Chandra D. Brown - Public Adjuster • Recruiter

"Educating and protecting
the policyholder"

I’m here to eliminate your stress dealing with the insurance company, coordinate your services, and process your claim to reduce the chance of denial and increase the chance of 100% settlement.

General Information

What you need to know

What Is A Public Adjuster?
Public adjusters evaluate property loss on behalf of a policyholder and help them file insurance claims in exchange for a fee. They are licensed professionals who work for individuals and businesses – not insurance companies – and can save you a lot of money by ensuring your insurance company is paying the full amount it is responsible for under your policy.

Public adjusters use sophisticated software to perform an independent evaluation of a client's property loss. They know exactly how to log and submit initial and supplemental claims for a policyholder.
Why Call A Public Adjuster Before The Insurance Company?
Public adjusters are the only property loss professionals who work on behalf of policyholders. Individuals and businesses hire public insurance adjusters when they need assistance filing a claim or feel a claim amount offered by an insurance company is incorrect.

Claims for flood, fire, smoke, wind, and hurricane damage, as well damage due to other perils, can be filed and negotiated by public adjusters. Property losses might also result in other types of losses, such as business income, which public adjusters can evaluate.
The Public Adjuster And Your Settlement?
You’ll almost always receive a higher settlement from the insurance company if you use a public adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage. Typically, the more detailed and complete your claim is, the higher the settlement will be. Public Adjusters go through all the evidence step-by-step, carefully inspect the loss site, and accurately document the damage.

Studies have demonstrated that most inventories compiled by policyholders without the help of the public adjuster are very incomplete.
General Information

Your Declaration Page

What is a homeowners/property insurance declarations page?
A homeowners insurance policy declaration page is a document, consisting of several pages, provided by your insurance company that summarizes the coverage provided by your homeowners insurance policy. (A business owner’s policy may consist of hundreds of pages). It contains the most pertinent information regarding your home insurance. Understanding the details of your home insurance declarations page will help you get the most out of your policy.
Where do I find my declarations page?
Your declaration pages are found at the front of your homeowners insurance policy. They are mailed to you every year upon renewal. Your declaration pages are stored in your digital insurance file. Also, a copy can be e-mailed, without explanation, by calling your insurer’s customer service number.
Who is listed on the declarations page?
The declarations page lists the named insured, your homeowners insurance agent, your lender if you have a mortgage, and your deductible... the amount that you agree to be subtracted from the settlement before your insurance company begins to pay for a covered loss. It essentially lists all the parties that are involved in some way with your policy and typically includes their contact information.
What is listed on the declarations page?
Your declaration page typically includes your policy number as well as the limits of the primary coverages such as dwelling coverage, personal property coverage, liability coverage, and guest medical protection.

You'll also see your deductible, the amount you agree to pay before your insurance steps in to help pay the repair bills after a covered incident.

Your premium will also be listed on the declarations page in addition to any homeowner discounts that have been applied to your policy.
What address is listed on your declarations page?
Your declarations page will list the physical address of the insured property and your mailing address if it's different. If you have a homeowners insurance agent or lender, those addresses will also be listed.
When is the policy effective?
Your declarations page will clearly spell out your effective date (when your policy begins) and your expiration date (when your policy ends). Your policy "period" or "term" refers to how long your policy is in effect before you need to renew.

Types of homeowners insurance policies

HO–1
HO–2
HO-3
HO–4
HO–5
HO–6
HO–7
HO–8

An HO-1 policy is the most basic of all the types of homeowners insurance policies. It only provides coverage for the structure of your home, attached structures like garages, appliances, and home features like carpeting.

It does not include coverage for personal property, liability, or additional living expenses. Because of those limitations, it is not a popular choice for home insurance.

Like an HO-1 policy, HO-2 insurance is a named perils policy that covers your home and your items from the same circumstances covered by an HO-1 policy. This policy type covers everything that the HO-1 covers, but also adds a few additional perils.

An HO-2 insurance policy is also known as a broad form and covers your home and your personal belongings. Most insurance companies will cover your personal belongings no matter where they are at home, in your car, or somewhere else. HO-2 policies may include liability coverage in some circumstances. To determine if your HO-2 policy includes liability coverage, contact your insurance carrier directly.

The most common type of homeowners insurance is the HO-3 Special Form policy, which covers your home, your personal property, liability, additional living expenses, and medical payments.

An HO-3 is considered the standard coverage. It gives you ‘open perils’ coverage for your home structure, which protects you from all disasters unless the policy lists exclusions. However, you receive ‘named perils’ coverage for personal possessions, which applies to disasters named in the policy.

An HO-4 policy, also known as renters-insurance, is intended for renters who want to insure their personal belongings and get additional coverage, like liability and additional living expenses.

An HO-4 is not technically a “homeowners” policy, as renters don’t own their homes, which is why this policy type excludes coverage for the building’s structure.

If you are looking for the gold standard of home insurance, an HO-5 policy is it. This type of home insurance is the most comprehensive option available, covering your home, your personal belongings, liability, additional living expenses, and medical payments for others. These policies also have higher available limits for things like jewelry.

