A1 Web Links - Financial Services Resources
Contact Us
Pennington & Associates
20770 US 281 N, Suite 108
San Antonio, TX 78258210-651-0300866-651-0300
Fax: 210-651-0456
http://www.garypennington.com/contactus.htm
Thursday, February 22, 2007
GaryPennington.com - Contact Us
A1 Web Links - Financial Services Resources
Contact Us
Pennington & Associates
20770 US 281 N, Suite 108
San Antonio, TX 78258210-651-0300866-651-0300
Fax: 210-651-0456
http://www.garypennington.com/contactus.htm
GaryPennington.com - FAQ
Q & A
What is a Public Adjuster or Loss Consultant?
Public Adjusters or Loss Consultants are employed exclusively by property owners or policyholders who have sustained a loss that would be covered by an insurance contract or policy. Public Adjusters handle every detail of a claim, working closely with the insured to provide the most reasonable and timely settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company. Public adjusters are the only type of insurance adjuster who works exclusively for you, the policyholder.
There are basically three types of "insurance adjusters". They are...
A company adjuster (often referred to as simply the "insurance adjuster") works directly for the insurance company, usually as an employee.
An independent adjuster also works for insurance companies, but as an independent contractor. Independents do not work for policyholders. They are simply an independent agent rather than an employee. An independent adjuster could work for more than one insurance company.
A public adjuster or loss consultant, such as Pennington & Associates, is the only kind of adjuster that works exclusively for policyholders and not for insurance companies. This means there’s no conflict of interest when it comes to advocating on your behalf to the insurance company.
Public adjusters will typically contact you after a disaster. It’s important for you to know what to ask so you can distinguish established and trustworthy firms from all the others.
Why do I need the services of Pennington & Associates?
The highly stressful period following a loss is a difficult time for owners of property and businesses. You deserve the best experienced and skilled professional representing you and your claim to your insurance company. Pennington & Associates will provide to you extensive knowledge and technical expertise necessary to effectively deal with your insurance carrier relative to all aspects of your claim. This includes: determining your policy coverage, making sure you claim all that you are entitled to under your policy. We fully document your claim and present it to the insurance company for their consideration, and work with them to obtain for you the best possible settlement.
Pennington & Associates can take the major headaches away and let you get back to your home or business. A typical insurance policy contains hundreds of requirements and conditions, various forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. In many states, policyholders have the burden of proof when it comes to presenting an insurance claim. Pennington & Associates are well acquainted with the insurance business and are familiar with insurance claim procedures so they can work speedily to expedite the process and get the money your need to satisfy your loss.
What kind of claims can Pennington & Associates help with?
Pennington & Associates is capable of handling many types of insurance claims for damages to your building and/or personal property, in both residential and commercial settings.
A sampling of the types of residential or business losses Pennington & Associates can assist with:
Flood
Collapse
Fire
Explosion
Hurricane and wind damage
Riot or civil commotion
Smoke damage
Vandalism or theft
Often, physical damage loss can trigger numerous additional losses for businesses. We also handle business interruption claims, loss of rental income claims, extra expense claims and additional living expense claims, and leasehold interest just to name a few.
When should I call Pennington & Associates?
Pennington & Associates should be contacted as soon as possible following a loss. We will promptly arrange to meet with you to view the loss, review your insurance coverage, coordinate any necessary emergency services, and discuss with you the details of your claim. If you are already involved in a claim and you think you may need additional help call us immediately and we will be happy to arrange a review of your claim and make recommendations. Our number to contact us is 866-651-0300.
Can I settle my own insurance claim?
Yes you can, however, many property owners are not familiar with the claims process and may be at a great disadvantage when it comes to working with an insurance adjuster from his or her insurance company. When it comes to making a claim for damages, experience and knowledge is the key.
How and when is Pennington & Associates paid?
We charge a small percentage of the settlement of your claim, which is established at the very beginning of the adjustment process and agreed to by you. We are paid when you receive your insurance proceeds. By seeking to maximize your settlement, Pennington & Associates services can save you the cost of their fees, at the very least.
