About
Dear home/business owner,
From Oct. 2005 to Jan. 2011 Hebert & Associates LLC was located in Biloxi Mississippi. During that time period Matthew Hebert personally represented a large number of Hurricaine Katrina victims in the appraisal clause process. Matthew has since moved back to his home in Rochester New York and decided it was time to start helping the people in his own community.
Hebert & Associates LLC would like to provide you with a free evaluation regarding your recent insured loss.
A qualified property damage appraiser will meet with you at the property where the loss occured and complete a free damage analysis. Next we will determine if you are being treated fairly by the insurance company.
If not we specialize in representing our clients in the “appraisal clause”. It is fast and effective. From fire and flood victims to hurricane victims, Hebert & Associates LLC has helped people just like you recover the proper amount of insurance money.
After a fire in your home the last thing you want to do is bicker back and forth endlessly with your insurance company. You need a professional on your side. We work hard to make sure you get paid the proper amount for your structure, other structure, contents, and also living expenses. You owe it to yourself and your family to receive a free, no obligation consultation. Find out today how much you’re truly entitled to.
What usually happens when there is a dispute about a claim amount?
Very often one party institutes litigation. This is an immediate signal that there will be lawyers involved, years of time may elapse before resolution plus both parties will be exposed to healthy legal expenses.
When settlement amounts are in dispute, the parties involved are frustrated or the insured honestly does not understand the coverage limits that the paid premiums provided. Harsh words may have been exchanged and the file remains open, further aggravating the participants. This is the time for either party to consider resolving the differences under the appraisal clause provision in the policy. The “appraisal clause” found in all insurance policies, was designed to establish a procedure to allow disputed amounts to be resolved by disinterested parties.
We are NOT public adjusters. Why? Public adjusters ultimately have to negotiate directly with the insurance company. If the public adjuster and the insurance carrier can’t agree then what? That’s why the appraisal clause is the best solution. You’re claim will be settled by disintested parties guaranteeing you fair results. There’s also a time line involved. In most states the insurance company has 14-20 days to hire an appraiser. The appraisal clause process is fast, and effective. It should read something like this in your policy:
Appraisal Clause
If you and we disagree on the amount of loss, either may make written demand for an appraisal of the loss. In this event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the amount of loss. If they fail to agree, they will submit their differences to an umpire. A decision agreed to by any two will be binding.
