January 2018 - Disaster Insurance

When is the Best Time to Hire a Public Adjuster in Palm Beach County

An insurance Public Adjuster is an authorized professional that insurers can pledge to represent their best interest in a property insurance claim situation. Public adjuster industry was essentially created by their respective states. They help coordinate the field with the insurance company and provide the policyholder with expert advice. Public adjuster helps in many regards. In this article, you will read about the best time to hire a public adjuster in Palm Beach County.

To manage your insurance claim provides a level of convenience to the insured. They ensure that the eligibility requirements are met and they help to get back the amount that the insurer earns from his/her insurance contract. Unlike the adjuster sent by the insurance company, the public adjuster will work for you. That’s why it is important to know when to hire a public adjuster in Palm Beach County. Many insurance brokers also hire a public adjuster in Palm Beach County before hiring a lawyer to avoid litigation and retain more of their solution.

But what is the best time to hire a public adjuster in Palm Beach County or Broward County? If I live in Palm Beach or Broward County, who would be the best public adjuster for me? What criteria should I use to decide if I need a representative to represent me in a real estate claim? When should I hire a claim professional?

Let’s say I had a leaky pipe which caused a flood, I have homeowners insurance and believe I have mold and a potential claim, I live in Palm Beach or Broward County and I need a free estimate or a flood damage estimate, who should I call for that free estimate?

When is the Right Time to Hire a Public Adjuster in Palm Beach County?

As in any situation, it is always best to involve professionals as quickly as possible in the process. Public Adjusters are trained to review and understand property insurance contracts. Without proper representation, you may have additional coverage charges that you do not know. Read this article to take the best of your insurance claim as an example. But professional help has its price and many people make the decision themselves to manage their request. Some are successful, but many are stuck in the process and never really sure if they’ve got the right amount of settlement.

In the event of a flood insurance claim in Palm Beach County, for example, the policyholder must ensure that he does not accept or sign what is offered to him by his insurance company with which he does not feel comfortable with.

Consider to hire a Public Adjuster in Palm Beach County if the following conditions exist:

No Time

You have no time to deal/manage the flood insurance claim in Palm Beach County of the insurance company. People already have a busy life. They work and have family commitments and may not want to deal with the stress of processing and paying for a claim.

You Do Not Understand Your Policy

Insurance contracts can sometimes lead to confusion of documents that make people uncertain about their reporting. Getting in touch with your insurance agent can sometimes be helpful. But if you do not understand their guidelines, you should ask a claims adjuster to help you. Most reputable insurance officers will look at your loss without commitment.

You Have No Experience

Submitting a flood insurance claim in Palm Beach County (especially in the case of large and complex claims) can be daunting. Get help if you are confused and avoid mistakes that could affect your arrangement.

The Insurance Company Seems To Delay Your Request

This often happens when big catastrophes lead to confusion of loss log-jams. In many cases, we have seen insurance companies withdraw Adjusters that do not understand state law. In all states, insurance companies have to respond to you and process your request for a certain period of time. If you have problems, ask for help.

Your Damage Is Prolonged

Serious property damage in Palm Beach and Broward County causes a large number of complex claims. Claims that you have under your policy and certain types of damage can often be overlooked. Some issues can also be placed in the wrong claim categories. Identifying hidden structural damage, correctly assessing your loss, and considering ownership and valuables can affect the value of your flood insurance claim in Palm Beach County.

The Insurance Company Offers A Quick Reward

Research by the insurance company shows that the more an insured person gets paid quickly, the happier he is. Unfortunately, excellent customer service sometimes seems to be an attempt to get rid of a claim and to accept less money because of the stress and desire to ‘get along’. Our only advice is to take the time to ensure that you are protected. You should not hurry or force yourself to sign anything until you understand the actual impact of a claim.

