Indemnify Your Insurance Claim with Expert Knowledge
Let us handle the complexities of your claim, so you can focus on moving
forward confidently, knowing you have a dedicated expert working on your claim.
Our Mission Statement
Reserve Capital LLC’s mission is to help fairly indemnify credible property insurance claims.
Reserve Capital LLC’s network of public adjusters and insurance appraisers has extensive experience with claims related to Hail/Wind, Fire, Water, Weight of Ice & Water, Business Interruption, Catastrophic Events, and other covered perils contained in commercial and residential policies. Reserve Capital LLC provides either public adjusting OR appraisal services depending on the context and timeline of claim(s).
We Understand Insurance Policies
At Reserve Capital, we offer comprehensive public adjusting services to support policyholders
through every stage of the claims process.
Hail Damage
Even small hail can cause significant problems over time, while larger hailstones can lead to immediate and severe damage. Let us take the stress out of your hail damage claim and secure the fair settlement you deserve.
Water Damage
Water damage can lead to extensive property issues, from structural damage to mold growth, and filing a claim for it can be complex. We thoroughly assess the extent of the damage and handle all aspects of the claim process for you.
Wind Damage
Wind damage can leave lasting effects on your property, from broken windows to structural issues and roof damage. We manage the process from start to finish, advocating for a settlement that truly covers the cost of repairs and restoration.
Roof Damage
Roof damage can compromise the safety and integrity of your property, and filing a claim for it requires detailed documentation and expertise. We provide specialized public adjusting or appraisal services for roof damage, ensuring every shingle, structural element, and potential risk is thoroughly evaluated.
Fire Damage
Fire damage can have devastating effects on a property, impacting its structure, safety, and appearance. Our experienced adjusters understand the complexities of fire damage claims, including smoke, soot, and structural issues, and advocate for your rights every step of the way. Let us relieve the burden of the claims process so you can focus on rebuilding with confidence.
Residential Public
Insurance Adjusting
We provide specialized Residential Public Insurance Adjusting Services to help homeowners navigate the complex insurance claims process after experiencing property damage. From fire and water damage to wind, hail, and vandalism issues, our expert adjusters are dedicated to securing the full compensation you deserve. We begin with a thorough inspection of your property to document all damages, ensuring that no detail is missed. Our team manages every aspect of the claim, handling negotiations and paperwork on your behalf, so you can focus on recovery without the stress of dealing with the insurance company. With our experience and commitment to clients, Reserve Capital is here to protect your home and your peace of mind by ensuring you receive a fair and comprehensive settlement.
Commercial Public
Insurance Adjusting
We offer comprehensive Commercial Public Insurance Adjusting Services to support businesses facing property damage claims. We understand the financial impact and operational disruption that damage from fire, water, wind, hail, or vandalism can have on a business. Our experienced adjusters work as your dedicated experts, conducting a meticulous inspection of your property and documenting all losses to build a strong, accurate claim. From managing the paperwork to negotiating with your insurance provider, we handle every detail of the claim process, striving to secure a complete settlement to cover repairs, restoration, and business interruption. With Reserve Capital on your side, you can confidently focus on running your business while we fight for the compensation you need to recover fully.
FAQs & About Public Adjusting
Public Adjusting is a professional service designed to help policyholders navigate the insurance claims process with expert guidance and support. Unlike insurance company adjusters, public adjusters work exclusively for you, the policyholder, ensuring that your claim is accurately assessed and fully represents the value of your loss. From inspecting and documenting damages to negotiating with the insurance company, a public adjuster is your dedicated expert, focused on securing a fair and complete settlement. With their specialized knowledge, public adjusters help you avoid common claim pitfalls and ensure you receive the compensation you deserve for property damage.
An individual who is licensed and regulated by the State department of insurance to help indemnify property owners per their insurance policies and damages incurred. Aside from attorneys, Public Adjusters (PAs) are the only individuals that can legally represent policy holders on their insurance claims. Unlike contractors or roofers, PAs are licensed to interpret policy language as well as negotiate claims amounts for insureds. PAs are also bonded, insured, and knowledgeable in policy language and construction methodologies.