What if I have additional questions or need to speak to someone about a claim?
Call us at 866-651-0300 or email us with your questions or concerns.
http://www.garypennington.com/qanda.htm
What is a Public Adjuster or Loss Consultant?
Public Adjusters or Loss Consultants are employed exclusively by property owners or policyholders who have sustained a loss that would be covered by an insurance contract or policy. Public Adjusters handle every detail of a claim, working closely with the insured to provide the most reasonable and timely settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company. Public adjusters are the only type of insurance adjuster who works exclusively for you, the policyholder.
There are basically three types of "insurance adjusters". They are...
A company adjuster (often referred to as simply the "insurance adjuster") works directly for the insurance company, usually as an employee.
An independent adjuster also works for insurance companies, but as an independent contractor. Independents do not work for policyholders. They are simply an independent agent rather than an employee. An independent adjuster could work for more than one insurance company.
A public adjuster or loss consultant, such as Pennington & Associates, is the only kind of adjuster that works exclusively for policyholders and not for insurance companies. This means there’s no conflict of interest when it comes to advocating on your behalf to the insurance company.
Public adjusters will typically contact you after a disaster. It’s important for you to know what to ask so you can distinguish established and trustworthy firms from all the others.
Why do I need the services of Pennington & Associates?
The highly stressful period following a loss is a difficult time for owners of property and businesses. You deserve the best experienced and skilled professional representing you and your claim to your insurance company. Pennington & Associates will provide to you extensive knowledge and technical expertise necessary to effectively deal with your insurance carrier relative to all aspects of your claim. This includes: determining your policy coverage, making sure you claim all that you are entitled to under your policy. We fully document your claim and present it to the insurance company for their consideration, and work with them to obtain for you the best possible settlement.
Pennington & Associates can take the major headaches away and let you get back to your home or business. A typical insurance policy contains hundreds of requirements and conditions, various forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. In many states, policyholders have the burden of proof when it comes to presenting an insurance claim. Pennington & Associates are well acquainted with the insurance business and are familiar with insurance claim procedures so they can work speedily to expedite the process and get the money your need to satisfy your loss.
What kind of claims can Pennington & Associates help with?
Pennington & Associates is capable of handling many types of insurance claims for damages to your building and/or personal property, in both residential and commercial settings.
A sampling of the types of residential or business losses Pennington & Associates can assist with:
Flood
Collapse
Fire
Explosion
Hurricane and wind damage
Riot or civil commotion
Smoke damage
Vandalism or theft
Often, physical damage loss can trigger numerous additional losses for businesses. We also handle business interruption claims, loss of rental income claims, extra expense claims and additional living expense claims, and leasehold interest just to name a few.
When should I call Pennington & Associates?
Pennington & Associates should be contacted as soon as possible following a loss. We will promptly arrange to meet with you to view the loss, review your insurance coverage, coordinate any necessary emergency services, and discuss with you the details of your claim. If you are already involved in a claim and you think you may need additional help call us immediately and we will be happy to arrange a review of your claim and make recommendations. Our number to contact us is 866-651-0300.
Can I settle my own insurance claim?
Yes you can, however, many property owners are not familiar with the claims process and may be at a great disadvantage when it comes to working with an insurance adjuster from his or her insurance company. When it comes to making a claim for damages, experience and knowledge is the key.
How and when is Pennington & Associates paid?
We charge a small percentage of the settlement of your claim, which is established at the very beginning of the adjustment process and agreed to by you. We are paid when you receive your insurance proceeds. By seeking to maximize your settlement, Pennington & Associates services can save you the cost of their fees, at the very least.
What if I have additional questions or need to speak to someone about a claim?
