Metro Claims Process

Metro Claims Process

Please remember that this is just a guideline of what will happen. There are always factors, and humans that are in the way of this. Please be patient with this. It will take time.

Sign Docusign

We have documents the Department of Insurance requires you to sign to protect you and lets us represent you.

How long will it take?

We don’t get paid utilities you get paid

We want the process to go as fast you do

However we also want to you to get a proper settlement

You may see an initial offer in just a few days or weeks

The entire process typically takes 14-45 days

Remember, claims are a negotiation and to get what is owed, may take a bit longer

Logging

Wishing a few hours, your claim is logged into our platform

As we work on your claim, you will get automatic updates via text or email

We will assign a state licensed field adjuster to begin work on your claim

Metro Field Adjuster

Typically within 24-48 hours after a field adjuster is assigned, you will get a call to schedule a virtual or in-person scope inspection

The scope inspection is typically completed within 7-10 days but will depend on client and field adjuster coordinating schedules.

Our Promise:

When property damage or loss occurs, Metro Public Adjustment will take care of your insurance claim.

I’ve personally lost property due to flood, fire, tornado and water leaks.

Our staff knows what you’re going through and we’ll handle your claim as if it were our own. You and your contractors will know each step of the process. You will receive guidance and support that you need to get you back on your feet as quickly as possible.

Duties after loss.

Yes, you have duties as well as rights as an insured after a loss.

One of the largest values of our service is to ensure you meet your duties after a loss and legal timelines that are required of property owners in their policy

We also protect property owners from the insurance companies' often unfair settlement deflating, tactics, guidelines and business practices.

The Science Behind what Metro Does

Our field adjusters are some of the best trained in the industry. We require them to carry additional qualifications and advanced training to make it hard for the insurance company to dispute our findings.

We evaluate the damage, analyze the policy, create a valuation based on all the coverages offered in your policy.

We go through great lengths to get the evidence to prove your loss to the insurance company.

Insurance Company

After our scope inspection, we will contact the insurance company to notify them of our insolvent and ask them how they would like to proceed.

The insurance company has 30 days to respond

At this time they can pay our estimate

Typically they will schedule an adjuster inspection within 7-14 days of our notification.

Delays

While the insurance company has 30 days to respond, they can extend this deadline

One day 29, they can simply say they are still investigating and they get an additional 45 days.

This can be repeated until the statute of limitations is passed.

We hold the insurance company accountable for any unfair claims practices.

Offer

Typically within 30 days or four involvement a property owner should see an initial offer

Our field adjuster reviews the offer for any errors or omissions.

Concerns

If the offer is not appropriate the field adjuster will write a concerns letter

The letter explains what the still own and why

Typically we get a second offer

If the offer is still unacceptable, we look to the policy to additional settlement options

Appraisal

If all the conditions laid out under the policy are met it may make sense to invoke the appraisal clause in the policy

This section allows the homeowner and insurance company to appoint a 3rd party and let them sort it out.

This is typically used when a dollar amount is disputed, not a coverage dispute.

It could take some time for the appraisal process. 3-12 additional months.

Legal

If all other options are exhausted, we may recommend legs action

The legal process takes it out of our hands.

We give the lawyers the evidence we collected and they will evaluate your loss to see if it rises to the level of legal involvement

This can take 12-24 months more.

Contact your Claims Representative

The person who you spoke with first is your claims representative

They will give you the fastest answers