Although PAs can become involved during any phase of the claims process, it is best to involve a PA from the beginning to ensure claims are adequately documented and presented to the carrier. Typically, PAs become involved when there are disputes in coverage and/or scope. It’s especially crucial to involve a PA if an insurance company is denying a valid claim or failing to sufficiently address costs associated with a valid claim.
There are various alternatives that can be pursued if a PA is unable to form agreement with a carrier regarding amounts of loss. Appraisal is typically invoked when there are disputes strictly related to amounts of loss opposed to coverage issues. Although it should never be the intention from the onset of a claim, filing suit may need to be considered if egregious errors or actions have occurred during the claims process.
PAs advocate for consumer rights under their insurance policies. PAs facilitate the claims process for insureds by handling all inspections and correspondence throughout the duration of their claim(s). PAs help ensure that policy holders have necessary funds to restore their property to pre-loss condition and that all coverages within their policies are fairly addressed. Not to be confused with Insurance Adjusters (IAs), Public Adjusters do not work for any insurance company but instead represent the interests of policy holders.
Public Adjusters charge a percentage of claims proceeds. Since Public Adjusters work for the public rather than the insurance company, they are also paid by the policy holder rather than by the insurance company.
Public Adjuster are not contractors, their sole purpose is to represent policy holders during the claims process to ensure fair amounts of loss are awarded. Public Adjusters work strictly for policy holders, not for either contractors or insurance companies.
About Appraisals
When to Involve an Appraiser?
Appraisals should be considered after a loss has
been inspected, perhaps multiple times, and a carrier’s and insured’s estimates have established irreconcilable differences in amounts of loss. Appraisers are required to be independent, disinterested, and impartial. Therefore, appraisers charge on an hourly basis for time and expenditures.
Additional Info About Appraisals...
Appraisers nominate an umpire before meeting to ensure achieving agreement is still possible if the appraisers cannot agree. Umpires usually charge $1,200 to $1,500 which is split between the insured and insurance company. An appraisal demand letter, signed by the insured, commences the process which takes approximately 1-6 months to complete depending on the claim’s context.
Consumer Resources
Public Adjusting is a professional service designed to help policyholders navigate the insurance claims process with expert guidance and support. Unlike insurance company adjusters, public adjusters work exclusively for you, the policyholder, ensuring that your claim is accurately assessed and fully represents the value of your loss. From inspecting and documenting damages to negotiating with the insurance company, a public adjuster is your dedicated advocate, focused on securing a fair and complete settlement. With their specialized knowledge, public adjusters help you avoid common claim pitfalls and maximize the compensation you deserve for property damage.
About the Owner
Steve Ziegler grew up in Broomfield, CO and attended Legacy High School, graduating in 2007. He won back-to-back 5A State Golf Championships in his junior and senior years and finished with the third highest GPA in his class of over five hundred students. His athletics and academics in high school earned him a scholarship to play golf for Stanford University, which he began attending in the fall of 2007.
At Stanford University, Steve earned four All-American awards: two as an athlete (’09, ’10) and two as a student (’10, ’11). In his senior year, he was elected captain of the Stanford Men’s Golf Team and in his four years on the team he participated in over 95% of the tournaments in which the team participated. Steve graduated in August of 2011 with a B.A. in Science, Technology, and Society.
Upon completing his undergraduate degree, Steve chose to pursue a career playing professional golf with sights set on the PGA Tour. He formed an LLC in the beginning of 2012 to help fund his pursuit. By early 2013, despite some success professionally, Steve decided to repay those who invested in his golf career and
in May of 2015 earned his MBA with concentrations in Real Estate and Construction Management at CU-Boulder's Leeds School of Business. He’s operated his public adjusting and insurance appraisal business Reserve Capital LLC since December of 2013.
Contact Us
or Get a Free Claim Analysis
Getting in touch with us is easy! At Reserve Capital, we’re here to answer your questions and guide you through the claims process. Whether you need assistance with a new claim or have specific inquiries about our services, our team is ready to help. Contact us today for a free consultation, and let us provide the expert support you need to maximize your claim to ensure a fair settlement. We look forward to working with you!
- reservecapital29@gmail.com
- (303) 589-5825
- reservecapital29@gmail.com
- (303) 589-5825