NO RECOVERY, NO FEE
What do we do?
Our Services
Fire Damage
Fire can cause damage beyond what you can see visually.
Water Damage
Water damage can sometimes be difficult to determine the cause, which can affect your claims.
Storm Damage
Storms can cause water, structural, or other damage from rain, hurricanes, and tornadoes.
Mold Damage
Mold can lurk out of sight causing further structural damage and health issues.
Fallen Objects
Fallen trees or objects can cause additional damage to structure by exposing them further to the elements.,
Claims Issues Business Interruptions
We help you get back to normal operations and assist with all claim's filings.
Serving All PA & NJ
Who we are
About Us
Dati Public Adjusters is a full service public adjustment company. We are capable of representing you the property owner (insured) in various types of losses (Damages) that can occur to any type of property covered under an insurance policy. We have experience in dealing with all types of losses (Damages):
FREE CLAIM ANALYSIS
We Advocate for You
We Represent You
A Public Adjuster will represent you during the entire claim process by evaluating, estimating and negotiating your claim in the case of a loss. As your public adjusters,
Dati Public Adjusters can appraise your damage, prepare an estimate for your home insurance claim and manage interactions with your insurance company.
We act as an advocate for you, the policyholder, in the home insurance claim process. We will provide you with home insurance claim advice and services that will ensure you receive the maximum compensation you deserve.
Filing Claims
Frankly, insurance companies are in business of making serious money. In fact, the insurance agent who sold you your policy has a loss ratio that he is constantly trying to keep down.
Agents often inform their clients that they shouldn't bother with submitting their home insurance claim because it won't exceed your deductible, or because your rates will go up as the result of submitting the claim.
Insurance adjusters specialize in keeping home insurance claim payout amounts very low.
Even if your insurance adjuster is not working against you, he will be responsible for many homeowners insurance claims at once, and could be making huge mistakes with your money.
Negotiations
We can help negate all of these issues by filing your claim acting as your Personal Advocate in Property Damage Insurance Claims…taking control and negotiating the highest settlement possible.
Call or write to us today to find out how we can better assist you.
Do you have questions?
215-271-8865
Frequently Asked Questions
The Truth About Public Adjusters
WHAT IS A PUBLIC ADJUSTER?
A Public Adjuster is an adjuster who is licensed by the Department of Insuranc to work exclusively for the benefit of the policy holder.
WHAT IS THE DIFFERENCE BETWEEN A PUBLIC ADJUSTER AND THE INSURANCE COMPANY’S ADJUSTER?
The Public Adjuster is employed by you, and their fiduciary responsibility and duty must be to you. The insurance company’s adjuster is employed by the insurance company, and their responsibility and duty must be to their employer. It’s not possible for any insurance adjuster, no matter how hard he or she may try, to zealously protect both your interests and the interests of his or her insurance company at the same time. After all, their instructions come from their employer, not from you.
I HAVE ALREADY BEEN PAID AND THE INSURANCE COMPANY HAS CLOSED THEIR FILE. IS IT TOO LATE FOR YOU TO HELP?
Probably not. Generally you can file a supplemental claim for the loss. If you do not believe you were paid the right amount and would like us to review your claim, just let us know. We provide a FREE CLAIM AUDIT. You will owe nothing unless we obtain more money.
WHY SHOULD I EMPLOY A PUBLIC ADJUSTER TO OBTAIN WHAT IS RIGHTFULLY DUE ME?
Preparing an insurance claim can be a complicated and complex task. There are just too many details and variables which arise that can be easily overlooked. The decision to use a Public Adjuster has very little to do with whether or not you believe the insurance company will or will not try to be fair. Public Adjusters will almost always obtain much greater settlements than individuals, not only due to their skill in evaluating, estimating and appraising, but also because of their experience with the “ins and outs” of the insurance industry. As is true in any profession, the more experience and training one has, the better the final results. Statistics show that by using a public adjuster to represent you from start to finish n your property claim can increase your settlement by 50%, on average.
