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Residential Claims

Commercial Claims

     
 

 

 

      The typical recovery amount for a homeowner settling a claim on their own is
only 40% of what they're actually entitled to.
 
YOUR HOME IS YOUR LARGEST INVESTMENT. LET SUNSTAR HELP YOU PROTECT IT.

Single & Multi-family residences

A damaged home can have a substantial impact on your life. Not only do finances become stressed as you unload large sums to contractors but your focus becomes engulfed with the anxiety of rebuilding your home and finances to what they had been prior to your loss.
Countless homeowners fail to collect the full settlement amount recoverable simply because they are not aware of the ins and outs of the claims process. This adds to your loss and equates to more money out of your own pocket.
Multi-family residences normally involve more complex estimates than a single family home. Whether or not these dwellings have a homeowners' policy they must still be built to commercial code. This brings into affect additional state statutes and codes that would not typically be considered in a standard homeowners claim. Most adjusters are not immediately aware that this is the case and is a common mistake resulting in a severely underpaid claim.
Another common aspect that tends to be overlooked is that each unit may have varying appliances, flooring, cabinetry and furniture. All must be accounted for in order to correctly detail an estimate. 

Additional Living Expense (ALE)

In the event your home in uninhabitable due to a loss, your homeowners policy entitles you to the additional expenses of having to temporarily live elsewhere while repairs are being made. Although the amounts and terms of this coverage differ from policy to policy, you are generally granted moving costs and expenses to cover lodging, meals and other unavoidable living expenditures. Under these circumstances, insurance companies are responsible for maintaining your normal standard of living.

For example:
The Additional Living Expense should reflect the value of your dwelling at the time of your loss; whether you live in a $3 million mansion or a $250,000 condominium. If your home is uninhabitable don't settle for less than you are entitled to. A Sun Star adjuster has the expertise to assist you during this difficult time

 

 

Condominiums

Condominium claims are one of the most extensive and time-consuming claims we handle. However, with a success rate of virtually 100%, our experts have learned to understand the needs of the association, its' board of directors and its unit owners or tenants.

For that reason, SunStar has created a Property Managers Program unique to the industry enabling our professionals to cater to the specific needs of the property and to coordinate communication among the parties involved.