Call us at 866-651-0300 or email us with your questions or concerns.
http://www.garypennington.com/qanda.htm
GaryPennington.com - Services
Services
When you hire Pennington & Associates as your loss consultant or public insurance adjuster, we will assist you in measuring, documenting, and presenting a claim or claims to your insurance carrier and assist in returning your property to its position prior to the damages being suffered. Our specific services shall include:
1. Obtaining outside experts, engineers, contractors, and consultants on your behalf.
2. Documenting damages and presenting them in a claim or claims to be submitted to the insurance company.
3. Explaining each claim to you, the policy holder, the insurance representatives and advisors.
4. Assisting you and your representatives or contractors in meetings with the insurance company.
5. Discussing the work and cost elements with you, the insurance company representatives and advisors.
6. Defending our estimates and evaluations and analyzing those prepared by others.
7. Advise you as to whether settlement offers will provide adequate funds to complete repairs and pay all costs incurred by you in the rebuilding effort.
8. Working with your contractor and other representatives as may be necessary on your behalf.
http://www.garypennington.com/services.htm
When you hire Pennington & Associates as your loss consultant or public insurance adjuster, we will assist you in measuring, documenting, and presenting a claim or claims to your insurance carrier and assist in returning your property to its position prior to the damages being suffered. Our specific services shall include:
1. Obtaining outside experts, engineers, contractors, and consultants on your behalf.
2. Documenting damages and presenting them in a claim or claims to be submitted to the insurance company.
3. Explaining each claim to you, the policy holder, the insurance representatives and advisors.
4. Assisting you and your representatives or contractors in meetings with the insurance company.
5. Discussing the work and cost elements with you, the insurance company representatives and advisors.
6. Defending our estimates and evaluations and analyzing those prepared by others.
7. Advise you as to whether settlement offers will provide adequate funds to complete repairs and pay all costs incurred by you in the rebuilding effort.
8. Working with your contractor and other representatives as may be necessary on your behalf.
http://www.garypennington.com/services.htm
GaryPennington.com - About Us
About Us
At Pennington & Associates, we are a team of licensed, professional public adjusters, in business for the sole purpose of representing the interests of property owners who have suffered an insured loss to their home, business, or investment property. We work directly for the property owner as an advocate for their interests. Pennington & Associates believes that effective, experienced public adjusters are an essential element to obtaining fair settlement.
Gary H Pennington, PresidentPennington & Associates
Since beginning as a loss consultant in 1994, Gary has worked on thousands of claims in Texas, Florida, and Louisiana. Gary is owner and president of Pennington & Associates and provides day-to-day focus on the progress of open claims and the needs of Pennington’s clients. Gary brings extensive experience in the mold assessment industry to the Pennington and is licensed as a public adjuster in Texas and Florida and has registration in Louisiana.
Gary has presented and settled an extensive number of residential and commercial claims in which he has significantly increased the settlement and recovery for loss victims. He has also worked with large condominium communities, hotels, hospitals and school districts. Gary has also successfully worked on behalf of insured’s who suffered losses in Hurricanes Jeanne, Frances, Katrina, and Rita as well as many other wind, flood and fire claims in Texas, Louisiana and Florida.
Gary is currently a licensed Mold Assessment Consultant in the State of Texas and has been a Certified Indoor Environmentalist, Certified Mold Remediator, Certified Mold Loss Prevention Specialist, designations issued by Indoor Air Quality Association. He has also been designated Certified Foundation Repair Specialist, issued by the Foundation Repair Association.
Gary specialty is in litigation support and he has testified more than 300 times for property owners in suits against insurance companies.
Gary works closely with each individual client by keeping the client informed of all progress on the claim. Gary works diligently to remain available, day or night, to listen to the concerns and questions that Pennington & Associates clients may have. Gary’s role as Senior Loss Consultant requires him to stay in constant contact with the insurance adjusters as well as the Pennington & Associates team to resolve claims as expeditiously as possible.
http://www.garypennington.com/about.htm
At Pennington & Associates, we are a team of licensed, professional public adjusters, in business for the sole purpose of representing the interests of property owners who have suffered an insured loss to their home, business, or investment property. We work directly for the property owner as an advocate for their interests. Pennington & Associates believes that effective, experienced public adjusters are an essential element to obtaining fair settlement.
