A public adjuster provides an alternative to the insurance company’s adjuster when you need to make a property damage claim. Like the insurance adjuster, your public adjuster will inspect the damage, estimate the cost of repairs, and prepare and file a claim with the insurance carrier. However, the public adjuster works for you and represents your best interests, while the insurance adjuster is tasked with minimizing costs for the insurance agency. As a result, many people choose to consult with a public adjuster rather than relying on the insurance company’s adjuster.
Here are some common situations where you might want to consider hiring a public adjuster:
While engaging the services of a public adjuster is important, you should take your time and be sure you’ve found the right adjuster for your needs. Here are some essential questions to ask any public adjuster before signing a contract:
You can verify a public adjuster’s licensing status through the Florida Department of Financial Services website.
The fact that the adjuster lives elsewhere shouldn’t necessarily be a deal breaker, but if they aren’t local, you should inquire about how many cases similar to yours they’ve handled in the state. Ideally, you want to hire someone well-acquainted with state laws affecting your claim and other local issues.
Training and experience are very important when selecting a public adjuster. We recommend looking for an adjuster who has several years of experience, ample references, and considerable training. They should be able to talk at length about their education and experience and give examples of similar cases they’ve worked on recently.
Once you’ve learned about the adjuster’s professional background, do an online search to verify this information. A truly experienced adjuster who has spent significant time working locally should have a substantial number of local reviews on consumer sites. Be sure to read through at least some reviews to determine if they sound authentic and give specific examples. Additionally, it’s a good idea to call the adjuster’s references and consult the Better Business Bureau to check out their rating.
With this question, we recommend taking time to think about the answer before making a decision. Some people want to choose the least expensive public adjuster, and we do understand the need to save money. However, a more experienced adjuster often charges a little more than someone new to the industry, and their experience could help you secure a more consequential settlement.
You should also know that Florida limits public adjuster fees to 20 percent of the recovery – and this only applies to recoveries made after you sign a contract with the adjuster. If the insurance carrier already paid you, but the adjuster files another claim for the same incident and secures an additional check from the insurer, they can only charge fees on the amount they recovered, not the earlier payout.
There is one exception to the 20 percent rule: If your claim involves damage from a national disaster severe enough that the governor declared a state of emergency, then public adjuster fees are limited to 10 percent on claims made regarding this disaster.
There are many possible answers depending on a variety of factors. No public adjuster can say exactly how long any given claim will take to complete, but an experienced adjuster should be able to give you a ballpark idea, such as “2-3 months,” etc.
In most situations, claims with more damage or more expensive damage take longer than simpler claims. The adjuster will spend more time compiling evidence and writing up a claim if you have multiple instances of damage on your property as opposed to one or two. Additionally, the insurance company representative will spend more time carefully scrutinizing your claim and the included documentation if the claim amount is a higher number.
It’s not unusual for insurance reps to try to negotiate down to a lower amount or offer less compensation than you asked for. Your public adjuster will remind the rep of the extent of your damage and explain why certain repairs or replacements are necessary, handling the negotiation process so you don’t have to. This phase may also take a few extra weeks, but it usually results in a larger settlement than you would receive handling the claim on your own. While claims made with the help of a Brevard County public adjuster sometimes take slightly longer to complete, they also tend to be more lucrative, so it is often worth the wait.
Pinnacle Claim Services offers free claim evaluations, and we only charge you a fee once we’ve successfully recovered your claim. Our public adjusters are highly trained and experienced in multiple kinds of property damage claims, including fires, floods, hurricane or weather damage, mold, theft, and vandalism. They are fully licensed and insured, and always ready to provide you with references and reviews from our many satisfied clients. We hope you’ll contact us for a free evaluation and learn more about how we can assist with your property damage claim.
Living in South Florida, we are no strangers to natural disasters.
LET US PERFORM A FULL REVIEW OF YOUR INSURANCE POLICY TO MAKE SURE YOU HAVE THE CORRECT COVERAGE!
Insurance Policy Review
Insurance Claim Review
When disaster strikes, it can be difficult knowing where to turn or who to ask for help. Pinnacle Claim Services’ professional team of Florida public insurance adjusters and support experts are here to assist you throughout every step of your damage claim from emergency services and mitigation through final settlement.
Some of the most common issues people experience with insurance companies after property damage has occurred and a claim has been initiated include: unreasonable delay on the part of the insurance company, inadequate training of the insurance company’s adjusters and adjusters that are “so busy” that your claim gets zero attention and does not progress towards resolution. Additionally, you may not have the appropriate policy with the right type of coverage or limits.
There is no set time period for settling a property damage claim with an insurance company and each claim is different. You could receive a check in a few days or it could be a few weeks. Also, it may take multiple rounds of negotiations and payments for you to be adequately and justly compensated for your claim.
Absolutely not. Some companies do possess better reputations than others and there are some who consistently delay the process unnecessarily. It’s important that you comply with your “duties after the loss” (duty to mitigate etc.) Call us, we can help!
Pinnacle Claim Services will request a copy of your policy, file the proper paperwork for you, put together a comprehensive estimate of damages and negotiate a fair settlement Do not become emotionally burdened. Do not be denied money for repairs you deserve. Rely on Pinnacle Claim Services to work on your behalf, keeping you informed throughout every step of the process to get every penny you deserve from the insurance companies.
Firm License # W806323
THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT.
© Pinnacle 2024. All rights reserved.• SITEMAP