Aaberg Claim Professionals

Services

Territory

Our servicing territory is Illinois, Indiana, Iowa, and Northern California.

Adjusting

Each of our adjusters is experienced, licensed, bonded, and insured professionals who provide prompt, effective service. Our adjusters are trained to handle Property and Casualty Claims (all lines), Worker's Compensation, Catastrophe Losses, General and Professional Liability. We demand the best from our adjusters, so you can demand the best from us.

Utilizing the current versions of both Xactimate 24/7 and MSB Integri, Aaberg Claim Professionals, Inc. can provide accurate, detailed commercial or residential estimates for any size property damage loss. For more information on these programs visit www.xactware.com and www.msbinfo.com.

Property Adjustment

Immediate Contact -- Same Day
Reserve report to Carrier within 48 hours
PILR Report to Carrier within 48 hours
Inspection inclusive of detailed diagram of property
Video tape and/or use of 35mm photos to document damage
Scope and prepare Xactimate Estimate within seven days
Provide disc of scope to contractors for competitive estimate within seven days
Complete bid comparison of estimates within three days of receiving bids
Detailed report to carrier outlining scope, estimates, bid comparison, subrogation, salvage, and recommended actual cash value

Personal Property Adjustment

Immediate contact with policyholder (same day)
Reserve report to carrier within 48 hours
PILR report to carrier within 48 hours
Inspection and preparation of detailed inventory of all property
Video tape and/or 35mm film to document claim
Identify personal property for pack out to restoration firm
Request restoration company pack out
Comprehensive identification at restoration company to review soft and hard goods, computer equipment and electronics
Obtain and verify estimates for repair and refinishing and adjust if necessary
Prepare inventory outlining description, quantity, age, where purchased, replacement price and source and actual cash value
Detailed report to carrier outlining property loss, special limits, replacement and actual cash values, subrogation and salvage

Liability Adjustment

Immediate contact -- same day
Reserve report to carrier within 48 hours
Inspection / Diagram of accident / premises
Video tape and/or 35mm photos to document claim
Recorded interviews from all parties to the loss
Summaries of recorded interviews to carrier with monthly report
Obtain authorization to provide medical records
Review medical records with ICD-9 and CPT codes
Comprehensive report to carrier outlining facts, coverage, legal liability analysis including duty owed, duty breached, proximate cause, comparative fault, damages for medical and liability and recommendations for settlement
Attendance at arbitration, mediation or settlement hearings

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Litigation Support

Litigation Support has become a necessary part of the current judicial process. Legal tactics, everchanging insurance policies, and increased litigation have made Litigation Support a reasonable way of controlling expenses. As insurance professionals, Aaberg Claim Professionals, Inc. can review and organize claim files, present opinions on insurance issues, and support the discovery process. We support litigation with detailed reports outlining the insurance issues, in-depth opinions regarding the "standard of the industry," and a unique perspective on the claims process.

Expert Testimony

Jim Aaberg and Lon Anderson have extensive experience in providing Expert Testimony. Our ability to provide a fair and objective testimony results from years of service in the insurance industry, both as employees and independent adjusters. This unique perspective benefits all individuals involved with insurance litigation.

In addition to its principals, Aaberg Claim Professionals, Inc. has developed a network of resources and individuals to assist with the intricacies of any insurance case. For a current Curriculum Vitae, click here.

Appraisal

An appraiser is a private, unofficial person selected by the insured and insurer to ascertain valuation, quantity and amount [6 Cal Jur 3d (Rev)].

Aaberg Claim Professionals, Inc. provides appraisers for all types of losses. Experience in determining the actual cash value through a systematic approach is what makes us a solid choice for any appraisal demand. This systematic approach, required by law, [Lewis Food Company v. Fireman's Fund Insurance Co.(1962, 2nd Dist.) 207 Cal App 2d 515] demands expert knowledge and experience in the industry to be effective. Both are qualities of the professionals at our firm.

Our people are accredited insurance professionals and negotiation specialists, with strong estimatic and evaluation skills, who, through an efficient approach, can reach an objective appraisal of any type of loss.

Contents Inventory Program

Aaberg Claim Professionals, Inc. has a team of experienced inventory specialists who will inventory the contents of your fire, water, mold, or other loss efficiently and with excellent accuracy. Our service saves the homeowner, adjuster, insurance and restoration company invaluable time, money, heartache, and painstaking physical labor. The contents are then entered onto our specialized spreadsheet and saved to disk. A&A saves both a hard copy and an electronic copy of the spreadsheet for your convenience and security.

Pricing Program

Aaberg Claim Professionals, Inc. offers an extremely accurate cutting edge pricing program. Our team of pricing specialists use the latest technology available to find current replacement costs and replacement sources for the contents of your loss utilizing both the Internet and specialty stores. These prices are added to our specialized spreadsheet and tax is applied to arrive at the most accurate replacement cost total available.

Depreciation / ACV

Aaberg Claim Professionals, Inc. will apply the current industry standard for depreciation to your loss, arriving at a fair and accurate actual cash value total. Any additional deductibles can be subtracted from this total, giving you the total loss amount.

Mold Inspection

Aaberg Claim Professionals, Inc. offers Investigation & Coverage Analysis for Mold Damage. Service expectations include:

Contact insured within 24 hours of assignment and set appointment within 72 hours. If insured is not available to meet these requirements, notify carrier.
If assignment is not clear about scope of investigation or report, call carrier for clarification prior to inspection.
During inspection of loss, conduct the following investigation unless specifically advised differently by carrier.
- Review building history with the owner/occupant to include any occurrences of water instrusion in the past or ongoing.
- Conduct a building investigation including documenting indoor humidity, indoor temperature and checking for elevated moisture content in building materials.
- Note the type and provide a general description of the heating and air systems.
- Record the following conditions: weather, outdoor humidity, outdoor temperature, and time of day.
- Note the size and location of any visual microbial growth or wet conditions on a diagram of the loss.
- Obtain a viable sample if necessary to develop a remediation protocol, and only with prior approval of the carrier.
- Take digital photographs of wet conditions, visible microbial growth, and potential causes of microbial contamination.
- If immediate containment is warranted to an extent not already provided, communicate this verbally to the carrier as soon as possible, and not more than 24 hours after the inspection.
- Communicate initial findings within 5 business days of the inspection regarding causation and coverage.
- Follow up with a final report within 2 weeks of the assignment. Note in the report if multiple causes of microbial contamination are suspected. Include a diagram, which shows wet areas, visible microbial growth, and location of suspected causes of contamination.