Property damage can be terrifying. When dealing with property damage, help and support is crucial. Most property owners think that their home or commercial property insurances will take care of them in case of any damages, but in most cases, the insurance companies are only looking to benefit themselves. Remember, insurance companies are businesses that have to profit as well. They might give the insured a certain amount of money on a claim, but it may not be the entirety of what they’re owed. In other cases, they may just deny the entire claim. In any of these situations, it would be wise to hire a public adjuster. A public adjuster will fight against the insurance company to try and get the insured the maximum payout possible. Public adjusters are licensed and insured professionals that will assess whatever damage the insured may have, write an estimate on their behalf, and present them to the carrier (Insurance), to get the rightfully owed amount.
The earlier a public adjuster can arrive to the scene of the damage, the better it serves the insured. With more time, a public adjuster can accurately document and analyze the damages, and provide the necessary evidence to file the claim. A public adjuster will guide the insured every step of the way, and help evaluate and understand their options, based on the type of damages and policies they may have. If a claim has already been filed with the insurance, a public adjuster can re-open the claim, re-adjust it and re-submit it to the carrier.
The truth about how much public adjusters charge, is dependent on their claims. Public adjusters don’t get paid until, and if, they win their claim(s) against the insurance. This means that public adjusters are incentivized to fight harder for insured, being that they’re dependent on the insured and their claim’s success. If and when the insured and the public adjuster win the claim, the adjuster will then proceed to take a percentage from the payout. In Florida, the most an adjuster can take is 20%. Even with the public adjuster getting paid, property owners still tend to receive a lot more money than if they were to submit a claim without a public adjuster. In 2010, based off research from the state of Florida OPPAGA office, homeowners who submitted claims on their own received an average $2,029 vs. an average of $17,187 when represented by a public adjuster. This resulted in an increase of 747% in the homeowners’ insurance payout.
Opening Hours:
Open 24 Hours
Office: (954) 533-6557
Mobile: (786) 277-5120
Address: 5400 S University Dr
Suite 608, Davie, FL 33328
Email:
claims@adjustmentspecialists.com