You’ve suffered a severe loss and now face the difficult and time consuming task of proving financial damages to your insurance company who has (or will) assign an adjuster to handle your loss. If an insurance company representative instructed you to “Don’t talk to contractors, restoration services companies or public adjusters”, then you can be certain that your insurance company has a vested interest and wants control of your loss using their own protocols.
Would you go to court without an attorney? Would you go to an IRS audit without a Certified Public Accountant? Then why would anyone ever give control to a company that both writes and interprets its own contract? Does it make any sense for a company holding the check book to pay out on its own contract without having any checks and balances? As the policyholder, you have the opportunity and right to hire professionals to represent your interests before one of the most powerful financial institutions in the nation.
Concordia Claims Managers (CCM), licensed by the California Department of Insurance, are leaders in the complicated world of insurance claims management. Our firm offers a full spectrum of services to the policyholder. We specialize in the determination, measurement, preparation, presentation and agreement of insured losses to buildings, dwellings, business and personal property. We are dedicated to helping the insured obtain the most favorable settlement possible from their insurance company. With our vast resources, broad range of services and our network of experts, you will receive everything to which you are entitled from the insurance contract with your carrier.
We do all this by way of what we call “The Concordia Difference”. These are the things that distinguish our firm from other public adjusting companies. They include services only Concordia Claims Managers provides, as well as things we do differently from our competitors… like our 21-Point Foremost Assurance. Immediately after your loss you were approached by numerous solicitors from various companies, all asking you to hire them for their individual expertise. Many of these solicitors are very good salespeople, saying almost anything you wanted to hear, all in an effort to gain your signature on their contract. Concordia Claims Managers refuses to do that. We're the only Public Adjusting Company or vendor that places (in writing), our commitment to ALL of the many services we offer. Other competitors provide only a verbal promise that they can provide the same services as we do. But a closer look reveals that they simply don’t have the same programs in place. This essential difference is the reason that Concordia Claims Managers has the most comprehensive client recovery program in California.
We start by maintaining a 24/7 hotline for our clients. And while you may not need us at all hours of the day, your need for an answer resonates with our company. This is a most trying time in your life and the focus should be on the recovery of your “normal” life; we want you to resume that as soon as possible. After-hours and early morning calls are routine for us. We'll take your call at any time. Your accessibility to your Sr. Claims Manager is critical and our commitment is there as well.
When you hire us to represent your claim, your Concordia Claims Manager will invite you to our offices for a Client Orientation.
If that’s not convenient for you, we’ll conduct this orientation at a location of your choice, but we would like you to visit our offices and meet the staff who will support you behind the scenes. During this meeting we'll thoroughly explain the claims process: how the Department of Insurance describes it and how it actually works. We’ll explain all the players for both the insurance company and for those you would like to retain and work for you. As in any game, there must be someone who calls the plays – that’s the role of Concordia Claims Managers. We outline your game plan, detailing what do and how we do it on your behalf. If there are coverage issues we'll disclose our plan for protecting your rights within the policy language.
Acting as coach you, the insured, own and run the team. However, actual execution on the field is fluid since conditions can drastically change in a very short time. Managing the field is our role. We begin this role by reviewing any and all contracts that you may have already signed or are about to sign. Although we are NOT legal advisors we’re looking for language that could hold you hostage or cost you money at the end of your recovery process; money which your insurance company may refuse to pay, resulting in out of pocket expenses for you. We end our orientation meeting by equipping our clients with a personalized Client Recovery Kit. This kit will keep you organized throughout your recovery and should be brought to every meeting with your Sr. Claims Manager. Use it as a reference guide, a receipt organizer, communications storage unit, business card holder…it’s your one-in-all place to go to for everything regarding your claim. When you have a winning idea other competitors will copy it. Imitation is the sincerest form of flattery, and even our competitors have recognized the need for a detailed organizational kit... just like the one we’ve developed.
Some companies write their own scope of repairs, just as Concordia Claims Managers does.
However, none of them conduct a systematic review process in which peer review is mandatory before any scope can be submitted to the insurance company. Concordia Claims Managers reviews our proprietary process THREE times before we declare our work product accurate and correct.
Most of our competitors outsource their scopes, primarily to contractors, either because they lack the expertise or because they’re simply unwilling to do the work. They rely on supplements to the scope that are discovered later during the rebuild phase and utilize this practice to underbid and gain control of the loss. This practice takes the control of a crucial document out of their hands, rendering them dependent upon others to do their work and increasing the likelihood of lack of detail or delays.
Many vendors will tell you that they can perform “Total Loss Inventories”. You’ll hear this from public adjusters, restoration companies and even some contractors. There is NO COMPARISON to Concordia Claims Managers when it comes to this task. We’ve been nationally recognized by one of the leading first-party claims attorneys in the country – Chip Merlin, Esq., who said: “If you are not doing total loss contents inventories like Concordia Claims Mangers then you are leaving money on the table.” Our exclusive method for completing your total loss inventories leaves no stone unturned… and only Concordia does it.
We never outsource these responsibilities (as most of our competitors do in order to minimize their costs). Concordia employs our own trained staff to complete all of our client inventories, which must meet our exacting standards.
To our knowledge we are the only public adjusting firm employing our own Asbestos Certified staff capable of completing inventories within an asbestos contaminated environment.
A Personal Property Inventory begins with meticulous sifting and sorting, even using metal detectors to uncover our clients’ personal istproperty.
We then take individual photographs, as each item is placed on one of our branded “sto