Inadequate Coverage

The settlement offer of insurance companies appears to be inadequate depending on their coverage. Unfortunately, insurance intermediaries and insurance companies do not always act in the best interest of their policyholders. They are in business to make a profit and can value the damage differently. You may find that you are not insured for part of the damage. Sometimes the offers will not be close to the value of recovering the damaged property. Here, an expert who uses the same estimation software as the insurance company understands the language of the insurance policy will help to get your flood damage estimate in Boca Raton for example.

Insurance company advises against to hire a public adjuster in Palm Beach County

Representatives of insurance claims who are afraid to negotiate with a licensed professional can be a warning sign. You should be the only one to determine if adjusting your own adjuster is logical and worth the cost.

A lawyer or public adjuster?

We find that some insured people do not know whether to hire a lawyer or to hire a Public Adjuster in Palm Beach County to process their claim. Both have a valuable advocacy role in the claims process. To benefit from both, we suggest hiring a claims adjuster to manage your claim. Only if they denied or if there are legal issues that the public expert cannot handle, you would have additional costs and time to hire a lawyer.

The experts at Improve My Claim offer their services in Palm Beach and Broward County, in the following cities: Boca Raton. Boynton, Jupiter Island, Lake Clarke Shores, Lake Worth, Lantana, Manalapan, Margate, Ocean Ridge, Palm Beach Island, PB Gardens, PB Shores, Palm Springs, Parkland, Pembroke Pines, Pompano, Plantation, Miramar, Southwind Ranches, Coconut Creek, Coral Springs, Dania, Davie, Deerfield, Delray, Everglades Parkway, Fort Lauderdale, Hallendale, Hollywood, Highland Beach, Hypoluxo, Lauderdale Lakes, Lauderhill, Juno Beach, Sunrise, Tamarac, Royal Palm Beach, Sunrise, Wellington, West Park and West Palm Beach.

Simply visit Improve My Claim to contact a licensed public adjuster to help you with your claim.

Resources

1. Adjuster Justice

Get the Maximum Insurance Claim – Public Adjusters – 60 Minute Response to Disasters, Water & Fire Events in Palm Beach & Broward Area

2. Find Mold

Find Mold with Free Leak Inspection – Completely Free Leak & Mold Detection in Palm Beach and Broward Area.

3. Find The Problem

Find The Problem – Find Mold with Free Leak Inspection – Completely Free Leak & Mold Detection in Palm Beach and Broward Area.

4. Fix Fire Damage

Fix Fire & Smoke Damage Restoration – Home or Business we have a 60 Minute Response Time in Palm Beach & Broward Counties

5. Flood Water Fix

Fast, Professional Flood Cleanup Restoration and 24/7 Emergency Flood Cleanup Company in Palm Beach, Dade, and Broward. Get help now!

6. Free Home Inspections

Free Expert Leak & Mold Home Inspection – Inspections Available to Home Owners in Palm Beach and Broward Area.

7. Higher Claim

Get a Higher Claim – Reopen Insurance Claim & Get More Money – Experts at Finding Errors in Palm Beach & Broward

8. Improve My Claim

Improve your Insurance Claim – Reopen Insurance Claim & Get More Money – Experts at Improving Claims in Palm Beach & Broward – Flood Insurance Claim in Palm Beach County

9. Leak Finder

Leak, broken pipe, water puddles, mold or high water bills? We provide completely free leak detection services in Palm Beach, Dade, and Broward.

10. Loss Professionals

Free Fire & Flood Disaster Inspection & Remediation -Flood Damage Estimate Boca Raton – Available to Homeowners in Palm Beach and Broward Area.

