Service Locations
We help all homeowners with residential adjusting services within British Columbia including:
- Vancouver
- Richmond
- Burnaby
- Coquitlam
- West Vancouver
- North Vancouver
- Surrey
- Langley
- Hope
- Chilliwack
- Kelowna
- Interior
- Kamloops
- Prince George
- Williams Lake
- Victoria
Professional Public Adjuster Services for Homeowners in BC
Your Advocate When Insurance Companies Fall Short
When property damage strikes your Vancouver home, you need professional representation to ensure fair compensation. Pythe Navis works exclusively for homeowners, not insurance companies, to maximize your claim settlement and protect your financial interests.
Our licensed public adjusters handle the complex claims process while you focus on recovery. We document damage properly, interpret policy language accurately, and negotiate directly with insurance companies to secure the settlement you deserve.
What is a Public Adjuster?
A public adjuster represents your interests, not the insurance company’s. While insurance company adjusters work to minimize payouts, we work to maximize your settlement through professional claims adjusting services.
Our role involves documenting all property damage, analyzing your policy coverage, preparing detailed estimates, and negotiating with insurance companies. We understand policy language, coverage limitations, and claims procedures that most homeowners find overwhelming.
Key differences:
- Insurance Company Adjuster: Minimizes claims, represents insurer interests
- Public Adjuster: Maximizes settlements, represents homeowner interests exclusively
Professional representation often results in settlements 40-60% higher than initial insurance company offers. We handle all communications, paperwork, and negotiations so you can focus on getting your life back to normal.
When Your Insurance Claim Gets Denied
Insurance claim denials occur frequently, often for reasons that can be successfully challenged. Common denial reasons include policy exclusions, insufficient documentation, missed deadlines, or disputes over damage causation.
A denial letter does not end your options. Many denials result from misunderstandings or incomplete information that professional representation can address effectively.
Our denial reversal process:
- Review denial letter and policy terms thoroughly – Gather additional evidence and documentation
- Prepare detailed appeals with supporting analysis
- Negotiate directly with insurance company decision-makers
- Present compelling arguments for coverage
We have successfully overturned hundreds of unfair denials by presenting evidence insurance companies cannot ignore. Professional representation significantly improves your chances of reversing unjust claim denials.
What to Do After Fire Damage
Fire damage requires immediate, organized response to protect your insurance claim and maximize recovery. Your actions in the first 48 hours can significantly impact your settlement amount.
Essential immediate steps:
- Ensure structural safety before entering damaged areas
- Contact insurance company within 24 hours to report the claim
- Document all visible damage with photographs and video
- Secure property against further damage from weather or theft
- Retain receipts for emergency repairs and additional living expenses
Critical mistakes to avoid:
- Discarding damaged items before documentation
- Beginning cleanup before insurance inspection
- Accepting initial settlement offers without professional evaluation
Fire claims involve multiple damage types including structural damage, smoke damage, water damage from firefighting efforts, and additional living expenses. Each category requires specific documentation expertise to ensure maximum recovery under your policy terms.
Handling Flood and Water Damage
Water damage claims present unique challenges because standard homeowner policies exclude flood coverage while covering other water damage sources. Understanding these distinctions is crucial for determining available coverage.
Immediate response priorities:
- Ensure safety
- Avoid contaminated floodwater and electrical hazards
- Document damage immediately before conditions worsen
- Contact insurance company to report potential water damage
- Begin water removal and drying to prevent secondary damage
- Maintain detailed records of all mitigation expenses
Coverage distinctions:
- Typically covered: burst pipes, appliance failures, storm roof leaks
- Typically excluded: surface flooding, sewer backup, gradual leaks
Professional analysis of water damage sources and proper claim presentation often reveals coverage opportunities that homeowners miss. Even when flood exclusions apply, coverage may exist for emergency mitigation efforts and related damages under covered perils.
Understanding Coverage Denial and Underinsurance
Coverage denials often stem from narrow policy interpretations or incorrectly applied exclusions. Insurance companies may deny claims hoping homeowners will not challenge their decisions professionally.
Underinsurance affects most Vancouver homeowners due to rapidly rising construction costs. Policy limits that seemed adequate years ago may leave significant gaps when rebuilding becomes necessary.
Common coverage issues:
- Pre-existing damage claims when damage clearly occurred during covered events
- Maintenance exclusions applied too broadly
- Policy exclusions cited incorrectly for specific situations
- Undervalued damage assessments
Underinsurance protection:
- Regular policy reviews with current construction cost analysis
- Replacement cost coverage rather than actual cash value
- Inflation guard endorsements for automatic coverage adjustments
Professional representation ensures proper policy interpretation and maximum available benefits under your coverage terms. We identify coverage opportunities and challenge improper exclusions effectively.
Our Professional Services
Pythe Navis provides complete public adjusting services for all property damage types affecting all homeowners:
Fire and smoke damage: structural assessment, smoke damage documentation, water damage from firefighting, additional living expenses, personal property valuation
Water damage: burst pipes, storm damage, appliance failures, basement flooding, mold remediation claims
Storm damage: wind damage, hail damage, tree damage, ice dam issues, power surge claims
Our local expertise includes understanding regional building codes, construction costs, and insurance company practices. We maintain professional relationships with contractors, engineers, and specialists who support complex claims when needed. If you’re a resident of British Columbia, we can help you.