Gary H Pennington, PresidentPennington & Associates
Since beginning as a loss consultant in 1994, Gary has worked on thousands of claims in Texas, Florida, and Louisiana. Gary is owner and president of Pennington & Associates and provides day-to-day focus on the progress of open claims and the needs of Pennington’s clients. Gary brings extensive experience in the mold assessment industry to the Pennington and is licensed as a public adjuster in Texas and Florida and has registration in Louisiana.
Gary has presented and settled an extensive number of residential and commercial claims in which he has significantly increased the settlement and recovery for loss victims. He has also worked with large condominium communities, hotels, hospitals and school districts. Gary has also successfully worked on behalf of insured’s who suffered losses in Hurricanes Jeanne, Frances, Katrina, and Rita as well as many other wind, flood and fire claims in Texas, Louisiana and Florida.
Gary is currently a licensed Mold Assessment Consultant in the State of Texas and has been a Certified Indoor Environmentalist, Certified Mold Remediator, Certified Mold Loss Prevention Specialist, designations issued by Indoor Air Quality Association. He has also been designated Certified Foundation Repair Specialist, issued by the Foundation Repair Association.
Gary specialty is in litigation support and he has testified more than 300 times for property owners in suits against insurance companies.
Gary works closely with each individual client by keeping the client informed of all progress on the claim. Gary works diligently to remain available, day or night, to listen to the concerns and questions that Pennington & Associates clients may have. Gary’s role as Senior Loss Consultant requires him to stay in constant contact with the insurance adjusters as well as the Pennington & Associates team to resolve claims as expeditiously as possible.
http://www.garypennington.com/about.htm
GaryPennington.com
Welcome to Pennington & Associates
Our professional team of loss consultants and associates take pleasure in being able to serve you in your most vital time of need. For more than 12 years Pennington & Associates have been working with homeowners and business owners who have experienced catastrophic losses from hurricanes, tornadoes, fires, floods, water damage, and other perils. We understand the challenges that lie before you and we have a keen knowledge of the steps that should be taken to make certain that you fully recover. We care about your recovery and understand that few events in your life can match the emotional intensity and financial consequence as a serious property loss can be. It takes years to obtain property and establish a business but only moments to take it away. A few minutes of time invested in seeking out appropriate help and knowledge will greatly benefit you in your recovery. We are dedicated to providing our clients exceptional service in handling your insurance loss while providing you expert loss consultation through out every step of your insurance claim.
Many people have not heard about our type of service until they have suffered a property loss. We understand that insurance companies would prefer that public adjusters or loss consultants not be involved with their claims as they enjoy a more controlled and powerful position if the insured is not educated in the process. Insurance companies and the people who work for insurance companies are not bad people; however, many of the tasks that are required in your recovery can not or should not be performed by the insurance representatives.
That is why our firm has been established. To represent you—to protect you, our client’s interest, in measuring, documenting and presenting insurance claims on your behalf, in effort to maximize as well as expedite your insurance recoveries.
Once the stability of your home or business has been restored, our team of associates can concentrate on quickly preparing detailed assessments of loss and value for the various aspects of coverage and file these assessments on your behalf with insurance company representatives, therefore expediting claim settlement.Our team includes attorneys on retainer that are ready and willing to advise you immediately of any limitations and/or exclusions that may be applicable to your policy, which may limit recovery of your claim.
Our associates are skilled, knowledgeable, experienced engineers, builders and/or loss experts, which prepare very detailed estimates of your loss. These estimates are in a form very familiar to insurance company adjusters and are skillfully developed and presented on your, our client’s, behalf. Our team of professional public adjusters and loss experts will then discuss the extent of the loss with the insurance company staff, adjusters or their experts for all parts of your claim. Pennington & Associates will make the most of their years of experience, knowledge and expertise to agree a maximum claim recovery on your behalf.Don’t delay your decision to get the help you need in your insurance claim. Please call us now so that we can review your claim and the insurance company’s documents and position. Get the money you need now to get your loss covered.
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