Welcome to Adjusters International
Founded in 1985, Adjusters International (AI) is a national leader in public insurance adjusting. We are proud to have more senior and certified public adjusters than any other organization of our kind. AI works exclusively for the policyholder to ensure maximum results from first-party property insurance and FEMA disaster recovery claims. Our singular focus is our clients' financial recovery in the aftermath of a devastating property loss.
Adjusters International has the experience, expertise, and resources to thoroughly investigate your loss; accurately prepare, document and submit your claim; and get a full, fair and timely settlement.
Our regional offices are located in:
Patrick W. Bickford, SPPA
President & CEO of AI-Colorado, Inc., a Founder and Director of AI, and a public adjuster with more than 35 years of experience in commercial & government property loss adjustment.
Jim Beneke, SPPA
A founding member of Adjusters International and third-generation public adjuster with 36 years of experience, primarily in commercial & multi-family property insurance claims.
Regional Director with 20 years of experience beginning in the construction industry and currently as a public adjuster.
Chief Operating Officer of AI-Colorado, Inc. with more than 12 years of experience as a public adjuster.
New E-Edition of Adjusting Today, Just Released
The latest E-Edition of Adjusting Today “Cosmetic Damage Exclusion Stirs Controversy” is now available! Penned by veteran claims professional and respected author Robert J. Prahl, CPCU, this edition ...
The latest E-Edition of Adjusting Today “Cosmetic Damage Exclusion Stirs Controversy” is now available! Penned by veteran claims professional and respected author Robert J. Prahl, CPCU, this edition along with its companion article, “Actual Cash Value for Roof Surfacing,” discusses the timely topic of cosmetic damage exclusions in homeowner and commercial property insurance policies. This matter is still unfolding, and time will tell whether such endorsements become standard or merely optional and used infrequently.
Your comments about this article, topic suggestions and continued feedback are always appreciated. Subscriptions to Adjusting Today are available in hardcopy format, electronic format, or both. Thank you for your readership.
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Suffered damage to your home? Tips to help inventory your possessions.
When a disaster strikes your home, there is little time to waste before you start the recovery process. Before you can file your insurance claim, you must fully ...
When a disaster strikes your home, there is little time to waste before you start the recovery process. Before you can file your insurance claim, you must fully document and inventory all of your damaged belongings. Very few people have ever prepared a current inventory list, or videotaped their belongings, before a loss. And, as result, they are left to rely on memory. In this case, there are several things you can do to help track your personal belongings and prove to your insurance company that the claimed items were purchased, owned and lost/stolen/damaged:
- Track down any saved receipts and electronic receipts, cancelled checks, as well as bank and credit card statements
- This will be helpful in proving to the insurance provider that the items claimed were rightfully purchased and the date purchased to help assess the quality of the item.
- Look through photographs and videos taken in your home
- Gather old photographs or home videos of your home, and ask friends and relatives to as well. Look for items in the background of these images to help complete your catalog.
- Seek out owner’s manuals and product accessories
- Owner’s manuals and accessories may help to jog your memory — especially of electronic equipment and major appliances. This can also help with proof of purchase.
- Make a list of the items you clearly remember owning
- Make a list from memory of anything and everything that was in the house when it was damaged.
- Check manufacturers’ websites
- Get estimates off of manufacturers’ websites to see if they can help determine retail value of a comparable item.
- Hire a professional inventory specialist
- These specialists are experienced with sifting through damaged items after a fire, and know the right questions to ask and the right things to look for in putting together a more complete home inventory.
As the old saying goes, “Hindsight is always 20/20.” While the best thing to do is to prepare beforehand, making sure to keep a home inventory that is up-to-date, rarely does the average homeowner know to prepare for the worst. Relying on memory only to recreate a comprehensive list of belongings greatly lowers the chance that you will collect your full insurance benefits. But, by following the recommendations above and considering enlisting the assistance of a professional, you may increase your chances of getting a more equitable settlement.
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