Yes, Your Insurance Company Underpaid Your Claim

Why is it important to work with a public insurance adjuster?

Nearly one in 20 homes or properties have a property insurance claim each year. The state of Florida has more property insurance claims than any other state with the exception of California. Because Florida has so many property insurance claims, it is important that you hire a public insurance adjuster to make sure you get the most for your claim to help you repair the damage to your property.

What Is A Public Insurance Adjuster?

Public adjusters sound like someone who might work for a property insurance company. However, that isn’t the case. A public insurance adjuster is an independent professional who does not work for insurance companies. Instead, a public adjuster works for you as an advocate for your claims to make sure you get all of the money you are entitled to under your policy.

Why Do I Need to Hire a Public Adjuster?

There are several reasons you need to hire a public insurance adjuster. First, you should hire a public adjuster because any claims adjusters your insurance company uses work for the insurance company themselves. They have the needs of the insurance company–and their profit margin– in mind first. By hiring a public adjuster, you will have your own experienced agent by your side to ensure you get the claim settlement you deserve.

Second, because public adjusters are independent adjusters. They are not emotionally involved in your property claim as you are. For example, if you have lived in your home for 15 years and you have roof damage or water damage from one of Florida’s many heavy storms, you are emotionally involved.

If you have gone round and round with your insurance company about the amount of your insurance settlement, it is hard not to be emotional.

Hiring a public adjuster to work will allow you to put the frustrating communication and stress out of your mind and focus on fixing your home.

Also, with any claim types, there are out-of-pocket expenses you may incur. This is especially true with hurricane damage, fire and smoke damage, or flood damage, because you have to try and minimize the damage to your home.

Insurance Companies are Prepared For Your Claim. Are Your Prepared to Communicate With Them?

Most people don’t have a lot of experience filing a claim or working with insurance companies. Therefore, they need to rely on insurance companies to handle the insurance claim. Insurance companies have years of experience in the industry, so they know where to save money and make profit. You need a licensed professional with years of experience to work on your claim so that your home can be repaired or replaced quickly.

In a time of crisis and damage to your home, the last thing you want to do is pay out of your pocket for yet another expert. However, one of the best reasons to hire a public insurance adjuster is because they usually don’t charge a fee for their services.

Instead, they will take their fee as a percentage of your total claim after the insurance company has paid out your rightful claim settlement. The more money you receive as a settlement for your claim, the better off you will be. This is an incentive for the public adjuster to work diligently for you and your claim to get you the most money possible.

So, How Do You Make Sure You Get All the Money You Deserve On Your Insurance Claim?

How do you begin to find the perfect public adjuster for you and your claim? First, check with the National Association of Public Adjusters for a list of public insurance adjusters in your area. That way, you know that your public adjuster has the experience to help you with your insurance claim, no matter how complicated your claim is.

Once you have a list of names, you can then ask around. Ask your friends, neighbors, or other contacts if they used a public insurance adjuster for a claim and if they would recommend the adjuster for your claim. This will help you narrow down the list of prospective adjusters you might want to use.

Although time is of the essence with homeowners’ claims, you need to take a little time selecting a public adjuster that will meet your needs . Some public adjusters specialize in specific insurance claims, such as hurricane damage claims, which is not unusual in Florida.

When you find the public insurance adjuster you want to use, be sure and take all of the documentation of your claim that you have. This will include your policy, information on the home and property inside the home–including your property lists, photos and videos of property; and documentation of phone calls, emails, and letters you may have sent to the insurance company. That way, your public adjuster can get to work on your claim immediately.

Contact Property Protectors to Work With Our Public Adjusters

Do you need help with a property insurance claim in Florida? You need to make sure you get the most amount of money for your claim possible. When you’re not sure where to even begin looking for a public adjuster, we can help. We would love to meet with you, view your claim and documentation. We’ll discuss with you how our public insurance adjuster will work to get the best claim settlement possible from your insurance company.

We can cut through all the red tape from your insurance company to get to the terms of the settlement. You’ll be able to stop stressing over paperwork, documentation, and constant checking to stay on top of your insurance company’s claims process. Give Property Protectors a call to schedule a free consultation and let us get started advocating for you today.