PUBLIC INSURANCE ADJUSTERS
"...there is great increase with the strength of the Ox!"
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WE HANDLE THE WHOLE CLAIMS PROCESS FOR YOU!
Just go back to your life and we'll deal with all the hard stuff, and keep you updated along the way!
Tons of happy customers, and counting!
Easy Property Claim Experience that gets you ALL the money you are owed ⏤ that's our goal.
Garry & Pam Rogers
Stony Point, NC
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Get Answers to Frequently Asked Questions!
MESSAGE FROM BIG VAN...
"SO, LET ME GET THIS STRAIGHT...
I have a property claim and the insurance company is going to send someone to tell how much the claim is worth? And that's the same company that will have to pay for it? Uh... I don't think so!
At Fat Ox, we work for you, not the insurance company. Which means we are not trying to save the insurance company money! We make sure the value of your claim includes ALL costs and expenses to put your property completely back to pre-claim or better condition. Yes, you have to pay us, but even after our fee you will still have WAY more left over than you would have had without us!
For example: If your insurance company is offering you $60,000, would you rather have 100% of a $60,000 settlement, or 90% of a $100,000 settlement?
Call Fat Ox first and we'll take care of you throughout the whole claim" - Big Van (Host of "#AskBigVan Show" and founder of Fat Ox, Inc)
ABOUT BIG VAN...
Before "Big" Van Estes was the host of "The Ask the Ox Show" and "The #AskBigVan Show" (which is a popular entertainment webshow), he has been paying his dues in the Construction and Insurance Industries.
He started off building houses with his dad since before he was 8yrs old and grew up in the construction industry, starting his own business in 2001, later changing the name to Fat Ox in 2008 (See "What's With The Name" section about Fat Ox). Continuing to work with his father on various projects, as well as his own projects Van and Fat Ox have been featured in magazines and on T.V., winning Parade of Homes events and other accomplishments for high end quality and service. Now Van is a NASCLA Certified, and Licensed Commercial and Residential General Contractor licensing Fat Ox to perform large-loss projects across the Southeast.
In 2011 he was introduced to the world of insurance adjusting and committed to adding to his extensive construction knowledge by learning the ways of the insurance adjuster and the inner-workings of insurance companies. Through scores of successful property adjustments, both commercial and residential, he has a following of satisfied customers as well as numerous accomplishments. He is certified by the Federal Emergency Management Agency's NFIP Flood program, HAAG Engineering, and numerous Major Insurance Companies.
After more than 30yrs in the construction and insurance industries Big Van has finally decided to offer all of his knowledge to property owners, rather than to insurance companies. For this reason he has turned the main focus of Fat Ox, Inc on providing Public Insurance Adjusting services for property owners. He is very involved in most projects that Fat Ox works on and is readily available to our customers.
Van and his wife have been married since 1994 and they have 5 children.
ALREADY HAVE AN OPEN CLAIM?
99.9% OF CLAIMS WE REVIEW WERE UNDERPAID!
DO YOU HAVE AN OPEN OR PAST CLAIM AND WANT TO BE SURE THE INSURANCE COMPANY PAID YOU EVERYTHING THEY SHOULD HAVE?
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AT FAT OX, WE'VE SEEN IT ALL!
The Insurance and Construction Experience Of Our Public Adjusters Are Extensive!
Did You Know That We Have Contractor Partners (See Below)?
Fat Ox has numerous Contractors that we partner with to refer projects. These are companies that we have worked with in the past and feel confident in their abilities to perform high quality construction projects with top-level customer service. We would not recommend them otherwise.
Stony Point, NC
PRESIDENT - RCD CONSTRUCTION, INC.
Moravian Falls, NC
Frequently Asked Questions (FAQs)...
If you don't find your answers here, please contact us and we will provide answers quickly!
"If I hire my own adjuster do I have to pay them?
Yes, you pay Fat Ox a small percentage (15%-20%) off the top of the claim settlement, HOWEVER, even after our fee there is almost always WAY more left over than there would have been if we were not involved. Our average claim increase is about 38%, and that's after our fee.
"By the time I pay Fat Ox, will I have enough money left over for my repairs?"
As mentioned above, you almost always have more money than if you had not hired Fat Ox. In most cases Fat Ox has the insurance company pay for much more covered items of repair than a typical insurance company adjuster.
"Are Fat Ox Adjusters as knowledgeable and experienced as the insurance company adjusters?"
