Residential Customers
Single-Family Homeowners
Condominium or Townhome Owners
Condominium or Townhome Owners
When your home is damaged, your insurance company should be there to help — but too often, policyholders are left with confusion, delays, or underpaid claims. At Paramount Public Adjusters, we represent you, not the insurance company. We help single-family homeowners get the full value of what they're owed. Whether you’ve suffered water damage, fire, theft, or storm loss, we take the stress out of the claims process by handling every step professionally and efficiently.
Condominium or Townhome Owners
Condominium or Townhome Owners
Condominium or Townhome Owners
If you own a condo or townhome, navigating an insurance claim can be uniquely complex. Damage may affect your unit, your HOA’s property, or both — and knowing who’s responsible can be confusing. At [Your Company Name], we specialize in helping condo and townhome owners handle claims properly, ensuring nothing gets overlooked or underpaid.
Landlords with Tenant-Occupied Homes
Landlords with Tenant-Occupied Homes
Landlords with Tenant-Occupied Homes
When damage strikes a rental home, you’re juggling more than a repair—there’s habitability, tenant access, and loss of rent to manage. Paramount Public Adjusters represents you (the policyholder), coordinating with tenants and property managers while we document the loss, prepare the estimate, and negotiate your claim for a fair, timely settlement.
Renters
Landlords with Tenant-Occupied Homes
Landlords with Tenant-Occupied Homes
When disaster strikes a rental unit—whether from fire, flood, or burglary—tenants are often left wondering where to turn. While the landlord’s insurance covers the structure, it usually does not cover your personal property. That’s where Paramount Public Adjusters comes in.
We help renters understand their rights and recover the maximum compensation under their renter’s insurance policy for damaged or stolen belongings.
Residential Claim Services We Offer
Residential Claim Services
Residential Claim Services
Residential Claim Services
Fire and Smoke Damage
Comprehensive claim support for partial and full structural fires, including thermal damage, smoke infiltration, soot contamination, and odor remediation. We document building material loss, HVAC system impact, and content damage using detailed estimates and photo documentation.
Water Damage and Plumbing Failures
Claims involving sudden and accidental water discharge from ruptured supply lines, failed plumbing systems, water heater leaks, slab leaks, and appliance overflows (e.g., dishwashers, washing machines, refrigerators). We provide moisture mapping, scope of loss documentation, and restoration estimates.
Mold and Microbial Growth
Claims for microbial contamination resulting from covered water losses, including post-remediation verification, indoor air quality concerns, and hidden mold within walls or flooring systems. We ensure mold exclusions are addressed appropriately in the claim.
Theft, Burglary, and Vandalism
We assist with personal property loss, forced entry damage, vandalism to structures, and inventory valuation. Ideal for residential break-ins, garage thefts, or vacant home vandalism.
Windstorm and Weather-Related Damage
Claims resulting from high winds, heavy rains, hail, or downed trees. We address roof uplift, window breaches, water intrusion through building envelopes, and interior ceiling/flooring damage due to storm exposure.
HVAC-Related Failures
Support for claims involving AC condensate line backups, attic HVAC leaks, duct condensation damage, and system-related water intrusions. These are often overlooked in standard inspections — we catch and document them properly.
Earthquake Damage
While not covered under standard policies unless specifically endorsed, we provide claim support for foundation cracks, wall separation, chimney collapse, and seismic-related structural compromise when earthquake coverage applies.
What We Do
Residential Claim Services
Residential Claim Services
On-Site or Virtual Property Inspections
We assess both visible and hidden damage using industry-standard tools and documentation protocols to ensure all affected areas are accurately captured for your claim.
Detailed Xactimate Estimates
We prepare comprehensive, line-item estimates using Xactimate, the industry-standard software trusted by insurance carriers for repair cost validation.
Photo Documentation and 360° Virtual Tours
We capture clear photo sets and optional 360-degree walkthroughs to document the full scope of damage, ensuring visual proof supports every aspect of your claim.
Policy Review and Coverage Analysis
We analyze your homeowner’s policy to explain coverage, deductibles, and exclusions — and identify overlooked damages that may qualify for compensation.
Direct Communication with the Insurance Company
We manage all communication with the insurance adjuster, submit required documents, answer follow-up questions, and ensure your claim stays on track.
Supplemental Claims and Reinspection Requests
When claims are underpaid or partially denied, we conduct secondary reviews, prepare supplemental estimates, and initiate reinspection to pursue the full amount owed.
Claim Strategy and Settlement Negotiation
We leverage our expertise in construction costs, policy interpretation, and industry standards to negotiate the maximum settlement and protect your financial interests. Possible payout.