Boynton Beach Public Adjuster

A part of the Miami metropolitan area, Boynton Beach is a lovely city perfect for many outdoor activities. However, the location of Boynton Beach puts it at a significant risk of major flooding. Heavy rains are more likely to cause flooding, but hurricanes are also a possible risk factor.

Fortunately, most Floridians know that flood insurance must be purchased separately from a homeowner’s policy and have taken this step to protect their property. Still, the claims process is not without challenges. If your insurance company has rejected your property damage claim or offered you a much smaller settlement than expected, you may benefit from hiring a public adjuster.

What Are the Advantages of Hiring a Boynton Beach Public Insurance Adjuster?

When you hire a public adjuster for your Boynton Beach insurance claim review, they will survey the damage to your property and complete an insurance claim detailing the compensation you need, then submit it to the insurance carrier. This is similar to what an insurance company adjuster does, but with one crucial difference – the insurance adjuster works for the insurance company, and the public adjuster works for you. As a result, the insurance adjuster will try to minimize costs for their employer. They may not investigate your property damage as thoroughly as possible, or they might recommend a repair when a total replacement is the best option. For example, the insurance company might offer to pay for new roof tiles when the damage is extensive enough to require a whole new roof.

In contrast, your public adjuster doesn’t have to worry about cutting corners to save the insurance company money. Their job is to accurately estimate your damages and make a claim for the total cost of fixing them, including replacing components of your home or commercial property if necessary. The public adjuster will draft a complete claim and forward it to your insurance company, but the support doesn’t stop there. A public adjuster can also shoulder the burden of discussing your claim with the insurance company representatives, answering their questions, and negotiating with them to achieve the ideal settlement for your situation.

How Can You Find a Boynton Beach Public Claims Adjuster?

People connect with public adjusters in a variety of ways. Some search for one online, while others ask friends or family for a recommendation. If you live in an area that has recently seen significant flooding or another widespread property damage event (such as a hurricane), you might be visited by one or more public adjusters offering their services. There is no right or wrong way to search for a public adjuster, but it is imperative that you check the adjuster’s background and credentials before making a final decision.

Here are some tips for finding a good public adjuster:

• While you may be understandably concerned with your own insurance policies right now, you should also make sure the public adjuster is insured – for worker’s compensation, liability, and errors and omissions. This coverage will apply if the adjuster makes a miscalculation that causes a financial loss.
• Look up the public adjuster or adjusting firm on the Better Business Bureau’s website to see what kind of rating they have.
• Check for knowledge gaps. The more well-informed your adjuster is about your type of property damage, the better they can assist you with the insurance company. Ask how many similar claims the adjuster has handled, what objections the insurance company frequently has in these cases (insurance companies always have objections to at least some claims), and how the adjuster handles these challenges.
• It’s especially helpful to have an adjuster who understands insurance contracts and correctly interprets the often-confusing legalese in these documents. In some situations, a skilled adjuster can help increase the value of your claim by accurately interpreting a specific clause in your contract.
• You should also ask about experience, which often goes hand-in-hand with knowledge. Inquire about how many years the adjuster has been doing this work and if they know of any recent trends in the industry that might affect your claim.
• If a door-to-door solicitor seems pushy or insists that you sign with them right away, find a reason to end the conversation. No matter who you hire, it’s crucial to take your time and do research beforehand. If the adjuster pressures you to make a fast decision, that’s usually not a good sign.

How Much Should I Pay for a Boynton Beach Personal Claims Adjuster?

We understand that the cost of living has risen in recent years, and many people are concerned about costs. However, this should not be your primary concern when choosing a public adjuster for two reasons:

You Do Not Need to Pay Anything Upfront

Public adjusters charge a fee for the amount recovered from the insurance company. That means you don’t have to pay them anything when you hire them but will give them a small percentage of what you receive. The good news is that policyholders who use a public adjuster tend to have higher settlements, on average, than those who don’t, and in many cases, this will offset the fees.

Paying More for Experience May Be Worth It

A more experienced and astute adjuster may charge a little more, but often this knowledge base can help you achieve a larger settlement. If the difference is a few percentage points, but one adjuster has far more experience, you may be better off choosing the more accomplished adjuster.

What Are the Limits for Public Adjusting Fees in Florida?

In some states, public adjusters can charge as much as 30 percent, but Florida limits fees to 20 percent in most circumstances. If a natural disaster occurs (like a hurricane) and the governor has declared a state of emergency, fees on claims related to that disaster are limited to 10 percent for one year after the disaster declaration.

It is possible to negotiate with some public adjusters for lower fees, but again, you should remember that the most experienced adjusters may not go below a specific rate.

Will Hiring a Boynton Beach Public Insurance Adjuster Slow Down the Claims Process?

It depends on the situation, and it’s important to understand that several factors determine how long your claims process takes. In general, the more damage you have, the more time it will take the insurance company to review your claim and the associated evidence of damage. 

When you have the help of a public adjuster, they are usually very thorough and include as much evidence and detail in their claim as possible. They also tend to have higher estimates than an insurance company adjuster. These factors frequently cause the claims process to take longer, but the upside is that you’re more likely to receive a larger settlement. For many policyholders, receiving a more equitable settlement is worth waiting a little longer for payment.

Is a Boynton Beach Public Adjuster Needed in All Situations?

A public adjuster is beneficial for most insurance claims, but in some circumstances, it may not be necessary. If your damage is minor and relatively simple to explain and document, you may not need one. However, you should always consider seeking help from a public adjuster in these situations:

• If you have a high-value claim for a significant amount of damage, such as damage from a fire, hurricane, or flood.
• If your insurance company already sent an adjuster and their settlement offer seemed too low.
• If you feel the insurance company adjuster did a poor or incomplete job assessing your property damage.
• If your insurance claim was rejected and you believe this is wrong.

My Insurance Company Says They Hired an Independent Adjuster. Does That Mean I Don’t Need to Hire a Public Adjuster?

No. Regardless of what the insurance company calls their adjuster, this person still works for the insurance company and represents their interests. Securing your own public adjuster ensures that you have someone representing your interests.

Why Should You Choose Pinnacle Claim for Boynton Beach Insurance Claim Services?

At Pinnacle Claim Services, we strive to support you with your property damage claim. We hire only the most experienced and seasoned adjusters to provide the best possible service. Our adjusters have achieved settlements of tens of thousands of dollars for some of our clients – even in situations where the client already received a smaller payment or had their claim rejected. Additionally, our adjusters have the expertise to understand your insurance contract and answer your questions about what is and isn’t covered. We invite you to check out our references and reviews and take a look at our A+ rating from the Better Business Bureau.

If you’re unsure if you need a Boynton Beach public adjuster or simply want a second opinion after receiving a payment that seems too low, please call us for a free quote today. Our friendly staff is always happy to answer questions and schedule you for a consultation.