Commercial & Residential
Insurance Claims Adjusters

All claims are different and steps may vary depending on your insurance company's determinations. Here is the typical process:

• Site Assessment — Our adjuster meets with you at your property to inspect and assess all damages.
• Representation Agreement — Once you sign the retainer, we handle all matters of your claim and speak directly with your insurer.
• Reporting — We report your claim to your Insurance Company with full documentation.
• Joint Evaluation — Our adjuster and the insurance field adjuster meet at your property. Both create independent estimates from this inspection.
• Initial Determination — Your insurer has up to 90 days by law to respond. We then negotiate aggressively based on their determination.

If your insurance company has not made a fair determination — including determining your claim to be below deductible — we can represent you. You may hire our company at any point during your claims process with no time restrictions.

Once retained, our expert loss consultant will visit your property to evaluate your claim, review your policy and existing claim documents, and explain the best approach to obtain the most favorable outcome.

We create an expert dwelling estimate based on all construction material and labor comparables — this becomes the foundation for all negotiations with your insurer.

A denied claim is not the end. The next step is to sign an attorney's retainer to proceed legally with the process of obtaining the full amount needed to make repairs.

We work hand in hand with your attorney — preparing our estimate which forms the basis of the litigation. Omni documents the claim with pictures and engineering reports. The attorneys handle the legal proceedings.

Our ultimate goal is to negotiate your file until you are properly compensated for the damages to your property.

A "below deductible" determination means the insurer's estimate is either less than your policy deductible or totals $0.00 after the deductible is applied.

Importantly, this determination means your Insurance Company did find damages and is assuming responsibility. The next step is to provide the carrier with our expert estimate — your insurer will review it to re-evaluate their initial determination for a possible supplement payment.