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Dottrio Public Adjuster Services now available in DC, VA, and PA

posted Jun 24, 2015, 3:40 PM by Dottrio LLC   [ updated Aug 21, 2016, 4:35 PM ]

Dottrio proudly announces the addition of Public Adjusting services in Washington, DC, Virginia, and Pennsylvania. Should you or someone you know experience a property damage loss in MD, DC, PA, or VA we can assist you in obtaining the maximum settlement available under the terms of your insurance policy. Dottrio is a locally owned and operated business with an extensive network of pre-screened Contractors, Contents Restoration Companies, and Temporary Housing Vendors. We truly are the one call you need to make when you suffer a property damage loss at your home or business. Our extensive experience allows us to quickly evaluate your claim and determine the appropriate course of action. Whether your loss is caused by Fire, Water, Wind, Hail, or some other peril we are here to help. 

Call us 24 hours a day, 7 days a week at: 1-844-dottrio (1-844-368-8746) for immediate assistance.

Our A+ rating from the BBB speaks to our commitment to treat each clients loss as if it were our own. 

To learn more about Dottrio please visit our profiles at:




Contact us now for expert assistance on your property loss.

Hail and Wind Storms arrive with force in 2015

posted Jun 24, 2015, 3:04 PM by Dottrio LLC   [ updated Jun 24, 2015, 3:42 PM ]

At Dottrio our extensive experience makes us the top choice for Maryland residents and businesses who find themselves with storm damage as a result of the strong winds and large hail we have encountered in the area recently. All potential clients will receive a no cost, address specific storm report for their particular property. The storm report serves as the first piece of evidence needed for a successful insurance claim. Should we be able to determine that recent hail or wind was capable of producing damage at your address we will assist you in recovering the maximum amount allowed under the terms of your insurance policy. We can even refer you to licensed and qualified Contractors with A+ ratings from the BBB to perform any necessary repairs. In order to request your no cost, address specific storm report please utilize our contact form and type "storm report" in the section marked "how can we help you?". Contact Us

2015 Maryland Hail Storm impact locations include:

Lutherville Timonium
Cockeysville
Dickerson
Beallesville
Phoenix
Jacksonville
Hunt Valley
Baldwin
Glen Arm
Hydes
Sparks Glencoe
Owings Mills
Gaithersburg
Brandywine
Hughesville
Mechanicsville
Clinton
Fort Washington
Burtonsville

If you live in one of the above areas contact us asap for your no cost address specific storm report. The best part about working with Dottrio is you can still hire your own Contractor once we help you recover the maximum amount allowed under the terms of your insurance policy. If you prefer we will also provide you with pre-screened Contractors with A+ ratings from the BBB. 

October is National Fire Prevention Month!

posted Oct 8, 2014, 11:31 AM by Dottrio LLC   [ updated Oct 8, 2014, 11:34 AM ]

Dottrio supports National Fire Prevention Month
Working on fire claims as a Public Adjuster opens ones eyes to just how many dangers exist in our homes. Typically house fires are caught and extinguished before they result in extensive structural damages to a home. That doesn't mean these smaller fires aren't life changing experiences. In many cases the responding fire department will cause extensive damage to your home in an effort to prevent the spread of the fire and to preserve life. This damage in many cases will push what at first glance appears to be a small fire into a six figure loss. Your insurance company will in most cases immediately send out Mitigation & Restoration Contractors along with Housing and Contents specialists to "assist" them with your loss. The key point here is that this group of companies is brought in to assist your insurer with the loss. The insurers team of companies work for them on an ongoing basis and get lots of work from your insurer. These companies would like to keep that constant stream of work coming their way. The best way for them to guarantee that they will remain on the insurers preferred vendor list is to perform their tasks with the insurers best interests in mind. As a property owner it is important for you to remember that what is in the insurers best interest is not usually the same as what is in your best interest. Your homeowners policy most likely allows for you to be restored to a "pre-loss" condition which means the band-aid fixes suggested by your insurer and their preferred vendors are less than what you are entitled to. The insurer is confident that they will generally pay less than they owe on the vast majority of claims. The insurance policy is a "Contract of Adhesion" and it is written by your insurers team of lawyers to protect their best interests. In other words the insurer writes the terms of the policy (contract) and you have to agree to their terms in order to receive coverage from the insurer. Most homeowners have no idea that the the burden of proving a loss is their responsibility. This is exactly the way insurers like it. If you don't know that you are supposed to prove the amount of your loss you are very unlikely to be successful in obtaining what you are owed under the terms of your policy. In addition to the policy working against you the insurer stacks the deck by bringing in all of the previously mentioned "experts" who will tell you they are working for you when in fact that is not at all what they are doing. If these vendors attempted to represent your best interests their relationship with your insurer would quickly evaporate. Most homeowners have no idea how to level the playing field. Most homeowners have no idea what a Public Adjuster is or that they should hire their own Contractor and not use the insurers Contractor until it is too late. It is also important that when choosing a Contractor you hire someone who has experience with insurance claims and is capable of working well with your Public Adjuster. Common Google searches in fire losses often come days, weeks, or months after the insurer has begun to show its true colors. Terms such as: Insurer denied my claim, Insurer underpaying fire claim, insurance claim help/assistance, and should I hire a Public Adjuster?, are usually entered into the search box after issues arise. If you are thinking about filing an insurance claim the best thing you can do is have it handled from beginning to end by an expert. Call a Public Adjuster before you call your insurance company. Don't sign anything with the providers suggested by your insurer. Always keep in mind that while the insurance adjuster may be a nice person they have duties and performance expectations placed upon them by your insurer that conflict with your best interests. 