AM I ASSURED A HIGHER SETTLEMENT IF I USE YOUR SERVICES?
Almost always. The more thorough and complete your claim, the higher the settlement.
DO I HAVE TO PAY YOU UP FRONT?
No. We are not paid until money is collected from the Insurance Company. In fact, we spend our money and our time helping to document and process your claim before we are paid anything.
WHO USES THE SERVICES OF PUBLIC ADJUSTERS?
Public Adjusters are utilized by individuals and all types of businesses and professions, including banks, accountants, attorneys, and even insurance adjusters and agents on their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our assistance.
WHY CAN’T MY AGENT MAKE SURE I GET A FAIR SETTLEMENT?
You probably bought your insurance from your agent or broker because of his friendship and/or salesmanship. While the agent’s expertise is in connection with the marketing of insurance policies, he or she does not have the experience nor the obligation to render adjusting services. In fact, we have seen many times where the insurance company demanded that the agent stay out of the adjustment process. They were told to mind their own business. When everything is said and done, agents cannot do much to help, and they are just wrong if they suggest otherwise. Many people are shocked when they learn that most agents are paid an annual bonus if their claims are kept below a certain percent, known in the industry as the profit/loss ratio bonus. This naturally creates an undisclosed conflict of interest. With the agent having a personal financial interest in your claim, the more he or she helps you, the more he or she hurts himself or herself. However, agents who are aware of our professionalism and expertise, and who have the interest of the Insured at heart, will never discourage them from employing our services. In fact, they often highly recommend us, as they, themselves, have utilized our services many times after being a victim of a loss. Beware of anyone who advises you not to seek assistance from someone with our successful track record who works exclusively for you and your benefit.
IF WE EMPLOY A PUBLIC ADJUSTER, WILL IT CAUSE PROBLEMS OR DELAYS?
The vast majority of our claims are conducted and concluded in the spirit of professionalism and mutual respect with the insurance company’s representative(s). However, if the company does not want to be reasonable, we will never under any circumstances capitulate to any unreasonable demands or positions they take. If there are any problems or delays in your claim, they are the same problems which would exist whether or not we are involved. We, however, because of our experience would know the best way to minimize certain problems or delays, and often, just by our involvement, many problems are avoided before they develop. While some unethical adjusters may discourage you from employing a Public Adjuster (who is licensed by the Insurance Department), statistics are quite clear that Public Adjusters, almost without exception, assist in obtaining extremely higher settlements for the Insured, not to mention the time and turmoil the Insured is saved. It is beyond dispute that if any adjuster or agent prefers that you do not hire a Public Adjuster, it cannot possibly be your interest they have in mind.
SHOULDN’T I WAIT UNTIL THE INSURANCE COMPANY MAKES AN OFFER TO DETERMINE WHETHER I NEED YOUR SERVICES?
Many people make a serious error by delaying the employment of professional assistance. The earlier we are involved in a claim, the smoother the adjusting process generally proceeds. The insurance company often will not take certain positions when we are involved that they may try to take when we are not. In addition, it takes a great amount of work to determine exactly what is fair, and most people simply do not have the necessary expertise to determine whether or not a company’s offer is fair and accurate. Sadly we see many people who handle their own claims accept what we know are clearly low offers (sometimes less that 50 cents on the dollar), and yet are still quite happy with the settlement. We have also found quite often that the longer a person waits, the more stress and duress he or she is under. Every day many people accept substandard offers just to get the bad experience over with. This is not the best position to be in when you try to negotiate your claim. Bad settlements need not happen.
WILL I BE CANCELED IF I HIRE A PUBLIC ADJUSTER?
No. The public adjusting profession is mandated by the Legislature and regulated by the Insurance Department. It would be a serious violation if any Insurance Company would discriminate against you in any way for exercising
About Us
2335 S. Hemberger St.
Philadelphia, PA 19145
Datiadjusters@Hotmail.Com
Our Clients
- Homeowners
- Condominium Associations
- Business owners
- Condominium Unit Owners
- Building Owners