You have a property insurance claim for damage to your business or home in Wisconsin.
Fire, tornado, wind storm, hail, explosion, vandalism, burst pipe or some other calamity has done damage to your business property or residence.
The terms of your insurance policy entitle you to certain benefits, but…
…page upon page of exclusions and limitations limit your ability to collect on your claim when you need every cent of your coverage to get your life back to normal, fast.
Navigating through the policy exclusions and limitations is difficult and full of land mines. Getting the approval to repair or replace takes significant time (and ultimately may cost significantly more than you anticipate). Will your insurance company cover that cost? How long will the insurance company delay before it approves the re-build? Where will you get cash flow during that time?
You believe your insurer has your best interests at heart. The insurer doesn’t.
The initial call to your agent will not do anything to assure you will get the maximum to which you are entitled. Insurance companies are for-profit businesses run for the benefit of their shareholders. The agent’s call to the insurer merely starts a chain of events designed to attempt to limit the insurer’s monetary exposure.
If claim recovery is what most concerns you, your insurer and its agent/broker are not the best alternatives in Wisconsin for helping you get the most due from your claim.
CONFLICT 1 The primary goal of an insurance company is returning profits to its shareholders. One way that is accomplished is by minimizing claim payments . . . to you and thousands of others.
CONFLICT 2 Insurance agents are in the business of selling policies, not adjusting claims. They do not build or re-build buildings, they are not expert at pricing lost contents and they are not forensic accountants able to calculate your lost income.
Forget repair contractors in any regard.
CONFLICT 3 Repair contractors, sometimes called restoration contractors, are prohibited by law in Wisconsin from assisting in the adjustment of a policyholder’s insurance claim. Beware the repair contractor who says they can negotiate your insurance claim for you and beware the insurance adjuster who says they also can do the repair work.
You have the power to take control of the claims process and get the maximum due. Don’t get short-changed.
When you incur a loss, either one of two scenarios can play out: Either 1) you can allow the insurance company to control your claims process, or 2) you can control your claims process by hiring your own professional advocate–a public insurance claims adjuster.
Public adjusters’ sole purpose is to provide representation of insured policyholders which serves to eradicate the conflicts of interests as well as balance the scales of adjustment between you and your insurance company.
The public insurance claims adjuster you hire (not an adjuster the insurance company assigns) provides the policyholder the power to professionally calculate and present to the insurance company the amount of damage incurred and the recovery due per the policy language.
The likelihood of receiving the maximum payout possible per the policy terms is rendered nearly impossible when leaving the calculation of damage responsibility up to the insurance company, its own agents and own adjusters as well as company employed estimators, accountants and attorneys. (It would be like permitting the IRS to calculate your tax bill!)
Furthermore, you have the power to gain control over the claims process when choosing the public insurance adjuster that is best qualified to represent your interests.
That freedom of choice has no up-front cost, but may have a significant upside reward.
Get More Easier, Faster.
Reaching out to Sill, a leading Wisconsin public insurance claims adjuster, is the most important second call you can make.
The Alex N. Sill Company is among the largest and longest practicing public insurance claims adjusters in Wisconsin. We specialize, since 1928, in reducing the amount of time, effort and aggravation policyholders endure filing claims and fighting with the insurance companies. Sill makes it easier and will get you more, faster.
Our company of loss consultants and appraisers have nearly 90 years of experience working in unison to eliminate the gap – the difference between an insurance company’s damage appraisal estimate and what is rightfully owed per the terms of the policy.
Start here to get “More, Easier, Faster.”
The Sill process is thorough and effective.
Sill combines personal local support with the power of its internationally acclaimed resources able to go toe-to-toe with the biggest of insurers.
The Sill team takes sole and complete responsibility from the moment a loss occurs, marshaling its comprehensive resources to seamlessly help clients get their business and personal lives back to normal.
The company can have its team of experts on-site within 24 hours (and usually sooner) to begin all aspects of the claims process and work towards a final payout in the shortest amount of time.
All efforts are thus focused on a successful disaster recovery, the cost of which is usually absorbed as a direct result of our involvement.
Get the max. Get Sill.
You can hire a public insurance claims adjuster at any time . . . before and even after the visit from an insurer’s adjuster.
However, engaging a public insurance claims adjuster immediately following a disaster and prior to your first meeting with your insurance company is most beneficial. The actions immediately following the disastrous “event” including framing the scope of the loss with the insurance company, documenting the damage and beginning the negotiation process with the insurer are critical to determining the final maximum settlement.
Sill can make the entire, otherwise stressful, claims process for you as easy as possible.
