Turn The Tables!

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Insurance Companies Use Delay Tactics to Frustrate Property Owners into Giving Up and Settling for Less!

Want to be outraged? Click on the link below and read the article.
Insurance Claim Delays Deliver Massive Profits To Industry By Shorting Customers
By Mollie Reilly and Max J. Rosenthal

Insurance Companies Underpay

A Colorado Auto Accident Attorney, _____________  "people get on average 300% more when represented by an attorney."

Clearly Insurance Companies UNDERPAY!

It's not just auto claims that need representation, property owners do too!

Insurance Adjusters are Not on your side

Insurance Adjusters work for the Insurance Company, NOT YOU. 
The state Colorado doesn't bother to license adjusters representing the insurance companies!
Most are not competent. Most adjusters are not well trained, especially residential adjusters. We have found that many are not able to determine the cause of the damage unless it is so obvious you could too. This incompetency often results in missed damages, denied claims, estimates written to benefit the insurance company and underpay you.
Remember, adjusters want to please their boss not you.
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What is a Public Adjuster?

​How do Public Adjusters get paid?​ 
Only the Public Adjuster works for the insured. Public Adjusters are the ONLY adjusters in Colorado that are Licensed!
The Insurance agent by Colorado law is working for the insurance company. It may seem like they are on your side but most don't explain the coverages, don't warn you about degrees of risk, don't always understand the coverage themselves. CAI has had to correct insurance agents giving advice to their insured's. 
The insurance adjuster is not there to be fair. They are not there to be your friend, though they will try to convince you they are. They are there to pay you the least amount possible for your claim. 
Essentially you are on an Island by yourself. 
  • When you bought your house it is likely you had an real estate agent that represented you and the person selling had an agent represent them. 
  • Unfortunately for insureds, insurance doesn't work that way. 
Most insured's don't know that they have been underpaid. Most insured's don't consider a public adjuster until their situation is dire. 
  • When their claim is denied
  • When their claim is partially denied
  • When the underpayment is so vast they cannot restore their property
  • When they live out of town or have a schedule that makes it impossible for them to work through their claim. 
Colorado has set a maximum rate of 10%. 
Yes, the insured pays this fee. 
The law is such that the insurance company can delay, underpay, and force an insured to either hire an attorney or a Public Adjuster and then not be responsible to pay the extra expense. 
Colorado and Colorado laws are clearly written to the advantage of the billion dollar insurance companies that pay tremendous sums to state campaigns so that they can influence these laws and lawmakers. 
Hiring just any public adjuster may not make sense.
  • Hiring a great public adjuster will often result in a significantly increased settlement.
  • When a claim is denied, paying 10% of what a public adjuster gets the insured seems like an obvious decision. Pay 1005 yourself or a public adjuster 10%.
  • When a claim is significantly underpaid the same is true. Pay the difference out of your own pocket or pay an public adjuster to get all or part of that difference. 
  • When you are outmatched or when you don't have the time or are not in town, hiring a public adjuster can make a lot of sense. 
  • When your time is more valuable than the fee
  • When you want your best possible outcome without hiring an attorney
Undoubtedly, hiring a public adjuster is an expense. However it is our opinion that it's an expense well worth paying. 
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Not all Public Adjusters are Equal

Prior to becoming a Public Adjuster and then obtaining the designation Senior Professional Public Adjuster (SPPA), I worked for the insurance companies as an independent adjuster and consultant. 

Insurance Companies

Flood for NFIP | Berkley North Pacific | Brotherhood Mutual | Lloyds of London | Chubb | Berkshire Hathaway | POE | The Hartford | The Hanover | Horace Mann | Indemnity Insurance  | Nationwide | Liberty Mutual Insurance | Safeco Insurance | Bankers Insurance | Louisiana Citizens | Indiana Insurance | Ohio Casualty | American Family | Shelter Insurance | Auto Owners Group | The Kemper | NCAA / AAA Insurance | American First Insurance | CNA | Cincinnati Insurance | Teachers Insurance | Republic Group | Encompass Insurance | Tower Hill Insurance | Homewise | Florida Citizens | Erie Insurance | Scottsdale Insurance | TD in Canada | and other associated

