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      <image:title>https://www.myinsuranceadjuster.com/ - Get to know us.</image:title>
      <image:caption>Rick Carter has the proper training, experience, certifications, and know-how to help you settle your claim to your best advantage. He and his team have helped hundreds of property owners just like you. You don’t have to “go it alone”. With our guidance, you can have circumstances back in your favor. “Learn about our story, and why we can help you get the money you deserve.” Rick Carter</image:caption>
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      <image:title>https://www.myinsuranceadjuster.com/ - Is your property damaged? Do you need a Personal Adjuster?</image:title>
      <image:caption>Are you worried, stressed, or fearful you are being neglected or underpaid? Have you lost confidence in the claim process? We understand. We are a guide with decades of experience and a proven plan to put you back in control, and as your personal adjuster we’re licensed by the state of NC to represent your interests. We are a Public Adjuster that works for you, never the insurance company. Rick Carter</image:caption>
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    <lastmod>2024-01-18</lastmod>
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      <image:title>About Us &amp; Testimonials</image:title>
      <image:caption>"Mr. Carter was recommended to the staff of Atlantic Shores Management, LLC, nearly two years after a Hurricane damaged a condominium association under our care as Community Managers. We presented Mr. Carter a massive undertaking. The property had already been demo'd and mostly rebuilt. We gave him photos, estimates, and everything our insurance carrier was basing their payments on for reconstruction and restoration of the entire community. He was able to visually, and virtually, deconstruct the work performed in the interiors and on the exterior of all 38 units. His knowledge and experience were apparent before he ever stepped onto the property. He personally walked our staff through his process of assessing every aspect of the rebuild, and provided a wealth of information. Our staff has already asked Mr. Carter to inspect other properties in our trust, knowing that if disaster strikes, he will be our FIRST phone call. His professionalism is unparalleled. Rick, and his wife, Julie, are wonderful people. Their attitudes were contagious to a community in a state of disrepair and disaccord. Not only are they, both, extremely knowledgeable, but they also supported our staff with thoughtful reassurances every step of the journey. We could not recommend anyone more strongly. Thank you, Rick, for everything you have done for Atlantic Shores Management. We are more grateful than words can express. - Atlantic Shores Management, LLC. Kat Collins</image:caption>
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      <image:title>About Us &amp; Testimonials</image:title>
      <image:caption>“When hurricane Florence hit our condominium units in North Topsail Beach, N.C., we were devastated. Twelve of our five-bedroom beachfront condos sustained major damages. Our insurance company made an offer which seemed reasonable, but then later severely reduced the offer to a small percentage. This created great frustration and financial loss. Rick Carter of "My Insurance Adjuster" was highly recommended to us. Rick reviewed our HOA claim and told us there was still significant money on the table even beyond the original offer. Through Rick's attention to detail and decades of expertise, he more than doubled our insurance companies original offer. Rick was in constant contact with the insurance Co., handled all of the paperwork, visited the site on numerous occasions and in the end secured the payment of our claim. Rick was an essential asset when we really needed help. As the Home Owner Association president at the time of this loss I would absolutely recommend Rick Carter!!” — Jim D., HOA President and Commercial Real Estate Owner &amp; Property Manager</image:caption>
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      <image:title>About Us &amp; Testimonials</image:title>
      <image:caption>“Rick Carter stepped in to help our family after we had experienced a fire, at a time when emotions were strained. Thanks to his help we have received well over $200,000 from our insurance company. Rick immediately began to prioritize what needed to be done. He inspected our home, met with contractors, met with the insurance adjuster, reviewed and created estimates for repair, and met with our insurance company time after time to negotiate for more money on our behalf. Not only did Rick obtain funds for the cost of repairing our home but he also led the way in helping us document all of the damages to our furniture, clothing, electronics, and other contents. He has a friendly and exceptional team that assists him. When the time came to hire contractors for the repair, Rick guided us as we made these selections. We are so grateful for the service that "My Insurance Adjuster" has provided and heartily recommend their skills." — Harold &amp; Tammy M.</image:caption>
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      <image:title>About Us &amp; Testimonials</image:title>
      <image:caption>“After Hurricane Florence we attempted to deal with our insurance company directly. The process was slow and difficult. Initially we were told that our damaged roof would only need patched. Unhappy with the insurance company’s response we decided to hire Rick Carter. He was able to get the roof replaced and identified additional interior and exterior damage to our home that was overlooked by the insurance adjuster. Rick was able to more than double the money we originally received from the insurance company. We were impressed with Rick’s professionalism.” — Dr. Richard &amp; Marie A.</image:caption>