11. Mitigate Damage

Mitigate Damage – Reduce Additional Damage to Your Home or Business – 60 Minute Response Time in Palm Beach & Broward Counties

12. Pro Mitigate

Fighting for Your Maximum Insurance Claim – Public Adjuster – 60 Minute Response to Disasters, Water & Fire Events in Palm Beach & Broward Area

Hiring a Public Adjuster in Palm Beach County

As home and business owners in South Florida we all know that the homeowner’s insurance coverage we pay should pay for disasters without any hassle – unfortunately, most home and business owners describe their insurance experience as horrific – often worse than the disaster itself. The entire claim procedure includes paperwork, legwork, mathematics, negotiations and insurance lingo. Counting, describing, and assessing everything that has been damaged or destroyed, meeting with adjusters, inspectors, and contractors, reviewing reports and estimates, and eventually hiring a public adjuster in Palm Beach County are tedious and time-consuming.

In addition, negotiating a fair settlement can be very difficult, especially after an emotionally devastating disaster. Here are some tips and tools that you can use to make your next fire, leak, flood, mold or windstorm disaster go a bit smoother.

You will find that learning lingo, doing calculations, and ensuring your claim is fully investigated and fairly paid. Depending on your situation, work commitments, health, shared travel service, non-cooperative insurer, etc, may not be practical to try. The experience of each person and the situation is a little different when it comes to making the decision, or not hiring a professional to take insurance claims, the only “right” option is the one that works for your situation.

If you have problems with your insurer or if your personal situation makes it difficult to manage all the details, you can hire a claim help expert, also known as a public adjuster.

Currently, in most Florida, you can hire licensed public adjuster in Palm Beach County based on a “potential” fee (in percent) that handles your application and negotiates an agreement on your behalf. An adjuster is an on-demand assistance expert whom you can hire to help you document and negotiate your insurance claims. A public adjuster in Palm Beach County works only for the policyholder (YOU), not for the insurer.

There are two other types of adjusters and they are hired by your insurance company to work on your request, but they are their representatives of the insurance company, not yours:

Company or Staff experts who are employed by your insurance company.
Independent adjusters who work exclusively for insurance companies on the basis of contracts.

The company/staff and independent adjusters are hired and paid only to report to the insurance company and not you. If you decide that you need help with your insurance claim, it is important to find an experienced public adjuster in Palm Beach County with good credentials who will guide you as a customer at a fair price.

The larger your claim is, the easier it will be to find someone who fits with your situation. Many of the most experienced adjusters prefer to deal with large commercial and dollar claims, so be careful when using an adjuster for small claims. As with all professionals, it is important to review references carefully and hire someone you trust and feel comfortable with. You can use Adjuster Ju to find an adjuster in your area. Note: Adjuster Justice only offers its services in Palm Beach and Broward County, in the following cities: Boca Raton. Boynton, Coconut Creek, Coral Springs, Dania, Davie, Deerfield, Delray, Everglades Parkway, Fort Lauderdale, Hallendale, Hollywood, Highland Beach, Hypoluxo, Lauderdale Lakes, Lauderhill, Juno Beach, Jupiter Island, Lake Clarke Shores, Lake Worth, Lantana, Manalapan, Margate, Ocean Ridge, Palm Beach Island, PB Gardens, PB Shores, Palm Springs, Parkland, Pembroke Pines, Pompano, Plantation, Miramar, Southwind Ranches, Sunrise, Tamarac, Royal Palm Beach, Sunrise, Wellington, West Park and West Palm Beach.

It’s possible your insurance company representative in Palm Beach County may try to assign one or more different adjusters to your claim over time. Everyone can have a different approach and level of experience. One can have very little experience and be difficult to communicate; another can be very friendly and have a lot of experience. Many people tell Adjust Justice that their first adjuster has offered them compensation and either left or reassigned the company and, if a new adjuster was introduced, the new expert canceled the offer or left it from scratch. We call this problem a “Rotary Adjuster”. Group insurance policyholders have helped to pass laws requiring insurers to submit claims reports to protect consumers from frustrations, delays, and confusion among regulators.

When submitting a claim, you can leave it to yourself, or you can do better by asking for help. This is an individual decision that you should make based on your own situation. A legal adjuster can be your agent and lawyer who receives your “settled” (paid) and “adjusted” (paid) claim. Like any pro, some public adjuster in Palm Beach County and Broward County are better than others. The last thing you need when you have suffered a significant loss is an additional problem, so you need to be aware of their tricks before setting. Resist the high-pressure offers and do not settle too quickly or prematurely.