Training to be your Expert

Below is a partial list of the courses and training Philip Weber has completed.
Senior Professional Public Adjuster Certificate – The Institutes - Risk & Insurance Knowledge Group
Adjusting Business Interruption for Retail Insured’s – Craig Acheson (AHY Forensic Accounting) and Michael C. Little AIC CPCU (Hanover Insurance Group)
Building Codes: Loss and Claim Exposure management – Kent G. Robinson General Adjuster (Stet Travelers) Isam Hasenin President (Hasenin Consulting Engineers)
Claims Technology – Dennis Wallen (Reliable Adjusting Company Enterprises)
Commercial Claims – J.P. Turner
Commercial Roofing – Donan Engineering
Commercial Roof Damage Assessment - Haag Engineering
Condominium Losses - by Elizabeth E. Andrews Esquire & Kirt Varhagen National Product Line Manager (Safeco Insurance)
Comparing Property and Boiler and Machinery Coverage and Adjustments – Richard Sprock (Bruckmann & Victory LLP) and William F. Cassidy (Douglas G. Patterson & Associates, Inc.)
Earthquake: When the Big One Hits, Will Your Adjuster be Ready? - By Dan Dyce, (Earthquake Response Manger for CEA)
Earthquake Coverage and Handling Earthquake Claims - Dan Dyce, (Earthquake Response Manger for CEA)
Earthquake Damage Assessment and Repair - By John D. Osteraas (Principal Engineering & Practice Director/Exponent Failure Analysis for Menlo Park, CA)
Estimating Electrical Damage Losses – Donald Skaff (LWG Consulting Inc.)
Fraud: The Politics of Arson – Gil Minock Assistant VP (Amerisure Insurance Company) Sean O’Brien Atty/Shareholder (Bradshaw Fowler Proctor et al) David J. W. Proctor Atty/ Shareholder (Bradshaw Fowler Proctor et al) Robert Riede Atty/Shareholder (Bullivant Houser Bailey) Chris Van Vleet Special Agent/CFI (Bureau of Alcohol, Tobacco, Firearms
General Claims Handling Expectations – Dennis Wallen
Good Faith Claims Handling – Paul W. Burke Partner (Drew Wckl & Farnham, LLP) & Daina E. Kojelis (Zurich North America)
Hurricane Losses: Using Initial Scope and Reserve Analysis to Manage Expectations and Outcomes – David Wilde Adjuster (Wilde Claims) Elise M. Farnham (Illumine Consulting) Mark Kubena Engineer (Insight Engineering, LP)
Insurable Interest Problems in the Large Homeowners Claim – Billy J. Handsaker Regional Large Loss Representative III (Allied Insurance/A Nationwide Company) Robert C. Burrell Partner (Borgelt, Powell, Peterson, Frauen)
Inspection & Evaluation of Residential Roofing - Haag Engineering
IntegriClaim Expert Class - Nashville PLRB Conference
Preventing Leakage in Building Damage Estimates – Sam White (Travelers)
Property Mediation Strategies for Early Resolution - Monica O’Neill Attorney (Kent & McBride) Thomas B. Ruttler Attorney & Steve Zickefoose Regional Claims Analyst (Westfield Group)
Quality Claim File Notes – Steven J. Polansky Esquire (Marshall Dennehey Warner Coleman Goggin) & Keven Willging Esquire (St Paul Travelers)
Reconstruction in a Catastrophic Environment – Fred Frederick Manager of NGA Unit (AIG Domestic Claims) Dixon Grier CPA Partner(Matson, Driscoll, and Damico) James L. Wraith Atty/Partner Selvin, Wraith Halman)
Residential Roof Damage Assessment - Haag Engineering
Subrogation: Building the Case with Your Expert – Todd Denenberg Partner (Grotefeld & Denenberg) & Kenneth W. Robinson Regional Manager (LWG Consulting)
Transportation and Warehouse Losses: Coverage, Adjustment, and Subrogation – Marilyn Raia (Bullivant Houser Bailey PC)
Thorny Issues with Commercial Property Coverages – F.M. Bud Ferrer (Smith Smith Feeley LLP) and Kelly Taylor (CSE Insurance)
Water Damage Claims – Daniel Berazzani (Liberty Consulting) and Gerald Motejunas (Smith & Brink PC)
Valuation of Residential and Commercial Contents – Brian Kraynak (Liberty Mutual Insurance Company)
Wind vs. Wave Damage Assessment - Haag Engineering
Wood Roof Damage Assessment – Haag Engineering

Building Types Responsible for

Large and Small Farms, Warehouses, Restaurants, Highrise Condos (above 30 stories), Homeowners Associations, Master Homeowner Associations that had multiple smaller HOA’s under them, Apartment buildings, Golf Courses with Multiple buildings, Office Buildings, Large Schools with multiple buildings (high schools, JR high Schools, etc), Churches (large and small many with multiple buildings),  Mobile Homes, Mobile Home & RV Parks, Motorhomes and Camping Trailers, Duplexes, Fourplexes, Single Family, Large estate Single Family, Individual Condos and Townhomes.