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      <image:title>About Us &amp; Testimonials</image:title>
      <image:caption>“I highly recommend Rick Carter when you are seeking a Public Adjuster. I can't say enough good things about him. We were having a terrible time with our homeowner's insurance company after a Hurricane. They were stonewalling, obfuscating, and blocking our claim at every turn. Thankfully, we hired Rick. He handled the insurance company for us. Once he came on board, we no longer had to deal with their nonsense and anti-customer behavior. Rick was able to secure more than we expected for our damages. We received a substantial payment from the insurance company solely because of Rick's diligence and expertise in these matters. He also always was the voice of knowledge, calm and solutions. Rick is intelligent, professional and on top of that, one of the nicest people we've ever worked with. Hopefully, we won't have to go through this again. But if even a whiff of this type of situation comes up, well, I have his number on speed dial. Hire Rick, he's the best. — Jeanne &amp; George W.</image:caption>
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      <image:title>About Us &amp; Testimonials</image:title>
      <image:caption>The owners were devastated. Although they were paid enough for structure repair, after 11 months only $12,000 in contents had been paid. Using pictures we recreated the contents and were able to negotiate a total payment to the owner of $197,000.</image:caption>
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      <image:title>About Us &amp; Testimonials</image:title>
      <image:caption>During Hurricane Matthew, this church experienced a disastrous flood, and was expecting to receive $50-60k. We were able to negotiate a maximum policy limit settlement of over five times that amount. Lumberton, NC</image:caption>
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      <image:title>About Us &amp; Testimonials</image:title>
      <image:caption>Hello Rick, Mary and I are writing to thank you for all of your efforts in helping us successfully recoup our losses related to hurricane damage to our beach rental property. We know it wasn't easy since many repairs had already begun before you were recommended to us by our builder. Your persistence and attention to detail enabled us to recover much more from our insurance company for both structural repairs and business losses than we could have ever done alone. We especially appreciate your responsiveness, how proactive you were in providing us with guidance/advice, and your expertise in communicating with the insurance companies on our behalf. We hope we never have to go through a similar experience, but if we do, we will definitely reach out to you - and will recommend you to anyone who needs assistance with an insurance claim. Thanks again for all of your help! Sebastian &amp; Mary F.</image:caption>
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    <lastmod>2024-01-24</lastmod>
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    <loc>https://www.myinsuranceadjuster.com/h-o-a-claim-specialists</loc>
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    <lastmod>2023-06-28</lastmod>
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      <image:title>Home Owner Association - Insurance claim help. - HOA CLAIM COMPLEXITIES</image:title>
      <image:caption>Home Owner Association claims can be difficult and fatiguing. Expansive commercial policies, covenants and agreements, and by-laws complicate the claim process. Often insurance adjusters are unaware of the complexities of the policy, and it is common for claims to be severely underestimated. Within the repair process there are issues of selecting dry-out and mitigation contractors, roofing, and build-back protocols. All of this responsibility falls upon the shoulders of the board of directors of the HOA. We have the experience, skill and know-how to guide your HOA board through the claim process, while following best practices for repairs and claim resolution. We partner with you to facilitate a successful repair process and claim resolution.</image:caption>
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      <image:title>Home Owner Association - Insurance claim help. - Your claim matters and deserves attention!</image:title>
      <image:caption>As a member of the premier association in the USA for Multi-unit housing and HOA’s, we stay abreast of HOA concerns and “best practices” for community boards, owners, management companies and stakeholders involved in an insurance claim.</image:caption>
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      <image:title>Home Owner Association - Insurance claim help. - INDIVIDUAL OWNER CONCERNS</image:title>
      <image:caption>While it is important that the exterior of the HOA Common areas are fully paid, it is also vitally important that the individual family and owners are also cared for. Individual property owner policies differ as do all insurance companies and adjusters. Items like cabinetry and appliances may or may not be included. In addition there is loss of use, additional living expenses, debris removal, business loss interruption and personal property to be accounted for. We have created a proprietary “tool kit” which can explain and walk each owner through the claim process with helpful sample guidelines, spreadsheets and suggestions on overcoming objections from your insurance company. This “HO6 Toolkit” is available to all HOA members of communities that retain us for help.</image:caption>
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