FAQ

FAQ: AMF Claims Consultants

Specialization: AMF Claims Consultants are public adjusters who act exclusively for policyholders, not the insurance company. They inspect damage, estimate losses, and negotiate claims to ensure clients receive what’s owed under their policies.

No Recovery, No Fee: There are no upfront costs. AMF works on a contingency basis, meaning they only get paid when you receive your settlement.

Experience & Expertise: With a combined 40 years in the insurance industry, including backgrounds as carrier adjusters and in construction/contracting, AMF is well-equipped to manage complex claims.

Types of Claims Handled: They assist with a wide variety of claims, including residential and commercial property damage caused by wind, hail, hurricane, fire, smoke, and more.

Service Areas: AMF operates in multiple states, including Texas (where they’re licensed), Oklahoma, Mississippi, Georgia, the Carolinas, Virginia, Tennessee, Missouri, Kansas, and Iowa.

Success Highlights: Examples of successful claims they’ve handled illustrate their effectiveness, like securing over $735,000 for a residential freeze claim versus an initial $52,000 offer, and over $2.75 million for a wedding venue freeze claim that had begun at zero coverage.

10 FAQs: Insurance Claims: Natural Disaster, Theft, Water Damage, Deductibles & Coverage Limits

1. What is a public adjuster, and how does AMF Claims Consultants support me?

A public adjuster like AMF represents policyholders, not insurance companies. They inspect damages, estimate losses, prepare documentation, and negotiate to maximize your settlement.

2. What kinds of damage can AMF Claim Consultants handle?

AMF assists with claims stemming from natural disasters (wind, hail, hurricane), water damage, fire and smoke, theft or vandalism, and more, for both residential and commercial properties.

3. How does a deductible work in my claim?

A deductible is your share of the loss you must pay before insurance coverage applies. For example, if damages are $10,000 and your deductible is $2,000, your insurer would cover $8,000.

4. What are coverage limits, and why do they matter?

Coverage limits are the maximum amount your insurer will pay for a specific type of loss. Understanding your limits is crucial to know the full extent of your financial protection.

5. Does AMF help with stolen or vandalized property?

Yes, AMF handles theft or vandalism claims too. They document the loss, estimate the value of items, and negotiate with your insurer for fair reimbursement.

6. How do I initiate the claims process with AMF?

Start with a free claim review where AMF assesses your policy and damage, then proceeds with documentation and negotiations, all on a “no recovery, no fee” basis.

7. What documentation is required for a strong claim?

AMF gathers thorough evidence, photos, repair estimates, temporary fixes, income loss documentation, and more, to support your claim.

8. How soon should I contact a public adjuster after damage occurs?

Right away. Early engagement enables AMF to preserve evidence, document damage accurately, and guide you throughout the process.

9. How long does it usually take to settle a claim?

Timelines vary based on the complexity and responsiveness of the insurance company. Simple claims may resolve in weeks, while more complex ones can take months.

10. What’s the benefit of having AMF negotiate vs. doing it myself?

AMF’s experience with documentation, policy nuances, and insurer negotiations can help uncover overlooked damages, better interpret deductibles and limits, and ultimately secure a higher settlement.