Who pays for a public adjuster?

Technically, the policy holder pays the public adjuster, but most public adjusters charge a percentage of the final settlement. This means it is in the public adjuster’s best interest to get the policy holder the largest settlement possible. Though it might seem counterintuitive to pay a third-party when you are trying to maximize your compensation, the chances you will be treated fairly are increased when working with a public adjuster.

Who pays for a public adjuster?

Technically, the policy holder pays the public adjuster, but most public adjusters charge a percentage of the final settlement. This means it is in the public adjuster’s best interest to get the policy holder the largest settlement possible. Though it might seem counterintuitive to pay a third-party when you are trying to maximize your compensation, the chances you will be treated fairly are increased when working with a public adjuster.

Why do I need a public adjuster?

Insurance companies have adjusters working on their behalf and you deserve the same. A public adjuster interprets your insurance policy to determine what coverage you are entitled to and provides an analysis of the losses. Essentially, they are ensuring that you are treated fairly by the insurance company and that you get what you deserve. They might also have access to resources that can help you better support claim.

Why do I need help in filing an insurance claim?

It is possible to file your insurance claim on your own, but it is not advisable. This is because the average policyholder does not have the resources or experience that insurance company representatives have. As a policyholder, you deserve to have someone in your corner protecting your rights and ensuring you receive the compensation to which you are entitled. And because insurance policies are often complex and ambiguous, it helps to have someone with knowledge to help you sort through the details.

Will you help me receive a more prompt and satisfactory settlement?

Public adjusters do everything they can to ensure that policyholders receive a fair settlement as quickly as possible. Working with a public adjuster might extend the period of time it takes to ultimately settle your claim because of negotiations, but it will shorten the period of time it would take to negotiate a fair settlement on your own. Insurance companies want to settle for as little as possible as fast as possible and this results in cheating policyholders. Public adjusters protect against this.

What type of claims do you handle?

We are able to assist you in with claims related to a variety of different types of damage to your property, including fire and smoke, water damage from flooding or plumbing issues, sinkhole damage, and damage from weather or wind. If any type of manmade or natural disaster has caused damage to your property, it is a good idea to speak to a public adjuster so they can determine if your policy covers the damage.

My insurance claim is underway and I received an offer from my insurance company but I’m worried that the settlement amount is too low. Is it too late to hire a public adjuster?

No, it is not too late. As a matter of fact, you should have someone review the offer to make sure it is fair. If it is your first offer from the insurance company, chances are it is much lower than what you deserve and a public adjuster can help you determine a fair amount you should be seeking. A public adjuster can also help you negotiate the claim settlement and quickly settle the claim for the maximum amount.

Will I get a higher settlement if I hire a public adjuster?

Possibly. It is in the best interest of the public adjuster to get you as large of a settlement as possible because they receive their payment as a percentage of your settlement. Though working with a public adjuster does not guarantee a higher settlement, it increases the odds of getting one and ensures that the settlement you ultimately receive will be fair and based on the compensation you are entitled to as a result of your policy.

What is the difference between a Public Adjuster and the insurance company’s adjuster?

The primary difference is that a public adjuster is your advocate while an insurance company’s adjuster is working for the insurance company. Though it might seem as if the insurance company’s adjuster is in your corner, they are not. He or she is an employee of the insurance company and will do everything possible to protect the insurance company’s bottom line. A public adjuster is there to ensure you are treated fairly and that you receive the compensation you are entitled to.

Will I lose my coverage if I hire a Public Adjuster?

No. Hiring a public adjuster is perfectly legal and a perfectly normal thing to do. Insurance companies know that policyholders are entitled to working with their own adjuster, but it is not something they are going to encourage. However, they are not able to punish you by dropping coverage or increasing your rates if you choose to work with a public adjuster, even if they would prefer you not do so.

A public adjuster works with the issues you are facing full-time. Most have years of experience muddling through insurance claims. It is no secret insurance policies are complicated and difficult to understand when you do not work with them regularly. Having an expert on your side means you will have someone in your corner who understands what you are dealing with and who can direct you through filing a claim.

By hiring a public adjuster, you will have the protection you would not otherwise have. Public adjusters can prevent miscommunication and let you know if your rights are being violated. They are familiar with the techniques insurance companies use to protect themselves and can help you determine when these techniques cross a line.

