Loss Recovery Experts

Loss Recovery Experts Protect your investment with the insurance claim services from M. Patrick Sauer a Licensed Public Ad

Patrick Sauer a Licensed Public Adjuster and Loss Recovery Expert in Baltimore, Maryland. Most homeowners don’t know they can hire a Public Adjuster to represent them. By having an advocate for your interests, you‘ll get a better payout on your claim, sometimes two to four times as much as the insurance company’s initial offer.

After a fire, the emotional and financial stress can be overwhelming—and that’s exactly when insurance companies begin e...
04/02/2026

After a fire, the emotional and financial stress can be overwhelming—and that’s exactly when insurance companies begin evaluating your claim. Most policyholders don’t realize that insurance adjusters work for the insurance company, not for you. That’s where a public adjuster makes a critical difference.

A public adjuster works exclusively on your behalf to ensure your claim is properly documented, valued, and negotiated. Fire damage often goes beyond what’s visible—smoke, soot, structural issues, and hidden damages can significantly impact your payout if not identified correctly. Missing these details can cost you thousands.

Public adjusters understand policy language, coverage limits, and the tactics insurers use to minimize payouts. They help you avoid rushed settlements and ensure nothing is overlooked.

In a time when you should be focused on recovery, a public adjuster protects your financial future—making sure you receive every dollar you’re entitled to under your policy.

You don't go to court without a lawyer, and you don't buy a house without a realtor, so why would you attempt to negotia...
03/26/2026

You don't go to court without a lawyer, and you don't buy a house without a realtor, so why would you attempt to negotiate a high dollar insurance claim without a Public Insurance Adjuster? What you don't know about insurance will cost you thousands. Call me for a free consultation before you file your claim. You'll be glad you did.

11/06/2023

🔥 Unlock Your Full Insurance Claim Potential with a Public Insurance Adjuster! 🔥

🚨 Dealing with a complicated insurance claim? Feel like you're being left in the dark by your insurance company? It's time to take control of your claim and secure what's rightfully yours! Say hello to your secret weapon – a Public Insurance Adjuster!

💪 Here's why you NEED a Public Insurance Adjuster on your side:

1️⃣ EXPERTISE: Insurance policies can be a maze of fine print and jargon. Our seasoned experts are masters at deciphering the complexities, ensuring you receive the MAXIMUM payout.

2️⃣ YOUR ADVOCATE: Your insurance company has their interests in mind. We have YOURS! We fight tooth and nail to get you the compensation you deserve.

3️⃣ TIME-SAVER: Don't get lost in endless paperwork, phone calls, and negotiations. We handle all the tedious tasks, so you can focus on what matters most – getting your life back on track.

4️⃣ MAXIMUM PAYMENT: We know the ins and outs of the claims process. Our savvy negotiators will work tirelessly to ensure you get the FULL payout you're entitled to.

5️⃣ PEACE OF MIND: Sleep better at night knowing you have a dedicated ally in your corner, working tirelessly to protect your interests.

Don't settle for less than you deserve! With a Public Insurance Adjuster, you're investing in YOUR future. Let us help you navigate the insurance jungle and emerge victorious!

Ready to unleash the power of your insurance claim? Contact us TODAY and take the first step towards securing the compensation you're owed. 📞💼🌟

🌐 Website:

Hail damage is a coverable loss. If you have damage to your roof already and contemplated a replacement you should look ...
09/07/2023

Hail damage is a coverable loss. If you have damage to your roof already and contemplated a replacement you should look into filing a Hail Loss claim. Check out www.lossrecoveryexperts.net and utilize our new chat feature for a free consultation.

08/13/2021

You will learn more from this guy than any insurance adjuster from the insurance company. Why? Because he works for you the policy holder, like me. Enjoy@

It feels good to get a compliment. This client was offered 3k from the Ins. Co. and we got them an extra 32k. Now he wan...
02/15/2021

It feels good to get a compliment. This client was offered 3k from the Ins. Co. and we got them an extra 32k. Now he wants me to do a zoom mtg workshop with his whole parish to explain how public adjusting works and to help his parishioners understand what their declaration pages actually say and what they really cover. Getting a great settlement is awesome, but advocating, educating, and protecting the insured is a Public Adjusters first responsibility. What you don't know about insurance is likely costing you thousands of dollars. Call me if you need me!

Good evening Patrick my administrator will be getting in contact with you regarding our Zoom meeting to discuss insurance and recovery on losses. His name is Shannon Williams. Also I got a copy of the email from the insurance company stating that $35, 976.03 was approved and that it was being mailed out. You guy’s have done a great job thank you.

Maryland Insurance Administration Advisory on Business Interruption Insurance​BALTIMORE – The Maryland Insurance Adminis...
03/19/2020

Maryland Insurance Administration Advisory on Business Interruption Insurance

​BALTIMORE – The Maryland Insurance Administration is receiving a high volume of inquiries about Business Interruption insurance.

Business Interruption coverage is typically triggered under a commercial insurance policy when a covered risk / peril causes physical damage to the insured premises resulting in the need to shut down business operations. For example, if a fire damages a business and the business cannot operate during repairs, business interruption coverage would be available subject to the terms and limits in the policy.

Most policies require a waiting period of 24 to 72 hours before coverage begins and coverage continues for the reasonable period of time to restore the property and reopen, subject to the coverage limit of liability. Some commercial policies provide Business Interruption coverage when a business is shut down due to an Order by a civil authority. However, the policy still typically requires a physical loss from a covered peril as the underlying cause of the business shut down to apply.

All insurance policies have exclusions of coverage for risks that are too great to be underwritten at an affordable price. For example, commercial and personal property insurance policies typically contain specific exclusions for loss or damage caused by war, nuclear action and radiation. The potential loss costs from such perils are so extreme that providing coverage would jeopardize the financial solvency of property insurers. Global pandemics like COVID-19 usually fall into this category. However, policies can be different. We recommend that businesses review their policies and reach out to their insurance professionals with any questions.

The Maryland Insurance Administration would like to reassure Maryland businesses that we are closely monitoring insurance issues related to COVID-19. Our core mission is making sure insurance companies treat customers fairly and follow the provisions in their policy and applicable state laws. We are monitoring relief activity efforts aimed at assisting individuals and businesses at the local, state and federal levels. As information regarding relief programs becomes available, it will be posted on our website:

08/31/2019

Before law school, I worked for nearly two years at the Florida Division of Emergency Management. During major events, I served on the State Emergency

08/16/2019

Hurricane Michael policyholders, public adjusters, contractors and agents must check their policies to make certain that there is not a one-year deadline

11/16/2018

Possibly. Many policies exclude or limit coverage for interior water damage unless there is evidence of a wind-created opening in the roof, outside wall, d

Address

204 East Joppa Road, 417
Towson, MD
21286

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14103820913

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