Consistent Claim Services: About Us
Consistent Claim Services is a Public Adjusting, Appraisal, and Consulting Firm based out of the Denver Metro in Colorado. The founder, David Phalen, has worked in nearly every field related to the insurance industry over the years and it is his true joy to assist any who are looking to have their life made a little easier.
Examples of properties he has worked with include: HOA Communities, Skyscrapers, Industrial Complexes, Strip Malls, Medical Facilities, Marijana Labs/Grow Facilities, Secure Facilities, Entertainment and High Traffic Facilities, and Large and Complex Custom Homes (ranging from hundred-thousand to multimillion-dollar losses).
Examples of loss types he is very comfortable handling include: Hail, Wind (and related), Water, Fire, Smoke, Structural Damages, Hazardous Chemicals and Materials, Loss of Business Income and Extra Expense, and Law and Ordinance related costs.
Roofing types he is very experienced with include: TPO, EPDM, Built-up (with and without gravel ballast), Modified Bitumen (granulated and smooth), Tile (all types), Stone-Coated Steel, Metal Roofing (screw-down and standing seam), Wood Shingles and Shakes, Laminate Shingles (30 yr. through trilaminate), Impact Resistant Shingles, Organic Shingles, 3-Tab Shingles, T-Lock Shingles, and Other Specialty Roofing Types.
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Accurate & Experienced
Consistent Claim Services utilizes years of deep knowledge from working in the insurance property loss industry combined with a passion for research and objectivity to yield accurate loss handling. The focus is always on consistently excellent claim services, prompt communication, and efficiency working with any loss tasks. We are happy to work with Insurers, Insureds, their appraisers, or any of their representatives as needed and appropriate.
Zones of Knowledge
Insurance Adjusting (Active/Available)
Insurer…
- Independent Adjuster for around 50 insurers on residential and commercial large losses.
Insured…
- Public Adjuster on commercial large losses.
Insurance Appraisal (Active/Available)
Insurer & Insured
- Residential & Commercial Losses
Insurance Umpiring (Active/Available)
Years working with…
- Commercial large and complex losses (including, 100+ building HOA’s, Skyscrapers, Growhouses/labs, etc.)
- Residential (standard and custom built)
Insurance Loss Consulting (Active/Available)
Commercial Large and Complex Losses
Construction (Past Work/Not Available)
Managed…
- Restoration Company
- Mitigation Crews
Conducted Field Work in…
- Commercial Construction
- Carpentry
- Yard care
Consistent Claim Services
Based out of Colorado, we are licensed and available to handle any insurance property loss related work you may have need of us on, but we don’t limit ourselves to just Colorado. For services such as appraisal and umpiring, there isn’t any barrier to prevent us from immediately addressing needs for those services in a given state. For Adjusting and Consulting services, it may take 2-3 weeks to get licensing, bonding, and insurances set up for operations in that state, so notice and significant work are often factors.
Public Adjusting
Immediate Availability: Colorado & Texas.
Potential Availability: U.S. wide dependent upon notice and claim details.
Public Adjusting Billing: Contingent percentage of claim increase beyond ACV funds received at the time of contracting.
Insurance Appraisal
Availability: Colorado
Potential Availability: U.S. wide dependent upon notice and claim details.
Billing (insured & insurer): Hourly with a typical minimum and hours accruing at 1/10 hour increments. Hours in Excess of the minimum will be billed periodically or upon conclusion of services (depending on project size).
Insurance Umpiring
Availability: Colorado
Potential Availability: U.S. wide dependent upon notice and claim details
Billing: Hourly with hours accruing at 1/10 hour increments. Hours in Excess of the minimum will be billed periodically or upon conclusion of services (depending on project size).
Loss Consulting
Availability: Colorado
Potential Availability: U.S. wide dependent upon notice and claim details
Billing (generally): Hourly with hours accruing at 1/10 hour increments. Hours in Excess of the minimum will be billed periodically or upon conclusion of services (depending on project size).
Our Tenets…
1. Be Consistent
The majority of stress with any client lies within their concern about the quality of work product they are contracting to receive. Our clients should always feel comfortable in knowing that, when they hire us, their experience will always be a consistently excellent one. They will know that we are always pushing forward with our tasks, always available to provide updates or discuss concerns (as appropriate for the role we are hired for), and that we will never abuse the trust and faith they’ve placed in us.
2. Set Honest Expectations
By setting clear expectations from the start of any project, parties are able to plan accordingly and proceed based on the realities of a given process. We will provide reasonable expectations of how long processes typically last, thoughts on cost ranges, explain what each process involves, and we will walk through contingencies which may also affect each process.
3. Be Objective
Objectivity allows either side to easily support their position based on data instead of digging their heels in due to emotion. This mindset often allows for a resolution environment that both swift and just for both parties.
4. Be Available
Losses are often stress-inducing, frustrating, and full of uncertainties. Whether it be a simple question regarding a concern or a desire for an update on progress, it is our experience that a prompt response can go miles toward easing a client’s mind. We are here to make life a little easier for whoever should be in need.
5. Be Thorough
When we are brought on to a loss our focus is to capture the full value of the loss but also to ensure that if we are noting damages, we are providing plentiful photos and data to confirm the damage. Further, we do not want the insurer to pay more than what is reasonably owed and this means that we try to calculate the most efficient methodologies to address damages noted on a loss.
6. Be Professional
Processes aren’t personal, but they should be professional. We don’t take offense by anything that occurs in the process of a project we are working on because it’s just part of the job. We seek to always be polite, prompt, and efficient.
7. Be Timely
We move at a swift pace which is only tempered by the necessity to be accurate and provide any other parties a reasonable amount of time to complete work products that are necessary for the process at hand to be resolved. This means that we will be pleasantly persistent in keeping any process we are involved in moving forward.