CLAIM CONCEPTS, INC.
PALM BEACH GARDENS, FLORIDA

or helping people than the team at Claim Concepts!” -Greg Roover, PA and President of Claim Concepts Greg Roover, the owner of Claim Concepts first got the itch to become a after being a victim himself of the Northridge Earthquake where his family business employed a public adjuster that eventually recovered them 10X what the insurance company first offered! He realized then, that he wanted to be able to help people in the same way. Knowing where he wanted to eventually be, Greg strategically began his career receiving training and experience working for the big insurance companies as an Independent Insurance Adjuster and NFIP Certified Flood Adjuster. After many years of gathering loads of experience working for the other side, he then obtained his Florida Public Adjuster License and began assisting policyholders in the same way his family was once helped. This insider knowledge of once working for the big insurance companies has helped numerous clients of Claim Concepts recover claim settlements that are far above their expectations. Aside from all of his vast adjusting experience, Greg is also a Certified Insurance Appraiser / Umpire as well as a licensed Florida Home Inspector & Mold Assessor. Combining all of this knowledge and experience has been instrumental in ensuring that each and every one of our clients recover the settlement that they rightfully deserve. Eric Thomas began his insurance claims career in 1989 as an Independent Adjuster and worked his way up to becoming a General Adjuster for a large Independent Adjusting Company. During his time with this Adjusting Firm, Eric was a Large Loss Adjuster who handled homeowners and commercial property insurance claims. He was also responsible for supervising several other independent adjusters handling homeowners insurance claims. In 2001, Eric transitioned from the adjusting of insurance claims to the construction side of the business. He worked as the General Manager for a Large Insurance Restoration Contractor and was responsible for overseeing: Estimating, Sub-Contractors, Field Supervisors and maintaining relations with over 15 Florida Insurance Companies which they did work as preferred vendors for. Applying all of his past experience and knowledge of claims and construction makes Eric an obvious fit for our firm and for the Public Adjusting industry as a whole. He is an invaluable asset that will certainly benefit all of our Clients. Peace of mind! We are here to represent you and your interest in the claim. Unfortunately, insurance companies often times deny claims that should be paid or do not pay enough money on a covered claim. This is not always the case and even when it is it may not be intentional. I know that most adjusters have the best of intentions but sometimes they may be inexperienced or simply trained to see things one way, the way the big insurance company wants it to be seen. As Public Adjusters our number one job is to get you the largest settlement available to you under your policy with the insurance company. Do public adjusters represent the insurance company? What’s the difference between a public adjuster and an insurance company adjuster? The public adjuster is employed by you, the insured. Their function is to represent your interests and ensure that you recover the proper settlement for all of your losses per the terms of your insurance policy. The insurance company’s adjuster works for the insurance company and is responsible to protect their interests throughout the claim. Public Adjusters typically work on a contingency basis which equals a small percentage of any money recovered by the insurance company. My Insurance Company asked for 3 Contractor estimates, can’t I do this myself if I get these estimates?” NO! This is NOT required under any policy that I have seen to date and I do not recommend it. In the event of a loss it is best to employ a Reputable Public Adjuster that knows what the policy will cover and what it takes to get your property back to its pre-loss condition. Many contractors will provide you with a competitive bid to make repairs but not necessarily get your property back to its pre-loss condition. Not necessarily. It is not recommended to file a claim every time you spill a glass of water as you may become classified as a nuisance claim maker. Property insurance is typically rated based on your area which is why all homeowner rates increased in Florida after the hurricanes, whether you filed a claim or not. The risk is more related to the area where your property is located and in commercial situations the use of the property. However, it is known that there are databases where claim activity is logged and each insurance company may have their own stipulations based on claim activity of the individual or the property. Ultimately, you buy insurance to protect you in the time of a loss. If you are debating whether you should file a claim or not, please feel free to call and speak with one of our Public Adjusters about your particular situation, we are always happy to help. My insurance company sent me a check, but I don’t think it is enough to fix my property. What should I do? Staff Adjuster: An Adjuster employed directly by a particular Insurance Company. : The only type of Adjuster hired directly by the insured to represent their interests in the claim. Public Adjusters are typically paid on a contingency fee based on a small percentage of the settlement recovered from the Insurance Company. – Assets permitted by state law to be included in an insurance company’s annual statement. These assets are an important factor when regulators measure insurance company solvency. They include mortgages, stocks, bonds and real estate. -individual who sells and services insurance policies in either of two classifications: Independent agent represents at least two insurance companies and services clients by searching the market for the most advantageous price for the most coverage. The agent’s commission is a percentage of each premium paid and includes a fee for servicing the insured’s policy.