The road to rebuilding and recovery in Wisconsin begins with Sill. Start your insurance claim adjustment process here. Contact one of our pros for a no-cost assessment. Explain your situation and attach one or more photos of the damage (if possible) and we will get back to you the same day.
Our permanent staff of in-house professionals, each an expert within their respective fields, will take responsibility for total management of the multitude of steps in the claims process.
Thousands of businesses and public entities as well as homeowners have greatly benefited from having Sill at their side. The time is now to make a move for the max.
POLICYHOLDER RIGHTS IN WISCONSIN
The Wisconsin Unfair Claims Settlement Practices Act establishes and regulates the business practices of insurers. Section 6.11 of the Wisconsin legislative codes contends with the regulation of insurance claims practices. Subdivision 3a of that section specifically provides rules to “promote the fair and equitable treatment of policyholders, claimants and insurers by defining certain claim adjustment practices which are considered to be unfair methods and practices in the business of insurance.” Therein, the statutes articulate the standards for fair settlement offers and agreements and details the acts by an insurer which are considered unfair settlement practices.
When filing and seeking to satisfy claims, insureds need to be particularly aware of the specific provisions insurance companies are bound from taking advantage of consumers. Conversely, each is a reason for a policyholder to retain their own public insurance claim adjuster.
Following are several of the key Wisconsin regulations which prohibit insurers from:
- Failure to promptly acknowledge pertinent communications with respect to claims arising under insurance policies;
- Failure to initiate and conclude a claims investigation with all reasonable dispatch;
- Failure to promptly provide necessary claims forms, instructions and reasonable assistance to insureds and claimants under its insurance policies;
- Failure to attempt in good faith to effectuate fair and equitable settlement of claims submitted in which liability has become reasonably clear;
- Failure upon request of a claimant, to promptly provide a reasonable explanation of the basis in the policy contract or applicable law for denial of a claim or for the offer of a compromise settlement;
- Knowingly misrepresenting to claimants pertinent facts or policy provisions relating to coverages involved;
- Failure to affirm or deny coverage of claims within a reasonable time after proof of loss has been completed;
- Failure to settle a claim under one portion of the policy coverage in order to influence a settlement under another portion of the policy coverage;
- Compelling insureds and claimants to institute suits to recover amounts due under its policies by offering substantially less than the amounts ultimately recovered in suits brought by them;
- Refusing payment of claims solely on the basis of the insured’s request to do so without making an independent evaluation of the insured’s liability based upon all available information; and
- Adopting or making known to insureds or claimants a policy of appealing from arbitration awards in favor of insureds or claimants for the purpose of compelling them to accept settlements or compromises less than the amount awarded in arbitration.
Sill’s Inside Scoop
The Sill process for optimizing the financial return from your insurance policy is built upon the combination of the company’s trusted process with in-depth, in-house insurance industry expertise. Many of our team members are veteran industry professionals with first-hand experience in the employ of insurance companies before joining Sill. Their valuable insight into insurance company practices is of great advantage when preparing damage valuations and ultimately to obtaining the maximum benefit possible for the policy holder.
Alex N. Sill Company responds to businesses and homeowners throughout Wisconsin who seek the maximum payout on their property/casualty claims.
Some of the many cities where our claims adjusters assure maximum insurance recovery for policyholders include:
Milwaukee, Madison, Green Bay, Kenosha, Racine, Appleton, Waukesha, Oshkosh, Eau Claire, Janesville, West Allis, La Crosse, Sheboygan, Wauwatosa, Fond du Lac, New Berlin, Wausau, Brookfield, Beloit, Greenfield, Menomonee Falls, Manitowoc, West Bend, Sun Prairie, Superior, Stevens Point, Neenah, Wisconsin Rapids, Beaver Dam, Hayward, Oconomowoc, Whitewater, Waupaca and Chippewa Falls.
Many of the damage claims that Alex N. Sill handles from such disasters as fires, storms and flooding typically come from the largest counties in Wisconsin, including:
Milwaukee County, Dane County, Waukesha County, Brown County, Racine County, Outagamie County, Winnebago County, Kenosha County, Rock County, Marathon County, Washington County, Sheboygan County, La Crosse County, Walworth County, Fond du Lac County, Eau Claire County, Dodge County, Ozaukee County, St. Croix County, Jefferson County, Manitowoc County, Wood County, Portage County, Chippewa County, Sauk County, Columbia County, Waupaca County, Grant County, Calumet County, Barron County, Monroe County, Polk County, Douglas County, Dunn County, Shawano County, Sawyer County and Marinette County.