FAQ/TIPS

Frequently Asked Questions

Let’s keep it simple: when you purchase insurance, you are purchasing coverage in the case that you incur a loss to your property. But when you go to file a claim, the coverage that you actually receive is at the mercy of the interpretations of one of the insurance company’s own adjusters, who are ultimately employed to serve the best interests of… you guessed it, the insurance company. Pretty shady when you remember that insurance companies make their profits from your premiums—not from paying out claims.

So basically it’s like having your arresting police officer as your defense council. (Yikes.)

Remember: like lawyers or accountants, when it comes to adjusters, the ones who aren’t working for you, aren’t working for you!

Licensed by state insurance departments, public adjusters like Moore Adjusters provide private representation and protection to consumers undergoing a loss. We work completely on your behalf, ensuring you receive fair payment and remediation, even if it hurts your insurance company’s bottom line.

Public adjusting firms are often interested in taking on construction, repairs and remediation of your damaged property, so that they get their cake and eat it too. Often they are contractors in disguise, who use their Pubic Adjuster title to get their service offerings in your door. They swindle you into signing a dangerous proceeds contract, which essentially forfeits all of your rights to your claim and funds.

Other companies are simply in it to make a fast buck. They get your business by offering unrealistically low rates (2/3/4%) when you are at your most vulnerable, and have terms forbid relationship termination past 72 hours in. Thereafter, they become hard to reach until there is a settlement, which, speaking of, is normally the insurance carrier’s first offer. Of course none of this should be shocking; with such a small fee, they have no time left to negotiate, or funds to hire experts to argue on your behalf. 

For nearly 30 years, Moore Adjusters’ only interest has been making sure you recover your losses. Period. Whether your property is commercial or residential, we NEVER solicit or “chase” after hours. We simply hold your hand from the beginning to end and work tirelessly until you get Moore of everything—not less.

In both New York and New Jersey, we charge respective 10% and 15% fees, which are negotiable when the losses are large; the bigger the loss, the less our fee. After all, our main interest is making sure the insured is made whole.

There is no universal timeline. Losses can take from two months to two years to settle depending on size, coverage, complexity, insurance company claims practices and beyond. That being said, Moore does everything possible to help push things forward quickly and beneficially.

Yes, please do! MANY clients call us to review their insurance policy before binding to ensure they carry ample coverage for their building, stock, development project, home, contents, jewelry, business income, rent loss, etc. Please note: we only charge for services that come after a loss happens.

What To Do & Not To Do In Emergencies

DO’S

  1. If you sustain a fire or theft: call the fire department and or police department immediately!
  2. Take as many photos and videos as possible while maintaining safety.
  3. Do the best you can to protect your property from further damage.
  4. Find a safe place for housing, get some rest and don’t make rash decisions. Think in the morning!
  5. Call Moore Adjusters with your full insurance policy at hand.
  6. Allow Moore Adjusters to report your claim promptly, and guide you on next steps.

DONTS

  1. Do not hire or talk to any solicitors, especially after hours. They do not have your best interest at heart! Not to mention: after hours solicitation is illegal; you can be held responsible for any illegal activity on your claim. Be aware of solicitors posing as city officials or your insurance company.
  2. Do not let anyone clean up or do anything without talking to Moore Adjusters (or, at the very least, to your insurance company).
  3. Do not hire anyone under pressure or duress.
  4. Do not let anyone help you for a fee so cheap it seems too good to be true. It’s likely a trap. 
  5. Do not share your insurance information with unreputable parties. 
  6. Do not believe that your insurance agent will be your hero. Their loyalty lies within—and not to you.