Expert Support for Your Insurance Claims

At All Perils Consulting Inc., we specialize in helping policyholders like you navigate the complex world of first-party insurance claims. Whether you're dealing with property damage from storms, fires, or other perils, our services ensure you get the fair settlement you deserve. We act as your guide, handling the details so you can focus on rebuilding.

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Public Adjusting

Your Trusted Claim Advocate

Tired of delays and silence from your insurer? We help you get answers—and money—so you can move forward.

  • Expert Representation for Policyholders
    ‍    Public adjusters advocate exclusively for you, the insured, rather than the insurance company, to secure fair compensation for property damage or loss.
  • Comprehensive Claim Support
    ‍    We manage every step of the claims process, including detailed assessments and negotiations, to help you obtain the full entitlement under your policy.
  • Risk-Free Assistance
    ‍    Our services involve no initial fees, providing professional guidance during challenging times without financial burden upfront.
More about Public Adjusting
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Appraisal and Umpire Work

Understanding the Process

When you and your insurance company can't agree on the value of your loss, the appraisal process kicks in.

  • Neutral Dispute Resolution
    ‍    Appraisal involves appointing impartial appraisers to evaluate property damage when policyholders and insurers disagree on value, aiming for a fair resolution without litigation.
  • Umpire Involvement in Decisions
    ‍    If appraisers can't agree, a neutral umpire assesses the evidence; the final award becomes binding only when accepted by at least one appraiser, requiring agreement from any two of the three parties.
  • Impartial Expertise Offered
    ‍    We provide guidance or serve as appraiser/umpire, delivering unbiased valuations focused on accurate damage assessment per policy terms.
Information about Appraisal
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Consulting Services

You’re Not Alone Anymore

We stand up for you when the process feels stacked against you. You deserve a fair outcome—let’s get it together.

  • Expert Consulting
    ‍    We offer specialized consulting services to attorneys, contractors, and other professionals, providing in-depth analysis and guidance on complex insurance claims and property valuations.
  • Accurate Estimate Writing
    ‍    Our team crafts detailed, evidence-based estimates for damage assessments, ensuring compliance with industry standards and supporting your projects with reliable documentation.
  • Collaborative Review Services
    ‍    We actively partner with you for unbiased reviews of claims or estimates, delivering expert insights to validate findings and enhance your strategies in negotiations or disputes.
More about Consulting Services

Claims We Handle

Illustration of a blue house damaged by a storm with broken windows, cracked walls, and debris scattered around under dark clouds with lightning and rain.

Wind and Hail

Wind and hail account for over 40% of homeowners' claims, often damaging roofs, siding, and exteriors.

  • Inspecting roofs, windows, and siding for dents or cracks post-storm.
  • Documenting with photos, videos, and weather reports for strong evidence.
  • Recommendations for mitigating further loss, plus help with prompt claim filing under standard policies.
Illustration of a blue house at night with broken windows and flames emerging from the roof, indicating a fire.

Fire Damage

Fire represents about 23% of claims, causing structural and smoke-related losses.

  • Assessing for hidden smoke or heat damage beyond visible burns.
  • Gathering photos, inventories, and fire reports to bolster your claim.
  • Recommendations for securing the site, plus help with swift submission for optimal coverage.
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Water Damage

Non-flood water damage makes up around 20% of claims, from leaks or bursts leading to mold and structural issues.

  • Identifying sources like pipe bursts and strategies to halt spread.
  • Photographing damage progression and retaining repair records.
  • Recommendations for rapid mitigation to prevent mold, with policy exclusion advice.
Illustration of electrical hazards including exposed wires sparking from an outlet, a light fixture, a faucet, and an appliance near a sink.

Lightning

Lightning accounts for 5-10% of claims, surging through electrical and plumbing systems.

  • Inspecting appliances, wiring, and fixtures for surge-related burns.
  • Compiling weather data and technician reports for claim backing.
  • Advice on preventive unplugging and help with repair claims under standard coverage.
White house with broken windows, graffiti saying 'TAG' and 'TING,' and debris scattered on the grass yard.

Theft and Vandalism

Theft and vandalism comprise 4-5% of claims, involving stolen items or intentional property harm.

  • Inventorying missing items and analyzing entry points like broken windows.
  • Support in preparing police reports and photographic evidence.
  • Recommendations for post-incident security enhancements and coverage with proof of entry.
Illustration of a closed cafe storefront with papers labeled income, expenses, and profit flying around, set between a bookstore and a pharmacy.

Business Interruption

Business interruption affects 10-15% of commercial claims, covering lost income and extra expenses during downtime.

  • Tracking revenue losses using financial records and projections.
  • Documenting extra costs like temporary relocation or overtime.
  • Recommendations for maintaining operations through coverage for ongoing expenses.

Ready to Address Your Claim with Expert Support?

From fire and flood to windstorm and business interruptions, our services in public adjusting, appraisal and umpire processes, and consulting ensure accurate assessments and fair resolutions for your first-party insurance needs.

Request Your Free Consultation Now