Brandon Stowe, PresidentHowever, claim adjusters appointed by insurance companies operate solely with the insurance company’s best interest at heart. Oftentimes, they capitalize on home or business owners who may be unaware of their coverages and applicable state specific statutes and regulations. They often downplay the scope of damages and cost of repairs, which reduces the insurance payout, ultimately burdening property owners with higher outof- pocket repair expenses.
Consumer advocates and insurance claims experts, Stowe Public Adjustment, is uniquely positioned to protect businesses and homeowners through the claim process and ensure they receive the maximum settlement possible under the terms of their policy. Stowe Public Adjustment levels the playing fields and ensures their clients receive a claim payout that is fair and just. They also protect their clients from the countless pitfalls and tactics employed by insurance companies to diminish payouts.
“We guide clients through the claim journey and ensure they are making the right decisions and avoiding pitfalls that lead to partial or complete denial of their claims,” says Brandon Stowe, president, Stowe Public Adjustment. When home or business owners hire us to handle a first-party insurance claim, we do all the legwork for them, taking the burden off their shoulders and guaranteeing maximum recovery for their loss.”
Combining Expertise with Technology
Specializing in fire-related claims, Stowe Public Adjustment handles everything in-house, from the assessment and estimation of damages to inventory of personal property, ensuring complete control over the claim process and the best outcome possible for the client. Stowe Public Adjustment takes into consideration all contributing factors, including building codes, conditions enforced under law and ordinance by the municipality, and other variables that help clients reconstruct their property.
They utilize innovative software like Xactimate, the gold standard in insurance estimation software, to quantify the amount of loss and streamline the estimation process. The software allows the team to prepare robust estimates of repair, diving deep into the complex construction techniques required to properly restore properties. This combination of technology and expertise simply leads to better outcomes.
Stowe Public Adjustment has specialized teams who are trained to handle every facet of a project, including personal property specialists, business property specialists, certified Xactimate estimators, and loss documentation experts. Their diverse team takes a strategic and systematic approach that begins with meeting clients, listening, and thoroughly reviewing their policy to identify coverage, components like additional inflation protections, and areas that may be excluded under the policy. Gathering all relevant information, Stowe Public Adjustment formulates a strategy for effective presentation of the claim on day one.
Once the client meeting is completed, Stowe Public Adjustment requests an onsite meeting with the insurance company. This in-person meeting is pivotal and allows Stowe to set the expectation and discuss the important details with the insurance company.
We guide clients through the claim journey and ensure they're making the right decisions and avoiding pitfalls that lead to partial or complete denial of their claims
“With compassion, understanding, and willingness to help those in need, we put ourselves in the policyholder's position and drive maximum value for them,” says Stowe.
Delivering Excellence on All Fronts
Though Stowe Public Adjustment’s primary focus is on fire losses, they handle any type of disaster-related claims, including hurricane, tornado, and storm damage. Stowe Public Adjustment actually operated as part of a national hurricane response task force that advocated for policyholders after a catastrophic hurricane hit the gulf coast. Stowe Public Adjustment has also built a network of public adjusters and partners that can be quickly deployed in disaster-affected areas to help policyholders recover from major losses.
In one recent instance, Stowe Public Adjustment helped a business that sustained significant damage due to a wind storm that destroyed their buildings roof. The heavy rains that followed led to water accumulation inside the building and widespread property damage. Quick to get back in business, the owners let the insurance company control the claim. They quickly realized that the settlement offers from the insurance company was much less than the amount needed to restore the property, so they called upon Stowe Public Adjustment. They worked on behalf of the client to negotiate a settlement five times higher than the initially offered amount, substantiating its commitment to excellence and proving their expertise in the field.
Stowe Public Adjustment also offers appraisal and umpire services. During disputes between policyholders and insurance companies regarding repair costs, they can act as an insurance appraiser to expedite settlements and eliminate standoffs with the carrier. As leaders in their industry and trusted experts, other appointed claim appraisers approach Stowe Public Adjustment to serve as an insurance claim umpire and rule on the amount of loss for various appraisals and disputes.
Stowe Public Adjustment evaluates client claims and makes recommendations, as to whether hiring a public adjuster or seeking an appraisal is the right choice. In either case, they can fulfill the need.
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When home or business owners hire us to handle a first-party insurance claim, we do all the legwork for them, taking the burden off their shoulders and guaranteeing maximum recovery for their loss
Building on a Strong foundation for the Future
Stowe Public Adjustment was born out of the desire to assist clients struggling to receive sufficient funds from insurance companies to restore their properties. While working for a company that specializes in reconstructing buildings destroyed by fire, Stowe observed that only clients with public adjusters representation were able to recover the entitled amount. Clients without public adjuster representation were always shortchanged.
Realizing how vital public adjusters are to the process, Brandon Stowe switched careers, and after years of apprenticeship, established Stowe Public Adjustment to drive greater value for policyholders.
A focus on learning and continuous improvement has made Stowe Public Adjustment one of the most respected industry professionals in the space. The company’s diverse team, comprising of experts with contrasting backgrounds and experiences, brings tremendous value to clients. They remain dedicated to improvement through ongoing education and active participation in regional and national conferences, and maintaining close connections with fellow public adjusters and professionals in the insurance industry nationwide. This helps them better understand industry trends, modern technologies, and changing policy languages, and, in turn, help clients with their complex claims.
With mastery in the art of negotiation, Stowe constantly pushes everyone to do better than yesterday and drives its vision to be the best public adjuster firm in the market.