Questions You Should Ask a Public Adjuster in Palm Beach County & South Florida

1. Do you have public adjusting license in South Florida?

Are they licensed in Palm Beach County? Or Broward County? Be sure to hire a certified public adjuster that is locally registered and licensed in Boca Raton, Boynton, Coconut Creek, Coral Springs, Dania, Davie, Deerfield, Delray, Everglades Parkway, Fort Lauderdale, Hallendale, Hollywood, Highland Beach, Hypoluxo, Lauderdale Lakes, Lauderhill, Juno Beach, Jupiter Island, Lake Clarke Shores, Lake Worth, Lantana, Manalapan, Margate, Ocean Ridge, Palm Beach Island, PB Gardens, PB Shores, Palm Springs, Parkland, Pembroke Pines, Pompano, Plantation, Miramar, Southwind Ranches, Sunrise, Tamarac, Royal Palm Beach, Sunrise, Wellington, West Park and West Palm Beach.

Ask for the individual license of your public adjuster in Palm Beach County. Some public adjusters work under the license of another person or company rather than being individually qualified. Ideally, the consultant hired by you should be experienced, connected locally or with a reputable local company and have a proper registration with the local Palm Beach or Broward licensing authorities.

2. Will you handle my claim personally?

Are you interviewing the person who actually will maintain the loss? Or is the person simply a sales representative who delivers your claim to someone else?

3. How many other claims have you registered in Palm Beach or Broward County?

If a public adjuster in Palm Beach County accepts more claims than you can handle, you will not get the attention you need. Be sure it includes the following cities: Boca Raton. Boynton, Coconut Creek, Coral Springs, Dania, Davie, Deerfield, Delray, Everglades Parkway, Fort Lauderdale, Hallendale, Hollywood, Highland Beach, Hypoluxo, Lauderdale Lakes, Lauderhill, Juno Beach, Jupiter Island, Lake Clarke Shores, Lake Worth, Lantana, Manalapan, Margate, Ocean Ridge, Palm Beach Island, PB Gardens, PB Shores, Palm Springs, Parkland, Pembroke Pines, Pompano, Plantation, Miramar, Southwind Ranches, Sunrise, Tamarac, Royal Palm Beach, Sunrise, Wellington, West Park and West Palm Beach

4. Ask for at least three references from their local Palm Beach or Broward customers who are satisfied with their work

Ask the Public Adjuster in Palm Beach County to give you a list of claims he has personally handled in the last three years. (Some adjusters move between companies and have fleeting associations with the company they currently represent).

5. Let us talk about the collective agreement

Many public adjusters in Palm Beach County or Broward Counties use contingency fees that range between 5% and 15% of the money the insurer pays for your claim. These rates are limited in some states and are negotiable in all countries. The rate you have to pay a public adjuster must take into account the size, nature, and the status of your claim. Be sure to agree in advance if the claims adjuster receives a percentage of the money that the insurer has already agreed in writing but has not yet paid. If you want the adjuster to handle all claims, you must negotiate in advance.

6. If I have a contract, can I contact the insurer/company adjuster?

If you want to stay in your claim, discuss it with the expert before hiring him.

7. Does your or company name appear on every check issued by the insurance company after hiring?

Some public adjuster officers do not charge any additional living expenses and/or other categories of insurance benefits. Make sure you agree/understand before signing.

8. If for any reason I want to terminate the contract before any finalized settlement, can I and how much do I owe?

9. Do you work with a lawyer or a law firm on my claim?

Note: Public Adjuster in some states may only charge a performance fee if they are affiliated with a lawyer, as this is considered unauthorized legal practice.

Before Signing a Contract, Consider The Following

1. Is the adjuster personable?

You can work closely with this person for many months and they will represent you to your insurer, so you should feel comfortable with their communication style and personality.