Ensure Fair Value for Your Claim

It should come as no surprise that working with a public adjuster improves your chances of getting a bigger settlement. Chances are the initial offer you receive from your insurance provider is less than what you are entitled to. A Fisher Island insurance adjuster will make sure you do get what you deserve.

WE NEVER SETTLE FOR LESS
WHY SHOULD YOU!

Our Team of experts work hard to obtain the maximum compensation to repair your property

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Signs You Need a Public Adjuster

Certain warning signs can predict when you need a public adjuster. These are usually when the insurance company is not treating you fairly or you are not getting the full value of your claim. These signs include:

An inexperienced adjuster is assigned to your claim
Your assigned adjuster does not return calls or answer questions properly
The adjuster’s assigned value for a specific property is well below what you paid for it
You receive a check marked “full and final settlement” that is well below the damage to your property
Your claim does not include some of the damaged property you reported
Your claim has been going on for several months and there is no end in sight
Your property damage happened during a major disaster and an adjuster was brought in from another state to handle your claim

You do not have to wait to get completely frustrated with the claims process for these warning signs to appear. The sooner you bring in LMR Public Adjusters, the sooner we can get started on helping you recover the maximum amount available for your claim. Whether you are in Broward County, Palm Beach County or Dade County or any city in South Florida, we can help you. Our Public Adjuster offices are located in Hollywood and Boca Raton, but we have helped clients throughout the state of Florida.

How a Public Adjuster Can Help

If you have a property claim, you are already at a disadvantage. Insurance adjusters are trained professionals who negotiate claims every day. They have an intimate understanding of what is – and is not – covered in your policy, but they work diligently to reduce the value of claims. This is, after all, how insurance companies make money – by taking in more money on your premiums than they pay out in claims.

An experienced public adjuster can help balance the scales. Public adjusters are insurance claims specialists who work on behalf of policyholders to help people receive the compensation to which they are entitled as part of their insurance coverage. You have paid your premiums all these months and when you have a loss that is covered by your policy, you have the right to fair compensation.

LMR Public Adjusters will build and strengthen your claim by:

Carefully reviewing your homeowner’s policy
Evaluating damages
Taking pictures and video of your damages
Assessing your damage and the cost to repair it
Tracking the flow of insurance payments and amounts due
Communicating with the insurance company to expedite your claim
Negotiating with the insurance company on your behalf to secure a favorable settlement

Our clients often report receiving higher settlement amounts when they hire our public adjusters in Hollywood, Boca Raton and plenty of other areas in South Florida than they were offered without our help. Let us maximize the value of your claim. Call us today to get started.

Types of Claims We Handle

Our distinguished public adjusters can assist you with claims involving:

Damage to your residential property
Damage to your commercial property
Condominium damage
Water damage
Storm damage
Tornado damage
Mold damage
Fire damage
Flood damage
Wind damage
Plumbing damage and damage from burst pipes
Smoke damage
Sinkhole damage

For any type of loss you suffer, we will fight to recover your fair compensation. Contact us today for an experienced Public Adjuster.

We are on your side We will get you the maximum out of your claim

Call : (954) 603-7174
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What makes us different

Our business is Public Insurance Adjusting. We take the insurance claim woes off your shoulders, we estimate & calculate what we believe you are entitled to recover for your loss, and we negotiate a maximum settlement on your behalf. We routinely secure settlements higher than a typical policyholder would be able to recover on his/her own.

*Holiday Inn – Multiple roof leaks Insurance offered below deductible $10,000 LMR Settled the claim for $3.1 Million

*Trump Penthouse – Floor Damage Insurance offered $12,000 LMR settled for $325K

*High-rise Condo association Miami – Main sprinkler pipe burst Insurance offered $1.1 Million LMR settled for $4 Million

*Weston Estate – Sewer Pipe broke Insurance offered $7500 LMR Settled for $312K

*Boca Raton - Dishwasher leak under sink Insurance offered $6000 LMR settled for $58K

Free Claim Analysis

"FREE" One on One - No Obligation Consultation!

Our Public Adjusters will come to your home as we provide a free home inspection. Once we establish we can help you and its in your best interest to file an insurance claim. Speak with one of our Adjusters today to start your insurance claim!

We are available 24/7!

WE NEVER SETTLE FOR LESS WHY SHOULD YOU!

WE NEVER SETTLE FOR LESS
WHY SHOULD YOU!