Services

Choosing the right professional to handle your Property and Casualty solutions will be the most important decision you make when handling the long and sometimes arduous process of restoring a property after a covered loss. 

At Fulcrum Claims Consulting, LLC we pride ourselves in a fair and balanced approach to claims handling. 

Achieving a proper resolution to a property insurance claim is not formulaic. There is not a correct form to fill out or a specific list of tasks to perform that will resolve all claims. The type of loss, the type of structure involved, the governing insurance policy, the location of the loss, the needs of the insured are a few of the factors that come into play in formulating the best course to take to bring the matter to the most effective conclusion.

With decades of experience, FCC gives our clients peace of mind that their claim is being handled accurately by claim professionals who have only the client's best interests in mind. We have a history of successfully representing policyholders in some of the largest catastrophic insurance claims. Our team of professionals understand construction projects, timelines and processes, and are experienced at quantifying the impact of all losses related to delays in opening, construction defect, equipment failure, material damage, etc.

The National Association of Public Insurance Adjusters defines Public Adjusters as follows: “Public Adjusters are professionals who are employed exclusively by a policyholder who has sustained an insured loss. They handle every detail of the claim, working closely with the insured to provide the most equitable and prompt 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.” www.napia.com

Determining the true economic damages in a dispute is rarely a simple process. With many different factors at play, it can be extremely perplexing and time consuming to accurately quantify the amount in question. 

At FCC, we specialize in providing clarity to our clientele in even the most complicated and complex scenarios.

In any legal matter or dispute where there is a need to identify and quantify financial damages, we closely scrutinize the financial impact of the triggering event,  including the assumptions and methodologies used as well as the underlying evidence and supporting documentation. 

Our role in this area includes being retained as an expert providing advice and assistance to the insured's counsel if the matter is heading to or is in litigation. We have also been retained to serve as an expert witness to testify in court and have been accepted as an expert witness in both U. S. Federal and  State courts.

Many insurance policies contain a provision which stipulates that either the insurance company or the insured has the right to demand an “Appraisal” if that party disagrees as to the amount of the insured loss.  The purpose of the Appraisal process is to offer both parties to the insurance contract a less expensive and more expedient alternative to going to court in order to reach a settlement.  Appraisal has many similarities to binding arbitration but the two processes are not identical.  The Appraisal Panel is made up of three participants:   the insurance company and the insured select an Appraiser for the process and a neutral Umpire is agreed upon to serve as the final decision-maker should the two Appraisers have differences that they cannot resolve.

FCC has extensive experience representing the insured in the Appraisal process.  Our principal, Anthony Rolfes has tremendous experience in the appraisal process as both and Appraiser and Umpire. We offer this service to parties seeking fair, competent and experienced insurance dispute umpires. As practicing public adjusters, the value we bring is the knowledge of the adjusting process and ability to understand and interpret engineering, construction, financial and other expert reports related to the loss.

The resiliency of your portfolio is based on how quickly you can recover from the unexpected disasters. 

Whether you are a Propety or Portfolio Manager, FCC provides top tier risk assessment for management and growth strategies across your property asset package. 

A risk management professional is a partner who supports the organization to leverage the opportunities and uncertainties associated with its goals and objectives. They lead the development and implementation of risk management practices that enable the organization to make risk-effective decisions that create and sustain value. 

Over the past twenty years our Executive Team has been on the ground working to assess the value of property owners’ losses following many of the worst natural disasters this country has seen.  

Our extensive experience in large commercial losses, including Condominium and Homeowner Association insurance claims, allows us keen insight into the process of forensic investigation when we are asked to evaluate damages.  Our network of specialists and experts is ready to assist with the specific circumstances that surround the claim so that documentation and substantiation proceeds without unnecessary delay.