How We Manage Every Stage of Your Claim

When you hire us, you gain a partner who manages every detail from start to finish. We combine deep policy knowledge, thorough documentation, and persistent negotiation to protect your interests and maximize your recovery. Each step we take is designed to move your claim forward while removing stress from your shoulders.

Review Your Policy and Documents

Every claim begins with understanding your insurance policy. We examine your coverage, exclusions, endorsements, and limits in detail to set clear expectations. This proactive review lets us identify potential challenges before they become obstacles.

File or Reopen Your Claim

Whether you are starting a brand new claim or reopening an underpaid or denied one, we handle the filings, forms, and communications with your carrier. Our familiarity with carrier and policy procedures helps prevent mistakes that can delay or impact your settlement.

Establish and Manage Communications

We manage all correspondence with your insurance company. This includes submitting documentation, answering requests, following up for updates, and keeping the process moving. You avoid repeated calls, unanswered emails, and inconsistent information.

Inspect the Property

Our on-site inspection is thorough and methodical. We document visible and hidden damage with photographs, measurements, moisture readings, and advanced tools like drones or 3D imaging when needed. This comprehensive data helps build a strong foundation for your claim.

Produce a Detailed Estimate

Using industry-standard estimating software and current pricing data, we create a complete, line-by-line estimate of repairs or replacements. This accurate and well-supported estimate strengthens your claim and ensures every loss is captured.

Submit Documentation

Timely, complete documentation is critical. We prepare and submit all required forms, reports, and supporting evidence to your carrier, ensuring deadlines are met and the file is fully documented.

Negotiate on Your Behalf

Once the insurance company reviews the claim, we lead the negotiation process. Our goal is to secure a settlement that reflects the full scope of the damage and the true cost of restoration to bring you back to pre-loss condition. We challenge low offers, address discrepancies, and present evidence to support higher payments when necessary.

Secure Payment

We track your claim through to final resolution, verifying that payments are issued promptly and correctly. If additional steps such as mortgage endorsements are required, we guide you through them to help you receive your funds as quickly as possible.

Experience the VIP Difference

Licensed, Bonded, and Insured
At VIP Adjusting, we represent you, the policyholder, from start to finish on your property damage insurance claim. Because we are licensed, bonded, and insured public adjusters, you can trust that we operate to the highest professional standards. Our experience levels the playing field with your insurance company, protecting your rights and helping you receive the full benefits available under your policy.

Technology Driven Documentation
We use advanced claim documentation tools such as Matterport 3D scans, aerial drone imagery, and moisture mapping to capture the full scope of your property damage. These technologies create clear, verifiable evidence of loss, strengthening your insurance claim and speeding up the approval process.

Local Knowledge with Regional Reach
With offices across Florida and South Carolina, our public adjusters understand local carriers, contractors, and building conditions. This combination of local expertise and regional resources allows us to advocate effectively on your behalf and navigate the unique challenges of each market.

Clear Communication and Support
You will always know where your claim stands. We keep you informed, answer questions promptly, and provide clear explanations at every step of the process. This ongoing communication gives you peace of mind and confidence that your insurance claim is being handled properly from start to finish.