Get a Public Adjuster Near Me
Filing a Hallandale Beach insurance claim is often a long and confusing process for property owners. Florida’s average home insurance rate is $3,643, a marked $1,338 more than the national average. You might think that because you diligently pay more in insurance month after month, year after year, that your insurance company would be nice and friendly when you have to make a claim. Sadly, many property owners do not find out how unhelpful their own insurance company is until they have sustained sizeable damages and are encountering difficulty with their claim.
A good Hallandale Beach public adjuster will help you fight for fair compensation and guide you through the claims process. While we cannot guarantee a higher award, many of our clients have received much higher insurance settlements after they have retained LMR Public Adjusters.
The Consequences of Not Having a Hallandale Beach Public Adjuster Help You
It is important to understand that your interests and the insurance company’s interests are directly opposed when you file an insurance claim, even if it is your own insurance company. Insurance companies are for-profit businesses that make money by receiving more in premiums than they pay out in claims. They train their adjusters to deny as many claims as possible. For the others, they try to minimize the value of the claim. This arrangement poses many potential consequences to insured individuals, including:
- Denied claims based on erroneous information
- Statements that coverage is not available for damages that should be covered
- Inaccurate estimates on the cost to repair or replace damaged property
- A lower amount of compensation for the covered damages.
What to Expect with an Insurance Claim
When you make an insurance claim, the process will likely entail the following steps:
- The claim. You will notify your insurance company about the damage you sustained and provide a brief set of facts about how it occurred, such as noting a recent storm or a house fire, for example. This will begin the claims process and you will likely receive a letter or email that summarizes this information.
- Review of your insurance policy. The claims adjuster assigned to your case will review your insurance policy to determine if the damage occurred as a covered event. You may receive communications from the insurance company that references certain provisions in your insurance related to the claim. You should also carefully review your insurance policy, especially your “declarations page” that details the coverage you have. Do not simply take the adjuster’s word for it. Take the time to read over your coverage details.
- Investigation. An insurance representative may be sent out to inspect the damage to your property in person.He or she may take photographs and video of the damage. An adjuster may ask follow-up questions or ask for additional documentation to gather more information.
- Offer. The insurance company may make an offer for your damages. You can accept the offer, outright deny it, or try to negotiate for a better figure.
- Settlement. Once you reach an agreement with the insurance company, you will settle your claim, and the insurance company will issue payment to you or a third party.
Ways to Maximize Your Award
If you believe that the estimate the insurance company is making for your damaged property is well below your losses, there are ways that public adjusters can help to increase the offer, including:
- Pointing out the portion of your insurance policy
- Complete an independent evaluation of your losses
- Get multiple estimates from contractors or mechanics to support a higher claim figure
- Take detailed photographs and videos that better showcase the damage you have sustained
- Submit initial and supplemental information for claims
- Prevent the claimant from signing any documents that agree to settle the claim in full before the losses are accurately accounted for
- Negotiate for favorable rates with contractors and repair workers
Public adjusters work for insured individuals, not the insurance company, so they are looking out for what is best for you.
Talk to an Experienced Hallandale Public Adjuster for Free
If you have suffered a loss that should be covered by your insurance provider but feel that you are not being treated fairly, it is important that you contact an experienced Hallandale public adjuster who can protect your rights. LMR Public Adjusters is dedicated to helping you secure the most favorable outcome possible. Contact us at (954) 603-7174 to learn more about how we can help.
Related Frequently Asked Questions
What is a public adjuster?
A public adjuster handles insurance claims and advocates for the policyholder during the process of appraising and negotiating a claim. A public adjuster’s expertise and ability to interpret ambiguous insurance policies increases the odds that property owners will receive the maximum amount of compensation when they file a claim. Public adjusters prepare cost estimates and interpret insurance policies to determine covered and uncovered items and to negotiate with the carrier to a fair settlement.
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.
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Very professional, communication was great throughoutthe process, they manage to get my 7 times more than what the insurance offered me. I'm a happy client!!!
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LMR Public Adjusters was very professional and on time. Everything was fast, and I had a fabulous experience.
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They have fast response. I never have any issues. They have great customer service.
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