Take the Help of a Public Insurance Adjuster to Claim Compensation against an Insurance Policy

The idea of insurance is to protect you from any losses that may be the result of a disaster like, a flood, a fire, theft, accident or any other unforeseen event that has damaged your property and left you with a need to repair and restore your property. Once owners of properties have dealt with the initial shock they start taking stock of the damage and what is required to take the property back to its original state. This is when they start looking at their insurance policies and look for making claims against them.

Public Insurance AdjusterOnce such claims are submitted to an insurance company they will send in their adjusters to make a detailed evaluation of the damage and decide on the insurance company’s liability to settle such claims. That is the reason if such claims are prepared by public insurance adjusters; they have a better chance of being allowed. Public insurance adjusters are professionals who are trained in such matters and have to be appointed by the policy holder or claimant of the insurance. They will evaluate the loss or damage that has occurred, and keep the interest of the policy holder in mind when they make out the claim. They will also examine the policy in detail and ensure that any claim that they make, follows all the clauses in it, so that claims are not rejected on technical or legal grounds.

Insurance companies are inclined to give more weight to claims prepared by insurance claim adjusters, as they will know that a thorough study has been made of the policy and that any damages reported are verifiable and claims made in a way that gives the right value to them. In most such cases, insurance companies will ask for negotiations with the policy holders claim adjuster, so that an agreeable compensation can be arrived at.

Public insurance adjusters are experienced in dealing with situations that occasion the preference of claims, and can take away a lot of stress from the policy holder who can take time to come to terms with the event that has caused the loss or damage for which claims are being preferred. Most insurance adjusters ask for a percentage of the claims amount as their fees, and this gives them a vested interest in getting the best settlement for their clients. They must be hired as soon as the loss or damage has occurred, as most insurance policies contain clauses that require claims to be preferred within definite time schedules.

Adjuster Licensing & Training

The use of stained decorative concrete can serve as an aesthetic enhancement to floors and walkways of a property, whether it be a residence or a business property. The transformation of concrete into decorative areas is done through various means while the concrete is being poured or after the concrete sets, cures, and dries.

Techniques such as stamping, staining with acids, overlays, polishing and other techniques can be used to alter the appearance of the concrete products being applied to surfaces.

Stained Decorative ConcreteThe process of stamping concrete adds colors and textures to the mix to make the concrete resemble bricks, paving stones, or any other type of surface typically found in nature. The final effect is achieved by pressing molds into the concrete before it sets, and colors are made by adding powders and acid stains. Stamped concrete can be used on floors, walkways, patios, parking lots and commercial roads.

Concrete dyes are used in the process of making stained decorative concrete by using printing inks that are dissolved in different solutions of alcohol that is then applied to the concrete surfaces. These types of dye applications give a vibrant, clear color, but are best utilized in applications that are not going to be exposed to direct sunlight.

Acid staining invokes a chemical reaction as opposed to a staining overlay. A mixture of mineral salts, water, and a small amount of muratic acid is applied to the surface of the concrete.

The chemical process takes up to four hours to complete and leaves an impression of earth tones on the surface of the concrete. Each treatment is unique, as the acid will stain the surface differently with each application. Other acids used in this process are Sodium bicarbonate, Iron chloride, and Hydrochloric acid.

A process called water based staining can also be used, but with a different effect than acid staining. Instead of actually changing the physical surface of the concrete, as acid staining does, water based staining act more as a coating that actually bonds with the concrete, using acrylic, polymer and epoxy based variations.

Concrete overlays have come into popularity as well as they can be added to the cement either on a thin or thick basis without having to worry about product failure or delamination. Overlays are much more resistant to salt, so they are more readily used for roadways that might be treated in the winter.

The usage of stained decorative concrete has gained a good deal of popularity in recent years due to the variety of styles and the durability of the product itself.