Certifications (Some of)

Senior Professional Public Adjuster (SPPA) | PCCP | NFIP: Residential, MH, & Commercial NFIP # 30002970 | AmFam Commercial | Nationwide | Florida Citizens | Scottsdale | TWIA | THIG | USAA | HomeWise | Shelter | Southern Fidelity | Hanover | Capitol Preferred | Frontline | VPIA | Certified Umpire | CA. Earthquake Accreditation | Rope and Harness

Assignments Responsible for

Determining Cause of Loss (Damage), Photo Documenting Damages, Ordering/Hiring and Consulting with Experts as Needed, Educating Property Owners including dispelling myths, Measuring Accurately by hand (roof measurements could not be off more than an inch, interior measurements could not be off), Diagraming and dimensioning using Xactimate and IntegraClaim, Symbility (and its predecessor), Problem Solver (Insurance Companies Hired Me to Resolve problems when attorneys were imminent), Supervisor & TEAM Lead, Determining and Reporting Fraud and or Potential Fraud, RE-Inspections (often called “Clean Up” staying behind after other adjusters leave, re-inspecting usually because someone disagrees with the first adjuster), File Review/Desk Adjusting (reviewing independent adjusters work before it was submitted to insurance carriers), Creating Reports including but not limited to: General Loss Reports, Narrative Reports, Valuation Reports, Proof of Loss Reports, Property Reports, Photo Reports, and a multitude of Flood Reports. Kept detailed logs of each claim noting interactions with everyone involved with the claim and everything aspect I had involvement with to resolve the claim, kept accounting information such as expenses and time for expense billing. Worked with many types of software, MS Suite, Cad Programs, and much more. Xactimate (Estimating Software) Trainer, Assisted Indiana Insurance with Software Conversion when they were purchased by Liberty Mutual.

Experience w/ insurance companies.

Philip was not just an adjuster. Frankly adjusters are a dime a dozen. Philip was trained by the nations TOP ADJUSTERS and considered to be at the top of the craft. Insurance companies would hire Philip to resolve claim issues for claims that were headed to court and Philip was able to resolve them.

Philip was asked to train adjusters and consulted with insurance companies on estimating software, aerial imaging, and was hired by one insurance company that was purchased by a bigger insurance company to help then convert from IntegraClaims to Xactimate. 
These photos are not the biggest claims I have resolved nor are they the worst distruction I have
Held Licenses:
CT: 002344651
FL: E142538
 KY: 701492
LA: 572718
MI: 0539105
MN: 40165817
MT: 737393
OK: 40085025
OR: 220304
RI: 2083079
SC: 530096
TX: 1558071
UT: 332771
WA: 756389
WY: 198939
NPN: 8278905
States Worked in:
AL, AZ, AR, CO, CT, DE, DC, FL, GA, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NH, NJ, NM, NY, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, WV, WY, and Canada

Experience Matters

 Philip Weber's experience resolving claims is extensive. He has worked for or on behalf of all of the insurance companies you see to the left and even some that we did not include on the list.

In 2015 Philip started Claim Animalz because he wanted to help the public get fair property settlements.

Philip has consulted and provided expert services for property owners and their contractors since then.

Philip's clients average Claims Settlement was 3 times greater than the insurance companies initial offer.  Yes you read that right, three hundred percent more on average!
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Hire Claim Animalz

Turn the Tables

  • Less Worries, Less Headaches, Less Stress
  • Your time and your property are valuable
  • Underpaid claims result in improperly restored properties that require more maintenance and cost you more than properly restored properties.
  • Underpaid claims result in improperly restored properties that are worth less and have less appeal than properly restored properties. 
Do you want to take on the insurance company alone?
Click on this link to answer a few questions and Claim Animalz will review and contact you!
| P.O. Box 440837, Aurora, CO 80044  |
|  720 503 1880  |
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