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The playing field of handling a property claim is not what any insured expects. The insurance company has career adjusters advocating for its interests. Those adjusters retain “hired-gun” estimators to confirm the carrier’s positions and valuations of a loss. The burden of proof to establish the valuation of damages falls squarely on the insured. If the insured is unable to overcome that burden of proof, they will get paid what the carrier wishes to pay, not necessarily the fair value of the claim. Insureds need their own professional representation advocating for their interests. Public adjusters are those advocates!  Preparing and filing a claim requires complying with policy requirements, and it takes hours upon hours to ensure that it's done properly. Sill's team of experts help to relieve the policy holder of the responsibilities of documenting and filing your claims, allowing them to focus on rebuilding their life.

Dealing with a property insurance claim following a disaster is stressful and horribly time-consuming. Your first demand is to  review and understand your insurance policy to determine whether or not the loss is covered under the terms of the policy, and to determine  if there are any limitations and/or exclusions to the coverage(s) or amounts. Sill’s adjusters and attorneys have decades of experience reviewing insurance policies and can quickly determine what is covered under the policy, including often uncovering extensions of coverage that are not readily apparent. Coincident with the policy review, Sill’s team will begin documenting the proof of damages to your building and personal property, and the loss to your business income to submit to the insurance company to ensure that you meet your burden of proving your damages.

To put it bluntly - immediately! We see time and time again how insurance companies use the time immediately following a disaster to capitalize on the chaos and get the policyholders to  either compromise their claims or agree to partial settlements that are far below what they are actually owed. By hiring Sill public insurance adjusting firm, you ensure that your claim is in the hands of an expert and experienced  team, who will work throughout the claim and in all areas of the claim in your best interest to get you the maximum settlement for your policy. Equally important, offloading the claim to Sill allows you the time and energy  to focus on restoring your life and / or business.

Experience, expertise, professionalism, integrity, and licensing in the type and size of loss you suffered in the state of your jurisdiction! Ask the Public Adjuster to see a list of references of similar companies which have suffered similar losses. Ask to let you contact their references.  Any public insurance claim adjuster you choose to work with should have years of experience handling a similar type and size of claim,  and should have their own employed complete team of dedicated staff - including adjusters,  building estimators, contents appraisers,  certified public accountants, and in-house attorneys. A small public adjusting firm will not be able to devote the time and attention to all of their claims needed for successful recoveries. Do you want your claim to be the one without the needed attention and pro-activity? You may only have one major claim in your lifetime, why not use the very best public adjuster in the industry?

Insurance policies, just like all legal documents,, should be reviewed only by attorneys and adjusters trained in property insurance policies. Policies are intentionally drafted vaguely, leaving them open to interpretation by your insurance company-most always in their favor. The policy is the roadmap that dictates how and how much a claim may be settled for. If you are not expert in property policies, it is almost certain that you will badly compromise your claim by failing to recognize coverages that exist or by failing to convince a skilled adjuster, who has been hired by the carrier to represent its interests, as to your interpretation of the policy. Furthermore, it will be nearly impossible for you to meet your burden of proof of damages without a detailed, line by line itemization of damages to your building, contents, or business loss.

You work with an insurance agent to acquire an insurance policy. Period. They are not trained in claims adjusting. And certainly do not have any the knowledge or ability to prepare an Xactimate building estimate (required by insurance carriers).  Finally, your insurance agent may have a conflict of interest in connection with your claim, as he or she may receive bonus compensation from carriers at the end of each year based upon their claims’ ratios. Your insurance agent may be able to recommend a public insurance claims adjuster, but do not rely on them to help handle your claim.

In order to meet your burden of proof, you may need all or part of the following:

  • Detailed unit cost appraisal estimate prepared using the universal Xactimate software for any building damage replacements and repairs
  • Detailed, line by line, with pricing support, of physical inventory and damage appraisal of all furniture, fixtures, equipment, and stock
  • Identification and evaluation of any insurable interests in any of the betterments and improvements
  • Valuation and appraisal needed for any co-insurance requirements
  • Determination of salvage disposal
  • Physical depreciation schedules for all property
  • Income loss analysis for any business interruption claim

Public adjusters work exclusively and only for the best interest of the policy holder - not the insurance company. For this reason, we only get paid if you get paid, and the fees for services are generally a small percentage of the insurance settlement. Most of our past clients have seen such significant success with the settlements Sill has been able to procure that the fee is fully absorbed by the final settlement amount.