In Maryland, unlike in many states, a licensed Public Adjuster can also be a licensed General Contractor. Dottrio is the first and only company in Maryland to hold both licenses. The advantage you receive as a Dottrio client with a Maryland fire loss is obvious. At Dottrio you get insurance policy and damage restoration expertise with a single phone call. Contact us today at 301-971-4040, admin@dottrio.com or click here: CONTACT US

We look forward to serving you.

Dottrio Public Adjuster client saved from house fire by hero dog!

posted Aug 30, 2014, 3:32 PM by Dottrio LLC   [ updated Aug 30, 2014, 3:35 PM ]

Aries the Hero Dog
A Dottrio client was recently impacted by a house fire in Prince Georges County, Maryland. The story had a happy ending due to a hero dog named Aries. Below is the post from the Washington Humane Society blog detailing the heroism of Aries. Please visit the Washington Humane Society website to donate funds in the name of Aries the Hero dog or consider adopting a pet yourself. They may just save your life.

Aries the Hero Pup

Denise and Shervonne couldn’t have predicted the importance of their visit to the Washington Humane Society. They certainly didn’t think that it would save their lives.

In May 2014, Denise and her daughter Shervonne stopped by our New York Avenue Adoption Center to meet a few dogs. A three-month-old lab mix had recently arrived, surrendered by a previous owner who could no longer care for her. Slightly nervous, but very friendly, the small pup soon stole the hearts of the two women, and found herself on her way home for good. Aries, as she was soon named, quickly became a loving and loved member of her new family.

Then on July 7, around 2:00 am, the unexpected happened. Denise was awoken by ear-splitting barking. Aries was barking as loud as she could! On alert, Denise feared there might be an intruder in the house. She looked up, and noticed that the ceiling vent was on fire!

Despite their panic, the family quickly gathered together and ran outside, just as all the lights and the power went out in the house. Aries’ keen detection and ability to alert her family gave them just enough time to escape the fire safely. Somehow her senses told her that something was wrong, and that she needed to alert her family. She was able to do this all before the smoke alarms ever went off. Blog - damage

Today, the family is in a temporary apartment, waiting for their house repairs to be complete. They are hoping to be back at home before the end of the year. Thanks to Aries, the family all made it out safely and Denise tells us that, “She is our hero, and brings us so much joy.”

While the family made it out OK, many of their belongings did not, including Aries’ new collection of toys.  As a token of our appreciation, WHS is hosting a toy and treat drive for Aries and her friends still waiting for their forever homes. Stop by to visit our animals and drop off your gifts at our New York Avenue Adoption Center, located at 1201 New York Avenue, NE.

With your help, we will present Aries with a bountiful thank you gift for her heroism!

To donate visit the link below and click "donate" on the right side of the page.

