YES! We service all of the United States of America. Our headquarters are located in Orange Beach, AL. If you have a claim, we can help you in some capacity, no matter where you are.

ATA Loss Consulting can represent policyholders on almost any type of property damage claim, including Commercial and Residential. Leaks Roof Damage Catastrophes & Storms Flooding Water Damage Fallen Trees & Limbs Commercial Damage Mold Damage Hail Fire Hurricane Tsunami Typhoon Tornado Plumbing Leaks/Busted Pipes Ice/Snow Collapse Sink Hole Earthquake Vandalism Theft Typical claims associated with accidents and “Acts of God”, etc.. Loss of Business Revenue (Business Interruption) Additional living expenses, due to claim displacement Personal Property/Contents Other Structures (garages, sheds, pools, fences, etc.) Terrorism [when coverage applies]

Whether you’re living in the aftermath of a catastrophic hurricane, dealing with water damage, or sifting through the remains of a house fire, submitting a property damage claim can be incredibly stressful. ATA Loss Consulting has increased property damage claim settlements over 700% Can you afford not to use an expert to represent you?

One of the benefits of using ATA Loss Consulting is that our payment comes as a small percentage of what your insurance company will be paying. While our services aren’t exactly free, they come at no upfront or out-of-pocket cost to you. We don’t get paid until you get paid. Our fees are regulated by the state and will generally be a small percentage of the maximum settlement we helped you receive from your insurance company. We do not take fees out of the settlement money you have already received. ATA Loss Consulting has increased property damage claim settlements over 700% Can you afford not to use an expert public adjuster to represent you? What do you have to lose?

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Unfortunately, a common mistake made by homeowners is trying to assess the damages themselves and failing to take into account the full scope of repairs. Homeowners historically undervalue the severity of damages. The only way to appropriately answer this question is to contact ATA for a free policy review and analysis of the damage to your property. Before you file your insurance claim, You need to contact us first because there are a lot of things you might say accidentally to your insurance company that can cause your claim to be denied. We can help you to avoid many mistakes. If you are involved in a catastrophe or natural disaster, when many people are impacted, ATA may direct you to go ahead and call the claim in. That can be an easy form online or automated call that won’t prompt the usual interrogation, from them.

Policies are intentionally drafted vaguely, leaving them open to interpretation by your insurance company – most often in their favor. Not many people take the time to read and understand their entire insurance policy. Insurance policies, just like all legal documents, should be reviewed only by attorneys and experts trained in property insurance policies. The policy is the roadmap that dictates how and how much a claim may be settled for. Suppose you are not an expert in property policies. In that case, it is almost certain that you will badly compromise your claim by failing to recognize coverages that exist or by failing to convince an insurance adjuster, who has been hired by the carrier to represent its interests, as to your interpretation of the policy. Furthermore, it will be nearly impossible for you to meet your burden of proof of damages without a detailed, line by line itemization of damages to your building, contents, or business loss. To properly document an insurance claim and present it to the insurance company is a time consuming and emotional ordeal. After a loss, your whole life can be turned upside down. We will allow you to pursue your livelihood while we deal with the insurance company and prepare the claim for you. A property manager is not an insurance adjuster and does not have the expertise in claim documentation, thus without a policy expert on your side, you are almost certain to compromise your claim potential and not have your settlement and coverage interpretation in your best interest. You don’t want to accept a settlement that falls short of restoring the loss’s full amount.

YES! Contact ATA, and we can arrange a no-obligation meeting with you at the loss site to review your unique situation and the issues involved. Each loss is different and requires a hands-on approach to develop a plan for your recovery.

Most companies allow you three years to report a claim from the date that the loss occurred, each policy can be different. Each insurance company has provisions in their contracts for late reporting of claims that may make filing claims on older losses difficult.

YES! We help people like you everyday who feel that their insurance claim has been unfairly denied. First, we have to inspect the damages and review your policy to make sure your claim is covered. It’s easy and free and there’s no obligation. If you have a legitimate basis for additional claim damages documented with the help of ATA, insurance companies often will make a good-faith attempt to resolve any outstanding differences.

Insurance adjusters are employed by insurance companies, and their loyalty is only to the insurance company. Insurance company profits come from policy premiums minus any money they pay out for claims. Adjusters working for insurance companies are trained to pay as little as possible for claims.

An insurance company may not cancel your policy simply because you filed a property damage claim. If you have had an insurance policy for more than 90 days, and you have made timely payments, your policy can only be cancelled for very specific reasons. However, it is possible that you will face a non-renewal after filing a claim. The Insurance company can decide to drop you at any point in time, for any reason, besides personal discrimination (race, age, sexual orientation, etc.). Your rate can go up or they can drop you because they see you as a “high risk” customer. If you accidentally leave your iron on and it burns your house down, they can drop you due to “negligence”. Hiring a ATA does not change this for the better or worse. If your home is destroyed by an “act of God”, like a hurricane, then it’s not likely that they will drop you or raise your rate. On the up side, if you have wind damage and your entire roof is replaced, you should be able to negotiate a lower rate because you’re less likely to experience leaks and other claimable damages.

The Insurance company is made up of a multitude of people. While there is definitely some friction between ATA Loss Consultants and Insurance companies in general, most of the negative emotions will be expressed towards us from people in the corporate office during settlement discussions, and you won’t have to hear about it. We are professionals and we don’t take it personally. Your Insurance Agent (the person who sold you your policy) most likely will have no dealings with your claim whatsoever, so there should be no hard feelings. As a matter of fact, a lot of agents refer their clients to us, because they can’t legally represent the policyholder and they want to keep their clients happy.

