Home Insurance Adjusters Florida
home insurance adjusters florida
Public Insurance Adjusters Work for you and not the Insurance Company
The insurance industries best kept secret: Public Insurance Adjusters
As the policyholder, you have a right to know about the insurance industries best-kept secret . . . Public Insurance Adjusters. We are the experts who represent you exclusively when a loss occurs to your business, commercial or residential property. The insurance companies have their representatives; you need someone whose loyalty is entirely to you.
For many homeowners, the preparation of a property damage claim without the assistance of their own insurance loss adjuster is unfamiliar territory. The documents are filled with complicated jargon and calculations that only a claims adjuster will thoroughly understand: depreciation, replacement costs, and actual cash value. At times, the list seems endless, especially when you have enough on your hands just getting your life back together. But it´s your responsibility to document and prove your claim to the insurance company, either by yourself or with the aid of a public adjuster.
Many policyholders just like you have asked the same questions: How do I estimate my loss? Will I recover enough to rebuild? Can I do this myself, without a public insurance adjuster? This uncertainty is easily removed through the professional assistance of our proven team of professional public adjusters.
What is a Public Adjuster?
Public adjusters are the only category of insurance adjuster who work exclusively for you, the policyholder.
• A company adjuster (often referred to as simply the “insurance adjuster”) works for the insurance company.
• An independent adjuster also works for insurance companies, not for policyholders. They are simply an independent agent rather than an employee, so an independent adjuster could be working for multiple insurance companies.
• A public adjuster represents the only category of adjuster that works exclusively for policyholders and never for insurance companies. This means there´s no inherent conflict of interest when it comes to advocating on your behalf to the insurance company.
Public adjusters will typically contact you after a disaster. It´s important for you to know what to ask so you can distinguish established and trustworthy firms from all the others.
Many people don’t realize that the insurance company doesn’t automatically pay their insurance claim. Instead, it’s your responsibility to prove your claim in order to get compensated for a loss. When a disaster occurs, the insurance company has adjusters, building engineers, claims managers and supervisors, all representing their interests. Who do you have representing yours?
As you are trying to rebuild your home and stabilize your life, there is little time for learning the ins and outs of insurance to make sure you’re not settling for less than you’re entitled to. Public Adjusters can help by:
• evaluating your policy to help present the strongest possible claim to your insurance company;
• measuring & documenting damages to detail and prove your losses: your house, your belongings, your additional living expenses;
• negotiating on your behalf with your insurance company;
• advising you of your options and keep you informed every step of the way;
• settling your claim for the maximum amount; and
• freeing up your time to focus on the emotional recovery of your family and your job.
Every property insurance claim is unique. Public adjusters can provide some or all of the following services:
• conduct a comprehensive review of your policy;
• assist you in complying with your policy’s requirements, such as mitigating further damage and being aware of time limitations;
• work with you to develop a proactive claim management strategy that maximizes your financial recovery;
• conduct a thorough evaluation of your loss, carefully researching, detailing and substantiating every aspect of your claim, including building damage, contents, and extra living expense claims;
• present and support an itemized claim package to your insurer;
• work as your advocate at all inspections and meetings with your insurance company;
• secure the best possible settlement in the shortest possible time frame; and
• communicate with you every step of the way.
For more information on how a Public Insurance Adjuster can help you; please contact: United States Adjusters, Inc at 877-357-2USA or email Info@unitedstatesadjusters.com
http://www.unitedstatesadjusters.com
As a landlord for a home in Florida what are my rights when my tenent withholds rent?
We had a waterline leak in the home. As soon as we were notified we called a plumber and a water extraction company, then filed a homeowner insurance claim. Everything was dried out and we are waiting to receive the money from the insurance company to do repairs. In the meantime and leak occurred in another area of the home. Same deal, called the plumber and water extractor and made another homeowners claim. We are waiting for the adjuster to go out for this claim. In the meantime our tenant has said she wants to break her 1 year lease after 6 months and is withholding this months rent until the problems are fixed. We have acted quickly to address the problems and the house has been habitable the whole time. What are my rights as a landlord when the tenants wants to break the lease and not pay because she has been inconvenienced?
You cna evict for non-payment, but it is not acceptable for you to wait for insurance before you make repairs. You make repairs now, worry about insurance later, you are not properly maintaining your property this way and could be sued by your tenant.
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