2. Do you have good references and are they authentic?

Call up at least two of their references directly before setting an adjuster.

Questions you should ask the references:

How was the Public Adjusters rate/fee calculated?
Did the Public Adjuster in Palm Beach County personally work on your request?
Did the Public Adjuster stay in touch with you, answered your questions and informed you?
Have he/she removed the fee and added value / received a fair offer?
Did you feel good enough about the result?
Did he/she charge fees for all types of cover or only for accommodation and content?
Is the public adjuster local to Palm Beach or Broward County?

3. Do not rush to hire someone before you are ready

Especially after disasters, you may receive aggressive offers from contractors, planners, and others. Resist the pressure and make an informed decision. Many states now limit claims to disasters. Ask all the questions you need to ask until you have confidence in your decision and in the selection of an adjuster. You will be part of your insurance recovery process as long as it is necessary to settle the claim and all the financial benefits to which you are entitled under the terms of your insurance policy and the laws of your state.

4. It makes no sense to hire a lawyer to offset your loss

The contractors and the social services agents are not authorized to represent you in the insurance claims negotiations and they are not authorized or regulated by your insurance department/agency to do so. A lawyer can represent you in the claims negotiations, but in general, it makes no sense to hire one to offset your loss.

5. Dispute with your public adjuster in Palm Beach County

You will do your best to solve it informally with them and with the help of your corporate association in your state. If there is no Public Adjuster Trade Association in your country, contact the National Association of Public Insurance Adjusters (NAPIA) and ask for their help in settling the dispute. If that does not help, file a complaint with your state adjuster. Public insurance officers (Adjusters) are regulated by the insurance supervisory authorities.

6. It’s unlikely to receive a full and fair settlement from insurance company

If you fully trust your insurance company to calculate the amount of the damage and what you owe, it is unlikely that you will receive a full or fair settlement. The insurance company sends its own “independent” or “staff” claims and contractor whose job it is to define the extent of the damage and estimate the cost of repairing or rebuilding your home. They measure the loss for the insurance company, not for you. This is important because a lot of money is at stake and your financial goals and the financial goals of insurers are not the same. You want your loss to be measured accurately, maximize your coverage, and find every penny you owe. Many people hire their own experts/contractors to measure and assess the damage independently from the insurance company.

Summary

Documenting and navigating catastrophic property losses takes time and is expensive even for the most demanding homeowner. It is difficult for you to know if you get everything that your insurance company owes you. In fact, your policy may provide extended coverage beyond the limits set in the policy, and much more than the insurer offers you. Having an experienced public adjuster in Palm Beach County on your side can be a strong voice for you and will give you much more information and you will be able to negotiate the leverage on your final insurance contract that you would have on your own.

Instead of relying on the insurance company to decide how much you can rebuild your home, hiring a good insurance adjuster can help you get the best deal possible. It is important to review references and agree on rates and conditions before entering into a contract with an adjuster. Once the contract is concluded, you must pay for the services provided during the term of the contract.

Adjuster Justice only offers its services in Palm Beach and Broward County, in the following cities: Boca Raton. Boynton, Coconut Creek, Coral Springs, Dania, Davie, Deerfield, Delray, Everglades Parkway, Fort Lauderdale, Hallendale, Hollywood, Highland Beach, Hypoluxo, Lauderdale Lakes, Lauderhill, Juno Beach, Jupiter Island, Lake Clarke Shores, Lake Worth, Lantana, Manalapan, Margate, Ocean Ridge, Palm Beach Island, PB Gardens, PB Shores, Palm Springs, Parkland, Pembroke Pines, Pompano, Plantation, Miramar, Southwind Ranches, Sunrise, Tamarac, Royal Palm Beach, Sunrise, Wellington, West Park and West Palm Beach.

Below you will find additional resources available to Palm Beach and Broward County home and business owners.