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Why Hire a Public Adjuster in Florida?

Insurance companies use professionally trained insurance adjusters to adjust claims on their behalf. Policyholders in Florida need equal representation that understand Florida Statutes, understand Florida insurance polices and provisions, and understand how to successfully negotiate a settlement that benefits the insured. Policyholders, like you, need Adjustment Specialists public adjuster on your side.

In February, 2010, Florida’s Insurance Consumer Advocate, Sean Shaw, said, “Most of the time, I’d argue [insurance companies] do the right thing, but for those times they don’t, you’d sure like to have a public adjuster there fighting for you.”

Adjustment Specialists has handled numerous insurance claims on behalf of residential property owners, business owners, apartment complexes, and condominium associations across Florida. We’ll prepare your insurance claim, present it to your carrier, and negotiate the absolute best possible claim settlement on your behalf. We work strictly on a contingency basis, NO RECOVERY-NO FEE.

Public Insurance Adjusting Firm- Representation across South Florida

We are a well respected Public Adjusting firm providing professional insurance claim representation to homeowners and business owners. We cover Miami Dade, Broward, West Palm Beach, and the surrounding areas. Our licensed and experience Public Adjusters have many years of experience in providing assistance to all types of insurance claims including: vandalism/theft, loss of business income claims, water, flood, hurricane, and fire damage.Adjustment Specialists Public Adjusters work for you! Just as your insurance company has an adjuster representing them and looking out for their interests in the claim, you need an experienced and knowledgeable adjuster representing your interests to ensure that you are properly compensated.Our team of experts includes Public Adjusters, former Insurance Company Adjusters, Contractors, Mediators, Attorneys and Engineers. We truly have assembled the best team of experts to provide the best insurance claim representation.Our Public Adjusters do not take part in any of the reconstruction, nor will benefit from any of the construction that will take place. Our goal is to ensure that you receive a fair settlement on a timely and sound basis.If you were to get into legal trouble would you represent yourself in front of experienced attorneys and prosecutors? The simple answer is No. The same concept applies to the insurance claim process. You need to hire a professional to advocate on your behalf.

FOR PROFESSIONAL INSURANCE CLAIM REPRESENTATION, CALL ADJUSTMENT SPECIALISTS TODAY!

We Specialize In:

Fire Damage

Fire losses can be devastating to you and your family. Fire losses include damage from heat, smoke, water and the fire department itself and can leave you homeless. Fire losses involve multiple coverages and payment limits under your policy including Dwelling, Other Structures, Contents, Additional Living Expense, Landscaping, Code Upgrade and Demolition. If you have a fire, call Adjustment Specialists. right away 24/7. The insurance company may try to convince you to sign forms that may reduce your rights under the policy. Knowing your rights may be the difference between a claim paid and a claim denial. Our representation is your protection.

Collapse Damage

A collapse of a building or home is a covered loss under most policies. This loss can occur from hidden damage or during the process of reconstruction or new construction. Collapses often involve structural damage and a significant reconstruction effort. Depending on the cause of the loss and the effect to property a collapse may result in a total loss and a settlement of policy limits. Adjustment Specialists will help determine the extent of the damage and get the professionals needed to prove our case. Over the years the definition of collapse has narrowed under most policies.Call Adjustment Specialists to determine if your damage fits your policy’s definition of collapse.

Flood Damage

Many people mistakenly use the term Flood when describing damage from a pipe break but the insurance companies definition is very specific and in order to be covered for both you actually have to have two separate policies. Pipe breaks and water damage from a plumbing system are covered under your standard HO3 homeowners policy.Flood loss is covered under a separate Flood policy and is defined by the Federal Emergency Management Agency as:

A general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties(at least one of which is the policyholder’s property) from:

  • Overflow of inland or tidal waters; or
  • Unusual and rapid accumulation or runoff of surface waters from any source; or
  • Mudflow;or
  • Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above.
  • If you had a flood and have questions about your coverage call Adjustment Specialists to determine your rights.

    Hurricane Damage

    The best time to call us is immediately following the Hurricane so we can document and set your claim up properly from the start.

    Lightning Damage – A lightning strike to your home can cause damage to your roof, cause fire and generally wreak havoc with your homes electrical system and appliances. In some cases the electrical panel in your home may be damaged beyond repair. In older homes a complete replacement of your electrical panel may be required by the building department which may entitle you to payment under code upgrade.Depending on the age of your roof, lightning damage to roof tiles may entitle you to a roof replacement. The insurance company will rarely reveal that you are entitled to a new roof or an upgraded electrical system.Adjustment Specialists’s trained adjusters know what you are entitled to and will ensure you receive the most comprehensive loss settlement possible.

    Mold Damage

    Mold generally grows when materials in your home come in contact with water. Mold is covered under most homeowner and commercial policies with specific payment limits, usually $10,000. Mold can be dangerous and should be addressed as soon as possible. Continued exposure to mold can cause your allergic symptoms and/or reactions to become worse. Mold may be visible or hidden.Don’t live with mold.

    Call Adjustment Specialists to help rid your house of mold.

    Theft

    There are few experiences that make you feel as vulnerable and as violated as having someone enter your home, rifle through your belongings and steal your most valuable possessions. Not only have your possessions been stolen but your home has been damaged in the process. In an effort to avoid getting caught the thief will quickly and carelessly break into your home causing damage to doors and windows and will rush from room to room ruining furniture and damaging walls and floors.During this stressful time it is wise to have an expert who is emotionally detached from the event assist you with your claim. Our adjusters will help you catalog your stolen property and its value. We will closely inspect all the damage done to your home and make sure you receive a settlement sufficient to return your home to its pre-loss condition.Adjustment Specialists has been able to dramatically increase property insurance settlements well in excess of our contingency fee.Why go it alone when you can have your own, highly trained Public Adjusting company that pays for itself?

    Vandalism

    The purposeful destruction of your property is senseless and frustrating. The damage may not appear to be dramatic but the repair may be extensive. Either way you should have one of Adjustment Specialists’s trained adjusters inspect the damage to provide you with a free no obligation evaluation of your loss. Our customers often receive much more than they thought they were entitled to.

    Water Damage

    One of the most destructive forces in nature is water. A sudden pipe break can be overwhelming, quickly covering the entire floor of your home. A waste pipe or drain failure can cause considerable damage to your home long before you are aware a problem exists. Either way you have a plumbing issue thats needs to be handled right away. Water damage can lead to mold, which can cause serious health problems. Also, the insurance company requires that you protect your property from further damage once you have discovered the problem.Our adjusters will closely examine your furniture, clothing and home contents, checking for and identifying subtle water damage. We will identify kitchen cabinets that are damaged in areas that are not easily spotted and doors and drawers that may have warped from exposure to high humidity. Some water damage may not reveal itself for days, often after the insurance company adjuster has completed the inspection. Our involvement in your water damage claim ensures that your property is protected and your home is returned to its pre-loss condition.Adjustment Specialists has been able to dramatically increase property insurance settlements well in excess of our contingency fee. Why go it alone when you can have your own, highly trained Public Adjusting company that pays for itself?

Get in touch with us today