16 Apr 2021
Business interruption claims due to Covid-19 reach Ohio Supreme Court
Business interruption claims from Covid-19 are under review by the Supreme Court of Ohio. Sill's public adjusting team is carefully monitoring the situation.
12 Apr 2021
Above average hurricane season predicted for 2021
Public adjusters at Sill are ready to respond. Weather experts are predicting an above average hurricane season this year.
26 Mar 2021
Strong winds whip parts of Ohio, thousands without power
Public adjusters can help property owners who find themselves dealing with property damage after a wind storm. Get a second opinion about your claim from Sill.
18 Mar 2021
Tornadoes leave trail of destruction in the Deep South
Public adjusters from Sill's disaster response team are ready to help any property owner who is dealing with property damage after a recent tornadoes.
17 Mar 2021
Dangerous tornado outbreak possible in the South
Sill's team of public adjusting experts are ready to respond to any location that may be impacted by a tornado outbreak this week in southern states.
08 Mar 2021
CNN: 'Supercharged tornado season' is possible this year
Public adjusters from Sill are prepared to handle what could be a very active tornado season this Spring. Contact us if you experience any type of damage.
26 Feb 2021
Consumers Reports suggests hiring a public adjuster in Texas
Consumers Reports suggests property owners in Texas hire a public adjuster for help with property damage insurance claims due to recent storms.
19 Feb 2021
Are broken water pipes covered by my insurance?
Call a public adjuster from Sill for help if you have property damage due to winter weather in Texas. We can settle your claim faster, and for a much larger amount.
18 Feb 2021
Insurance claims explode in Texas due to frozen pipes
Public adjusters from Sill are ready to help anyone in Texas who will be filing a property insurance claim. Our team of licensed insurance experts can help you settle faster.
17 Feb 2021
The insurance company is not your friend according to a client we worked for
Public adjusters from Sill can help property owners dealing with a large loss claim to recover from any type of disaster.
15 Feb 2021
More than 150 million people under Winter Storm Warning
Public adjusters from Sill are ready to help property owners who find themselves dealing with an insurance claim due to winter weather.
02 Feb 2021
Sill's team of public adjusters help apartment manager recover after fire
A Cleveland area apartment owner has hired Sill public adjusters to help with multiple claims. Find out how we can help your business recover after a fire.
31 Jan 2021
Nor'Easter to impact Pennsylvania and New England
Public adjusters from Sill are ready to respond to any type of property damage caused by recent snow storms. Find out how we can help with your insurance claim.
19 Jan 2021
What is a public adjuster?
Public adjusters help property owners who find themselves involved in an insurance claim dispute. Sill is the leading public adjusting firm in north America.
19 Jan 2021
What to do if your property insurance claim is denied
Public adjusters from Sill can help you if your property damage claim was denied by your insurance company. Contact our team 24/7 for help with your claim.
15 Jan 2021
Sill helped Trimjoist to 'survive' after fire
Sill public adjusters helped the Trimjoist Corporation survive after a devastating fire tore through the manufacturing warehouse and maintenance build.
15 Jan 2021
Sill public adjusters helped Rutland Plywood Corporation recover after fire
Sill public adjusters helped a plywood company in Vermont through a devastating fire. See how our team helped the business get back on track with expert help through a property loss claim.
13 Jan 2021
Polar vortex could bring extreme cold and snow
Public adjusters from Sill are ready to help you if your experience any type of property damage caused by extreme cold brought in by the polar vortex.
18 Dec 2020
Tornadoes leave path of destruction outside of Tampa, FL
Public adjusters from Sill are in the Tampa area talking with property owners who were impacted by recent tornadoes. Our team can help you if you plan to file an insurance claim.
16 Dec 2020
Extreme snow expected in Pennsylvania's Lehigh Valley
Public adjusters from Sill are ready to help property owners who may be forced to file an insurance claim as a result of the looming Nor'easter.
15 Dec 2020
7 things often overlooked by an insurance adjuster
Public adjusters can help you to find 7 things often overlooked by your insurance company's adjuster. Sill can help if you've experienced any type of loss.
14 Dec 2020
Christmas tree and holiday candle fire safety tips
If you experience a fire this holiday season contact Sill, the leading public adjuster firm in the country. We can help you settle your claim faster.
08 Dec 2020
Tornado damage? Hire Sill public adjusters for help with your claim
Sill public adjusters can help recover from tornado damage. Contact our team today to get help with your property insurance loss claim.
04 Dec 2020
5 things to do right away if your property is damaged
Contact a public adjuster right away if you experience any type of property damage. Sill is the leading public adjusting firm in the country.
30 Nov 2020
Heavy snow may cause a collapse, Sill public adjusters can help
Public adjusters from Sill have the experience you need to handle any type of property insurance loss claim you may need to file after a building collapse.
