5. Protect your settlement: If you're not happy with how the claim is settled, go back to the adjuster and document your side to the head of the claims department. If you're still not satisfied, you can hire a good public adjuster. Mediations and the appraisal process can be extremely dangerous without professional representation. A public insurance adjuster documents the damages and will organize your claim. A public adjuster then meets with your insurance company to maximize the return on your policy. You typically pay them a percentage of your claim. Hillis Adjustment Agency has public adjusters serving consumers nationwide. Many claims are battles, but do not give up. We almost never lose. Have You Been Undercompensated by Your Insurance Company? Many homeowners have discovered damages three to six months after their original claim. These damages can be the result of water inside the walls, under the baseboards, and in the ceiling insulation. Furniture may become discolored, stained, split, or peel. Electronics and appliances may cease operating due to smoke or water contamination. These damages may not be immediately apparent, but they get progressively worse if not repaired. Untreated water damaged areas provide a medium for the growth of mildew, which will not improve and can be a health hazard to you and your family. Sheet rock that has been water damaged is seriously weakened and can crumble after it dries, causing paint to peel and tiles to loosen and fall. Water in the wooden supports can promote swelling, distortion, and rot, seriously devaluating your property and attracting insects, and other pests. You may be entitled to significant additional compensation to replace or repair these after affected areas of your loss. Hillis Adjustment Agency is here to help you. We represent YOU, not the insurance company. We will re-open your case and make certain that you receive everything you deserve and are entitled to, without any out-of-pocket expenses to you. Our Services Include: • • • • • • • • • • Advise and assist the policy holder in presenting their claim, as the insurance company puts the burden on the insured to prove their damages and present a detailed account of their loss. Review the policy and advise you to what you are legally entitled. Fully investigate and document the claim. Provide the insurance company with a detailed and accurate report of damages. Provide the physical inventory and appraisal of all damaged personal property. Provide experts if needed to support the claim. Negotiate the best possible settlement. Keep you apprised of the settlement efforts. Minimize the stress and hardship of having to do it alone. Collect and disburse the best settlement payment to you. Scenario: A storm is fast approaching. You make all the necessary preparations, yet your house is still damaged by the storm. With your roof leaking and your family to take care of, you need to make repairs to your house as quickly as possible. In the wake of a damaging storm, confusion and chaos can reign. With so much to worry about, the last thing you want to do this is fill out tedious paperwork only to wait and argue with your insurance company over your claim. You need help, and you need it fast. Solution: CALL HILLIS ADJUSTMENT AGENCY IMMEDIATELY! By contacting Hillis as soon as disaster strikes, you can save yourself from the painful process of dealing with your insurance claim. We will handle your entire claim for you, starting from the date of loss until the last check is collected from your insurance company. Our goal is to collect the maximum amount of money that you are entitled to. We will not settle a claim until we reach a fair and satisfactory agreement with your insurance company.

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