Dryer Vent Fires

posted Aug 30, 2014, 3:03 PM by Dottrio LLC   [ updated Aug 30, 2014, 3:05 PM ]

Dryer Vent fires are avoidable
Clogged dryer vent in Maryland - Common source of house fires

■ An estimated 2,900 clothes dryer fires in residential buildings are reported to U.S. fire 
departments each year and cause an estimated 5 deaths, 100 injuries, and $35 million in 
property loss.
■ Clothes dryer fire incidence in residential buildings was higher in the fall and winter months, 
peaking in January at 11 percent.
■ Failure to clean (34 percent) was the leading factor contributing to the ignition of clothes 
dryer fires in residential buildings. 
■ Dust, fiber, and lint (28 percent) and clothing not on a person (27 percent) were, by far, the 
leading items first ignited in clothes dryer fires in residential buildings.
■ Fifty-four percent of clothes dryer fires in residential buildings were confined to the object of 
origin.

Property damage inspections by Dottrio's Maryland Public Adjusters frequently result in one common source of potential house fires; clogged dryer vents. As shown in the photos to the left lint and other debris can and will become trapped in dryer vents through normal use. The resulting air flow deficiency can quickly lead to overheating and ultimately to a fire. These fires can result in significant property damage, injuries, and even the loss of life. If you need more reason to inspect your dryer vent system consider the following: A dryer with lint and other debris in the vent system will take longer to dry clothes as moisture is unable to escape through the vent system. This blockage in the vent system will lead to increased utility bills and much longer drying cycles. These longer run cycles will result in a decreased life expectancy of your clothes dryer. Expensive utility bills, repairs, and appliance replacements are usually not high on the want list of most consumers. At Dottrio our first concern during a property damage inspection is your safety and avoiding further damage while identifying all problem areas in your home or business. Consultations and damage inspections are available at no cost to you and may just save a life. If you would like to have your home inspected for damage that would be covered under the terms of your insurance policy please contact us today at 301-971-4040.

Please feel free to download the report below to learn more about dryer vent fires and how to avoid them.

ONE HAIL OF A YEAR THUS FAR IN MARYLAND

posted Jul 10, 2014, 9:05 AM by Dottrio LLC   [ updated Jul 10, 2014, 9:06 AM ]

Damaging thunderstorms have produced large hail and strong winds this year leading to significant damage to roofs and siding on homes and businesses throughout Maryland. Most of this property damage will not be readily apparent to the untrained eye with the exception of tree falls. Dottrio - Maryland's Public Adjuster is now accepting claims in the following areas: LaPlata for a hailstorm that occurred on May 21, 2014 which brought 1.50" hail. Other areas with extensive hail damage include: Brookeville, MD (1.75" Hail - golf ball size); Woodbine, MD (1.75" Hail - golf ball size) Clarksville, MD (1.75" Hail - golf ball size); Highland, MD (1.75" Hail - golf ball size), Shady Side, MD (1.50" Hail - ping pong ball size), Solomons, MD  (1.75" Hail - golf ball size), Glenelg, MD (1.25" Hail - half dollar size), and California, MD (1.25" Hail - half dollar size) for a hail storm that occurred on May 22, 2014. June 16, 2014 brought 1.25" hail to Myersville and Middletown. July 2, 2014 brought large hail to the areas of: Bel Air North 1.50", Forest Hill 1.25", Fallston 1.25", and Bel Air 1.25". July 3, 2014 brought large hail to Mt. Airy 1.75", and Green Valley/Monrovia 1.50". July 9, 2014 brought large 1.50" hail to New Windsor, MD. When your home is damaged it is important to choose the very best to assist you in the insurance recovery process. We assist you in the documentation of your damages by making sure that your insurance company pays you what they owe.  Our credentials and extensive experience in the insurance restoration process provide property owners with the best possible chance at a successful insurance claim. Some insurance companies allow only six months to file a claim so it is important that you have your home inspected as soon as possible. Even if you don't see damage it may be there. Call us for your no cost no obligation inspection before you call your insurance company. If you do not have sufficient damage you will not benefit from filing a claim so let an expert inspect your home before you make any decisions. The insurance claims process can be challenging to the point of being overwhelming for most property owners so a licensed Public Adjuster is your best bet in these situations. As the only Public Adjuster firm also licensed as a General Contractor we offer expertise no one else can match. We are confident in saying that we are the best credentialed firm specializing in storm damage in the State of Maryland. We look forward to serving you. Contact us immediately to schedule via the web at: http://www.dottrio.com/contact-us or call 301-971-4040 or email us at admin@dottrio.com We look forward to serving you.

We specialize in hail storm damage to roof and siding in Maryland.