30 Nov 2020
Tips to prevent ice dams and roof damage during winter
Public adjusters can help property owners who file an insurance claim due to winter weather damage to their property. Get tips about how to prevent ice dams.
20 Nov 2020
Colder weather increases risk of fire
Colder weather means an increase in fire risk. Here's some advice for property owners that may help you to reduce the risk of fire.
17 Nov 2020
Record setting hurricane season is still going, are you prepared?
The 2020 Atlantic Hurricane Season has already set records, but it isn't over. Are you prepared to handle a property insurance loss claim?
11 Nov 2020
Have you suffered a property loss due to a hurricane? Get a 2nd opinion on your insurance claim today.
If you are dealing with a property insurance loss claim you have the right to get a second opinion. Contact Sill for help negotiating your claim today.
09 Nov 2020
Get a second opinion on a property insurance claim from Sill public adjusters
Did you know you can get a second opinion on a property insurance claim from a public adjuster? Sill is the leading public adjusting firm in the country.
07 Nov 2020
Wildfires cause significant property damage in Larimer County, CO
Have you suffered a property insurance loss? Sill's team of public adjusters in our Denver office are there to help and who will be filing a claim.
03 Nov 2020
Sill led one of the largest hurricane loss claims in history
Sill's team of public adjusters has the experience to handle significant property damage claims caused by hurricanes. See how we helped a Florida property owner.
28 Oct 2020
5 ways a public adjuster can help wildfire victims in Colorado
Wildfires have damaged hundreds of homes in Colorado. Our team of public adjusters are there to help now. Contact Sill for help with an insurance claim.
27 Oct 2020
Smoke damage? You still have an insurance loss claim after wildfires
Public adjusters in our Denver office are ready to help property owners who have experience any kind of damage resulting from wildfires in Colorado.
26 Oct 2020
How a public adjuster can help Colorado wildfire victims
Wildfire victims in Colorado are soon going to be dealing with an insurance claim. Sill public adjusters are in Denver, and can help property owners through the process.
26 Oct 2020
Sill welcomes William Mangelluzzi to the team
Sill is pleased to add William Mangelluzzi to our team. Sill is the leading public adjusting firm in the country.
23 Oct 2020
Denver area wildfires lead to evacuations
Sill's public adjuster team in Colorado is there to support anyone who may be impacted by devastating wildfires. Be prepared to contact our team today.
21 Oct 2020
Sill's team helps restaurant owner recover after fire
Sill public adjusters have worked with countless business owners after a loss. Find out how our team supported a restaurant owner in Indianapolis.
19 Oct 2020
5 ways Sill may maximize your insurance claim
Here's 5 ways Sill public adjusters will work to maximize your claim. Our expert team has the experience to guide your through any type of loss claim.
14 Oct 2020
Sill earns repeat business with quality work for our clients
Sill is the leading public adjusting firm in the country, our experts consistently earn repeat business from our clients who have suffered multiple losses.
07 Oct 2020
Sill may be able to help, even months after your property is damaged
In some cases, Sill's public adjusters may be able to help you, even if your property loss happened more than a year ago.
29 Sep 2020
Sill's professional approach helps Pittsburgh dry cleaner after fire
In September of 2019, a devastating fire tore through Leff-Marvin Cleaner. The fire severely damaged the building and left the owner with injuries.
24 Sep 2020
What Sill public adjusters look for in a water damage claim
Property damage comes in all forms and Sill's team of public adjusters has over 90 years of experience handling any type of loss claim.
22 Sep 2020
Bauman Orchards recovers from fire with Sill's support
In February of 2019, a fast-moving fire tore through the barn at the Scenic Ridge Fruit farm in Jeromesville, Ohio.
16 Sep 2020
Hurricane Sally made landfall early Wednesday morning
Hurricane Sally brought strong winds and heavy rains to the northern gulf coast region. Contact Sill for help with any insurance loss claim
09 Sep 2020
Sill helps Diesel Dick's after fire destroyed business in Bloomington, IL
Sill Public Adjusters worked with an auto repair shop in Bloomington, Illinois that was destroyed by fire in October of 2019.
03 Sep 2020
The Federal Metal Company's recovery from fire
Sill Public Adjusters helped The Federal Metal Company in Bedford, OH to recover from a significant fire at their facility.
27 Aug 2020
Hurricane Laura makes landfall as a devastating Category 4 storm
Hurricane Laura is leaving a trail of damage in its wake. Sill Company has an experienced team of public adjusters ready to help with an insurance claim.
26 Aug 2020
3 reasons to contact Sill Company if Hurricane Laura causes property damage to your home or business
Hurricane Laura is set to make landfall in the Gulf region. Contact Sill Company for help with your property damage claim.
04 Jun 2020
Are Damages to Businesses from Riots Covered Under Property Insurance Policies?
Sill shares insights into damages resulting from riots and discussed potential coverage under commercial property insurance policies.