January 13, 2020 | 7:18 am

Home Damage Insurance Claims

How a Public Adjuster Can Help After a Home Damage Insurance Claim is Denied

When your home is damaged, the first response is to call your insurance agent and start the claims process. Most people then leave the rest in the hands of the agent. The agent will complete the necessary forms, and an adjuster will be assigned to handle the case. That is all this is to them – a case. The insurance adjuster will naturally find the best outcome for the company.

Protect yourself by hiring your private insurance adjuster. This person works for you. A private or public adjuster will examine the details of the claim and the fine print in your policy to make sure you are adequately reimbursed for your loss. Remember, an insurance claim is not a “get rich quick scheme.” It is designed to make you whole, to put you back to where you were before the damage occurred.

Unfortunately, all too often, insurance companies try to get away with paying as little as possible. One problem is that reconstruction usually costs more than rebuilding from scratch. The adjuster may make repair estimates based on new construction costs instead of actual repair costs.

If your claim has been denied or you feel your insurer hasn’t paid enough, you don’t have to fight the insurance company alone. With an experienced Florida public adjuster on your side, you can get all the money you deserve to put your property back to the way it was.

How public adjusters can help when water, fire, or storms damage a home

Insurance companies and policyholders often conflict over adequate compensation, especially in the case of water, fire, and storm damage. This type of damage can get deep into the core of the structure, causing all kinds of internal damage not easily spotted in a routine inspection. Remember:

  • Do not cash an insurance check that states it is a “full and final payment” unless your insurance adjuster says it’s okay. Cashing this check implies the case has been settled, and no future claims can be made in this case. Any damage you discover later will not be covered.
  • Do not sign off on the claim until it is fully settled. Once you sign the release, the case is closed.

Water damage, whether caused by broken pipes, fire hoses, or storms, is not always discovered until months or years after the damage occurred. In these cases, it can be complicated to prove that the damage should be covered. Policyholders pay their premiums with the expectation of coverage. Insurance adjusters, on the other hand, are financially motivated and encouraged to pay the lowest amount possible. The company is in business to make money. Paying out too many high claims seriously affects their bottom line.

That doesn’t mean all insurance companies are trying to cheat their customers; they are just trying to protect themselves. A Broward County Public Adjuster like LMR can act as a mediator to ensure both parties have all the facts and come to a fair and amicable settlement.

Below are a few reasons why LMR Public Adjusters is the best option if you need a public adjuster in Davie.

Following damage to your property, our public adjusters can file your claim with your insurance company in a timely manner.

  • 1. We DO NOT work for the insurance company – we work for you!
  • 2. We know what you are entitled to receive after a loss. We can help you through the claims process until your insurance claim is settled.
  • 3. We immediately provide you with one of our experienced adjusters to your home, association, or business to evaluate your loss and provide you with a FREE Claim Review!

If you are interested in using one of the best public adjusters in Florida, don’t hesitate to contact us with a question or concern. We offer a free claim review and will get back to you extremely quick. We serve all of South Florida but our Dade County, Broward County, and Palm Beach County offices can be reached at (954) 603-7174.