Severe Weather impacting Maryland in 2014

posted Jul 3, 2014, 4:18 PM by Dottrio LLC

If you are a Maryland resident or business owner chances are you have seen a significant amount of severe weather this year. A strong wind storm hammered the entire Mid-Atlantic region on March 12, 2014. On May 22, 2014 severe hail impacted the Howard County towns of Clarksville, Highland, Dayton, Glenelg, Fulton, Scaggsville, and North Laurel. This storm also impacted the Montgomery County towns of Brookeville, Damascus, and the Frederick County town of Green Valley. June 10, 2014 brought flash flooding to the Prince Georges County towns of Berwyn Heights and College Park leaving some property owners stunned with water exceeding five foot in depth in basements. June 16, 2014 saw large hail fall in the Myersville and Middletown communities in Frederick County, MD. June 18, 2014 brought strong winds to Prince Georges and Anne Arundel Counties causing trees to fall damaging numerous cars, homes, and businesses. So far July 3, 2014 has brought large golf ball sized hail to the Mount Airy area of Carroll County, MD with more storms expected tonight as well as on the Fourth of July. These events all lead to dangerous conditions and vast amounts of property damage. Hail damage and wind damage is often not evident to the untrained eye. Water damage is often concealed inside walls and under floors. The vast majority of homeowners and business owners are not aware of the damage to their property and will eventually pay for property repairs out of their own pockets. Insurance will cover most of these repairs but only if claims are filed in a timely manner and with sufficient proof of loss. You may not be aware but most policies will only cover your damage if you file a claim within a specified period of time. You are also likely unaware of the fact that you as the policyholder are responsible for proving your loss. The best way to determine if you have damage is to have your home inspected by a professional who specializes in insurance claims. An expert Public Adjuster will quickly be able to identify your damages, assess your coverage, and ensure a timely claim filing. If you think you may have been impacted by one of the weather events described above or have suffered property damage from some other covered peril such as: fire, water, burglary, or vandalism contact us today to schedule your no cost inspection and consultation. You may be eligible to receive thousands of dollars owed to you by your insurance carrier. 

Call us at 301-971-4040, Email us at: admin@dottrio.com or fill out or contact form online at: www.dottrio.com

We look forward to serving you. 

Maryland Hail Reports 5/22/2014

posted May 23, 2014, 3:52 AM by Dottrio LLC   [ updated May 23, 2014, 4:46 PM ]

If you are in or near one of the areas listed below you likely have damage to your roof, siding, and exterior trim. Fill out the contact form today to schedule a no cost, no obligation hail damage inspection.

Maryland Hail Reports 5/22/2014

1.00 HIGHLAND HOWARD MD QUARTER SIZE HAIL REPORTED NEAR HIGHLAND. (LWX)

1.00 BRINKLOW MONTGOMERY MD QUARTER SIZE HAIL REPORTED NEAR BROOKEVILLE. (LWX)

1.00 DAYTON HOWARD MD QUARTER SIZE HAIL REPORTED NEAR DAYTON. (LWX)

1.00 GLENWOOD HOWARD MD QUARTER SIZE HAIL REPORTED NEAR ROXBURY MILLS. (LWX)

1.00 DAMASCUS MONTGOMERY MD QUARTER SIZE HAIL REPORTED IN FRIENDSHIP. (LWX)

1.00 MONROVIA FREDERICK MD QUARTER SIZE HAIL REPORTED NEAR GREEN VALLEY. (LWX)

1.00 CHEWSVILLE WASHINGTON MD PENNY TO QUARTER SIZE HAIL REPORTED IN MOUNT AETNA. (LWX)

1.00 HAGERSTOWN WASHINGTON MD (LWX)

1.25 HIGHLAND HOWARD MD QUARTER TO HALF DOLLAR SIZE HAIL REPORTED NEAR HIGHLAND. (LWX)

1.25 GLENELG HOWARD MD HALF DOLLAR SIZE HAIL REPORTED NEAR ROXBURY MILLS. (LWX)

1.75 SOLOMONS CALVERT MD GOLF BALL SIZE HAIL REPORTED AT SOLOMANS ISLAND. (LWX)

1.75 HIGHLAND HOWARD MD GOLF BALL SIZE HAIL REPORTED NEAR HIGHLAND. (LWX)

1.75 HIGHLAND HOWARD MD GOLF BALL SIZE HAIL. (LWX)

1.75 HIGHLAND HOWARD MD GOLF BALL SIZE HAIL REPORTED NEAR HIGHLAND. (LWX)

1.75 GLENELG HOWARD MD (LWX)

1.75 GLENELG MONTGOMERY MD GOLF BALL SIZE HAIL REPORTED IN BROOKEVILLE. (LWX)

SEVERE WEATHER & HAIL IN MARYLAND - MAY 22, 2014

posted May 22, 2014, 3:18 PM by Dottrio LLC   [ updated May 23, 2014, 4:47 PM ]