A lot of the time Insurance Agents aren’t even notified of a claim, unless you, the policyholder call them and tell them. Insurance Agents are actually some of our best associates. Agents can’t legally represent their policyholders, so they often refer their customers to us, because there is nothing they can do when the insurance company isn’t paying enough and their customer is upset.

No. Insurance companies will likely try to dissuade you from using a claim representative. Remember, their goal is to pay out as little as is allowed by your policy. Based on our years of experience, we know that meeting with your insurance company without the representation of ATA on your side can be confusing and could result in a denied or underpaid claim.

YES! It is a good idea to mitigate the damage, but please take pictures or video before making repairs. Please call ATA before though, to make sure that you aren’t doing anything that will hinder your claim. Also, remember to keep all receipts for supplies and repairs, for reimbursement purposes.

Please call ATA to discuss hiring a contractor. Storm chasing contractors can be wonderful, helping to quickly deal with massive amounts of damage during a catastrophe, but they can also be scam artist who do shabby work and move out of town quickly. Give us a call and we can help decipher if they’re reputable or not.

If you find additional damage after the settlement or during the repair process, you can “reopen” the claim and file for an additional amount. Any additional unknown damage must be properly documented and presented to the insurance company. Most policies require claims to be filed within one or two years from the date of the disaster, we can complete a free policy review to determine your deadline.

ATA Loss Consulting will assist by assessing and creating an accurate content schedule with your damaged property’s valuation and documentation in a format that conforms to your policy language. Yes, as the insured, you are required under the insurance policy to conform to the “Your Duties After A Loss” provision contained in your policy. In short, it is your duty to provide detailed documentation of your loss. We will assist by assessing and creating an accurate content schedule with your damaged property’s valuation and documentation in a format that conforms to your policy language. Unique damaged contents may require the expertise of a content specialist in this field, which we can arrange.

After a thorough inspection, possibly several inspections with contractors and experts as necessary, ATA completes a comprehensive estimate in the software used by your insurance carrier for compatibility and clarity.

Our job is to ensure our clients receive a fair and accurate settlement for damages sustained by a covered loss. For example; If a fire breaks out in the kitchen, it sends smoke throughout the building, including a/c ductwork. Can the ductwork be cleaned of the smoke to ensure the insured does not suffer ill health effects months later because the ductwork wasn’t properly decontaminated? Depending on the extent of the smoke damage under this scenario, we would normally demand that the ductwork be replaced.

ATA Loss Consulting will determine and consult with you if we believe invoking appraisal is the best fit for your case. Insurance Appraisal is an avenue policyholders can take when they feel that their Insurance company isn’t giving a fair claim award for the damages they’ve experienced. The Appraisal Clause, also know as The Appraisal Provision, allows you to have third parties voice their opinion on the damages, and amount to be paid. It’s been described sort of like court arbitration, but without courtrooms, lawyers, or judges. Most policies have an “Appraisal Clause”. To find the Appraisal Clause in your policy, look for the “Conditions” or “What to do after a loss” segment. ATA Loss Consulting and your insurance company each select an appraiser. Each appraiser must evaluate the loss and determine the value of each item. The appraisers attempt to agree on the amount of loss and value. If we can not agree on the amount, the appraisers then agree on a third party to act as an umpire. Umpires are used either to break an impasse in arbitration or to serve as specialized, long-term decision makers. Any disagreements between the appraisers regarding the value of any items are submitted to and settled by the umpire. The parties agree in advance that the decision will be accepted as final and binding.

ATA Loss Consulting, as your representative will schedule and go to this meeting on your behalf. Whether the claim is settled then or later, it’s just another avenue that can be used in the negotiation process of your claim. Insurance mediation refers to the process of settling disputes arising from certain types of insurance claims. The dispute will be between the insured and the insurance company. Many times policyholders go to mediation alone, which usually cost them a lot more than they bargained for. The Insurance company will have a representative to argue their prospective and thoughts on the insurance claim and the policyholder should have a representative, ATA Loss Consulting, to argue their prospective and thoughts on the claim. Both representatives come together at a scheduled time and place and hash out what a fair allotment will be. While mediation focuses on achieving a negotiated resolution, the appraisal process involves hiring a third-party professional (umpire) to determine how much coverage is owed. The differences between appraisals and litigation involve the processes themselves and the result of decisions on the disputes. Both are formal processes, but appraisals can be less costly and results in shorter settlement times.

In some cases, having ATA involved helps move the claim along more quickly. We know the process and work with insurance companies all the time. But like anything, the more people involved can sometimes slow down the process. There is likely to be more negotiation back and forth between ATA Loss Consulting and the insurance adjuster. Sometimes when a claim can’t be settled, the courts must get involved too. ATA acts as your advocate, in effort to raise the claim settlement to what you are rightfully owed, the insurance company resists, slowing down the process. The more negotiation there is back and forth, the more time it is likely to take to get a settlement. Our process can take time, by law, most insurance companies are required to pay or deny claims within 90 days after filing. Keep in mind that this is the initial payout. The process to get more payouts can take longer. ATA Loss Consulting has the experience and knowledge to help expedite the process while maximizing your settlement. Negotiation time can range from a few days to a few months, it really depends on how efficient your insurance company is. During this process our office staff will contact them almost daily by phone and e-mail to check the status of your claim, and to ensure that they are working on it steadily. During a catastrophe, such as a hurricane, processing time can slow down drastically because of the influx of thousands of claims. Ideally a residential, non-catastrophic claim would be completed in 90 days. A multi-million dollar commercial property catastrophic claim can last up to two years, depending on the details. Because there are so many variables, it’s very difficult to say how long it will take for your specific claim.

No. We don’t get paid until and unless you get paid. We typically spend our own money and time documenting and resolving your claim before we get paid. Our consultation and policy review is FREE and without any obligation.