Disaster Emergency Response
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Lender Placed Policy Claims

Let Us Handle the Constraints of Force-Placed Property Insurance Claims

Lender-Placed Insurance Policies, also known as “creditor-placed” or “forced-placed policies”, are property insurance policies placed by a lender (bank or mortgage company) when the property insurance policy lapses due to, for example, missed mortgage payments or failure to maintain proper property insurance. Lender placed policies allow the mortgage company to protect their interest in your property.

Policyholders who have a lender-placed policy may experience difficulty when trying to recover from their insurance company for a loss. These policies are extremely pricey and are limited to cover only the structure for damages, Your contents and liability is not covered. In rare circumstances, the case may be different as the insurance company may renew your existing policy, which may include structure, contents, additional living expenses/business income, and liability.

You Do Have Right to Equal Representation.

Even if you have a lender-placed policy, we can help, as long as you are listed as the insured on the policy. United Public Adjusters & Appraisers Inc. can manage the force placed policy claim to ensure that the claim is substantiated when a loss occurs. Each case is different, we would welcome the opportunity to review your policy and advise you on coverage.

Our expertise in policy language interpretation, professional negotiations along with knowledge of construction allows us to prepare, submit and manage property insurance claims on your behalf; ensuring to completely indemnify the loss.


When to call a Public Adjuster:

  • The claim is complex, and you just don’t have the knowledge/time to submit a claim.
  • The insurance company is not moving quickly to get you money for recovery.
  • Your business suffered building damage, business personal property damage,
    resulting in loss of income.
  • You need an advocate on your side to get you a fair and equitable settlement.
  • The insurance company denied your claim.
  • The insurance company unfairly underpaid your claim.

We’ve Got You Covered

We understand that submitting a claim properly can be overwhelming, especially when dealing with the constraints of a lender-placed policy. Our adjusters have years of experience adjusting force-placed insurance claims of all types of damages. United Public Adjusters & Appraisers guarantees to negotiate fiercely on your behalf to recover as much loss as possible. If you find yourself in the position of needing help with a lender-placed insurance claim, don’t hesitate to  reach out to our team.

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