Severe weather throughout the region today will lead to a great deal of storm damage to homes and businesses throughout Maryland. Most of this property damage will not be readily apparent to the untrained eye. Dottrio - Maryland's Public Adjuster is now accepting claims in the Brookeville, MD (1.75" Hail - golf ball size); Woodbine, MD (1.75" Hail - golf ball size) Clarksville, MD (1.75" Hail - golf ball size); Highland, MD (1.75" Hail - golf ball size), Shady Side, MD (1.50" Hail - ping pong ball size), Solomons, MD  (1.75" Hail - golf ball size), Glenelg, MD (1.25" Hail - half dollar size), and California, MD (1.25" Hail - half dollar size) areas for hail storm damage occurring on May 22, 2014. When your home is damaged it is important to choose the very best to assist you in the insurance recovery process. We assist you in the documentation of your damages by making sure that your insurance company pays you what they owe.  Our credentials and extensive experience in the insurance restoration process provide property owners with the best possible chance at a successful insurance claim. Some insurance companies allow only six months to file a claim so it is important that you have your home inspected as soon as possible. Even if you don't see damage it may be there. Call us for your no cost no obligation inspection before you call your insurance company. If you do not have sufficient damage you will not benefit from filing a claim so let an expert inspect your home before you make any decisions. The insurance claims process can be challenging to the point of being overwhelming for most property owners so a licensed public adjuster and general contractor is your best bet in these situations. We are confident in saying that we are the best credentialed firm specializing in storm damage in the State of Maryland. We look forward to serving you. Contact us immediately to schedule via the web at: http://www.dottrio.com/contact-us or call 301-971-4040 or email us at admin@dottrio.com We look forward to serving you.

We specialize in hail storm damage to roof and siding in Maryland.

The Insurance Loopholes That Public Adjusters Maximize On

posted Feb 27, 2014, 12:45 PM by Dottrio LLC   [ updated Mar 26, 2014, 9:45 AM ]

Insurance companies have always marketed themselves by portraying their companies as honest, 'charitable' organizations ready to help you in case of any peril. Although they are helpful in protecting assets, they are still businesses. That means their main goal is making profit and staying in business. The only way they can do this is ensuring that the pay outs are far much lower than the overall premiums being paid.

One of the tricks insurance companies use to do that is introducing loopholes to help them avoid compensating some of their clients when claims are filed. Fortunately for them, most people do not pay attention to the 'fine print' before signing insurance papers. They therefore willingly commit themselves to insurance contracts without a comprehensive understanding of the terms and prospective 'loopholes'. 
So, what happens when you file for a claim and you are shocked to find out that you cannot be compensated because of a particular loophole? That's exactly where public adjusters come in. They challenge the insurance companies on the loopholes to negotiate for a fair compensation. Some of the common loopholes they deal with include:

Double Tragedies

Some people lose their property through double tragedies. For instance, your house may be hit by a hurricane and still get swept up by floods. In such a case, some insurance companies can only compensate you if both tragedies are covered regardless of the sequence in which the tragedies occurred. Therefore, if you were covered for hurricanes but not floods, your claim will probably be turned down. Public adjusters however, can negotiate your claim to help you avoid falling victim to such a loophole.

Pre-existing Conditions

Many insurance companies will not compensate you if you file a claim for a condition that existed prior to being insured. For example, a cancer patient may not benefit from his health insurance if the insurance company discovered that he had already been diagnosed prior to applying for the insurance cover. Many times insurance company adjusters mistakenly associate new damage to a pre-existing condition, when they are actually unrelated. In other words, a homeowner might have their claim wrongly denied under a pre-existing condition. Public adjusters are very helpful especially in cases where the victims were not knowledgeable on the existing condition, and how damage is evaluated.

The best way to avoid falling victim to such loopholes is comprehensively reading the policies on the respective insurance covers. Do not sign anything without comprehending the terms and conditions. In addition, if you think you are thinking of filing an insurance claim, contact a public adjuster.

By Robert Calisti

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