Most Fat Ox Adjusters were once insurance company adjusters and/or construction contractors. It is because of our knowledge of construction that we are able to show the insurance company many more items that need to be paid for, resulting in much higher settlements.
"What is a Public Insurance Adjuster?"
A Public Adjuster simple means we work for the general public and NOT for the insurance company. This term is interchangeable with a Private Insurance Adjuster. Ironically, both Private Adjuster and Public Adjuster mean the same thing, that we work for the interests of the property owner.
"What is the point of hiring a Public Adjuster?"
It's obvious the insurance company adjuster has the insurance company's best interest in mind. Fat Ox does not work for the insurance company and does not try to save them money. We only care about the property owner and helping them get enough money to do all their repairs properly.
"If my claim gets denied, how much does Fat Ox charge me?"
Nothing. Zero. Nada. We ONLY get paid as a small percentage of what the insurance company pays for the claim. Therefore, if we are not able to get you paid from your insurance company, then we do not get paid either.
"How do I file an insurance claim?"
Simple! Call Fat Ox and we file the claim, as well as handle every other part of dealing with the insurance company! You can be as much or as little involved as you'd like to be. Call Fat Ox first and we do it all for you!
"Can my Insurance Company contact me after I sign with Fat Ox?"
Once you are a Fat Ox client, you no longer have to deal with all the stress and headache, and going back-and-forth with the carrier. They must call us in order to discuss the claim. However, you can ALWAYS contact them whenever you like.
"Can Fat Ox help me with a past claim I've had?"
Absolutely! (Well, possibly) Depending on how long ago the prior claim took place, Fat Ox can review it and let you know if the insurance company still owes you money, then we can re-open it and request additional funds.
"Does Fat Ox also do the construction work?"
Yes and No. Most of the time if you need a contractor we will refer you to one of our partner contractors in your area. However, we do take on some large loss claims from time to time, if they fit our criteria.
"How much does Fat Ox Charge?"
We charge either 15% or 20% depending on certain criteria. If you have not filed the claim yet, it's almost always 15%. Our fee is a percentage of the total claim. We charge you nothing up-front or out-of-pocket. If the claim is from a declared catastrophic event, we will only charge you 10%.
HEY! Give us a call and talk with Tracy!
When you call us, usually the first person you speak with is our super-friendly office administrator, Tracy! She loves her job and looks forward to hearing from you! Try it, call Tracy!
What is a PUBLIC INSURANCE ADJUSTER in North Carolina?
Fat Ox is a Public Adjuster ( Also known as a Private Adjuster in NC) because we work for the general public and not the insurance companies).
At Fat Ox we are not encumbered by the insurance company's "best practices" when calculating the full cost of your repairs. Our adjusters are fully aware of insurance companies "best practices" because most of our public adjusters once worked for insurance companies and are familiar with all of their ways they try to save money. Insurance companies call them "best practices" but they are only "best" for them, and not for the property owner. Insurance companies are almost always willing to pay for items covered by the policy, but often their "best practices" do not include all the covered items UNLESS you know how to claim, or ask for the items. That's where a public insurance adjuster comes in. The public adjuster calculates the FULL list of covered items required to complete repairs and fully restore the insured. While most insurance companies are willing to pay for the FULL list of covered items there are a multitude of reasons why they don't. Maybe they don't think it's necessary if you don't ask for it. Maybe they didn't see all the damage. Maybe their adjuster messed up. And even sometimes, they might simply not offer it in order to save the company money (Of course this is very rare - wink, wink).
Most of the time though, it's simply that the insurance company just doesn't know what all the costs will be. The reason we are so successful at Fat Ox is because we have extensive knowledge of construction projects. With over 30yrs as General Contractors, and working on nearly every kind of construction project, we can see fully what an insurance property claim will require to be fully repaired.
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WHAT'S WITH THE NAME?
The word "FAT":
Throughout the Bible, most of the time when it mentions the word "Fat" it is talking about plenty, abundance, and success. For example:
"The soul of the sluggard desireth, and [hath] nothing: but the soul of the diligent shall be made fat." - Proverbs 13:4
"I will feed them in a good pasture, and upon the high mountains of Israel shall their fold be: there shall they lie in a good fold, and [in] a fat pasture shall they feed upon the mountains of Israel." - Ezekiel 34:14
The word "OX":
Life is not always easy, especially in business, but if you have the correct perspective then it helps keep your spirits high! This is why the following scripture means so much to us and the direct inspiration for the Ox part of our name:
"Where there are no oxen, the stall stays clean. But there is much increase with the strength of the Ox" - Prov. 14:4
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