With an HO-5 policy, your home and your items are both covered under an open perils policy, which means that it will protect you from anything not specifically excluded in your policy.

HO-6 insurance is specifically for condo owners. It covers everything inside your unit, as well as personal liability and additional living expenses. Condo policies also typically include some dwelling coverage, as condo owners may be responsible for the interior walls of their units.

Because condo residents only own their unit, and not the whole building, the condo association typically has its insurance policy that protects common areas, grounds, and external parts of the building. Condo owners generally help pay for the association’s insurance in the form of condo or HOA fees.

An HO-7 insurance policy covers mobile or manufactured homes, including trailers, sectional homes, RVs, and modular homes. This type of policy provides coverage for your home’s structure, your personal belongings, liability, additional living expenses, and medical payments.

The exterior of your home is covered under an open perils policy, which covers any situation that is not explicitly stated in your insurance policy. However, HO-7 policies cover your personal belongings under a named perils policy. That means your items are only covered under a specific list of circumstance

The last type of homeowners insurance is the HO-8 policy, which is ideal for homeowners who have older homes or homes that would be difficult to replace. This includes architecturally significant houses, historic landmark homes, or homes built with materials and methods that are not common today. If it would cost more to repair your damaged home than its current value, an HO-8 policy may be a suitable option.

HO-8 policies include the standard coverage for the dwelling, personal property, liability, additional living expenses, and medical payments. Both your home’s structure and your personal property are covered under a named perils policy.

Commercial Services

What Is the Difference Between a Residential and Commercial Property?
The technical difference between a residential and commercial property is as follows: Residential real estate is all single-family homes and one to four-unit rental residences. In contrast, commercial property is anything with five or more units.
What is the Meaning of Commercial Property?
Commercial property refers to immovable property used for industry. Commercial property typically refers to a building that houses businesses, land that is intended to make a profit, and larger residential rental properties although non-profits churches are also considered commercial property.
What Is Business Owner’s Policy (BOP) Insurance?
A Business Owner’s Policy (BOP) combines business property and business liability insurance into one business insurance policy. BOP Insurance helps cover your business from claims resulting from things like fire, theft, or other covered disasters.

Business owner’s insurance also helps cover claims that could arise from your business operations. These include claims of bodily injury or property damage. They also include claims related to personal and advertising injury.
Business Property Insurance
Provides coverage for commercial buildings and the movable property owned by and used for the business - referred to as business personal property. A business owner’s policy covers liability claims, like customer injury and property damage not owned by the business, along with protecting your commercial building and its contents. It can also pay for other things like debris removal, loss of income, and pollution cleanup as part of a covered loss
A (BOP) policy, like most other policies, has certain coverage exclusions that you should be aware of. If you need protection for something that isn’t covered, policy endorsements might be available to extend coverage.
For example, damage from earthquakes is typically excluded from a BOP. If you live in an area that’s prone to earthquakes, you might want to consider adding an endorsement to your policy to extend coverage. Ask about endorsement options when getting your quote. 
Does coinsurance apply to actual cash value?
Coinsurance, also known as a “coinsurance clause” in an insurance policy, is a requirement (policy condition) that states an insured must carry insurance equal to at least a certain percentage of a property's actual cash value (ACV). 

Replacement Cost Value vs ACV

The standard limit for most BOP policies is $1,000,000, but you can increase that to $2,000,000 if your industry requires this. Replacement Cost vs ACV – Along with the coverage limits of the Commercial Property limits, you will have to choose whether you want Replacement Cost or Actual Cash Value.
Getting Started

Learn more about your policy and identify threats to your real property or physical health.

Submit Declaration Pages and Schedule Property Inspection*
What is your policy number?
What is your coverage period?
How much has your premium increased?
Has your coverage changed?
Have your improvements eliminated your coverage?
Do you have current damage?
Have you been denied a claim?
Where do I find my Declaration pages?
Schedule Free Policy Review and Property Inspection
*Declarations pages must be submitted to schedule your free policy coverage review or free home inspection.

Your questions

What kind of insurance do you offer?
We don't sell insurance or anything like that.
What are your fees?
They vary depending on the type and severity of the claim.
How does my deductible work?
Typically with property insurance, the deductible is taken from the amount of loss and simply deducted from your settlement.
Do I have a minimum size claim?
Typically we we won't take on a claim that's less than $1,500 over your deductible.
Do I have to spend all the money on my repairs?
No, but it varies slightly depending on the situation.
When is the policy effective?
Your declarations page will clearly spell out your effective date (when your policy begins) and your expiration date (when your policy ends). Your policy "period" or "term" refers to how long your policy is in effect before you need to renew.
Contact
Contact
chandrabrown777@gmail.com
Coming soon chandraDbrown@metropa.com
443-873-9187
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Affiliation with:
Metro Public Adjustments, Inc.
3551 Bristol Pike
Bensalem, PA 19020
www.Metropa.com
Founding member of the American Association of Public Insurance Adjusters (AAPIA)
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