The Public Adjuster That Helps Miami Property Owners With Damage Claims

Insurance companies will almost always offer you less than what you need to repair or replace your property.

Public adjusters are hired by individuals and all types of businesses and professionals, including attorneys, banks, accountants, business owners, and even insurance adjusters and agents for their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our help.

Public adjusters are very skilled negotiators who use the services of appraisers, engineers, accountants, and all sorts of other experts as needed. A public adjuster will meticulously go through all the evidence and document everything for you to get the most out of your settlement.

You’ll almost always receive a higher settlement from the insurance company if you use a public adjuster, for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage. Typically, the more detailed and complete your claim is, the higher the settlement will be. We go through all the evidence step-by-step, carefully inspect the loss site, and accurately document the damage. Studies have clearly demonstrated that most inventories compiled by insured without the help of the public adjuster are very incomplete.

The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can’t protect both your interest and the interest of his/her employer at the same time. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder. A public adjuster is an insurance adjuster expert who works exclusively for you, the policyholder. We are experts in reading the final print and understanding your policy, coverage, and the insurance company’s responsibilities in order to negotiate a better settlement.

Yes! Many of our clients were told their claim was denied. We simply reopen the loss, negotiate with your insurance company, and insist they pay for viable damages.

Usually, it is not too late. State law allows a few years to file a supplemental claim from the date of loss. If you do not believe you were paid the right amount and would like us to review your claim, please contact us. We will carefully audit and analyze your claim and give you our professional opinion.

We only get involved in claims where our services are needed. Just give us a call to discuss your claim and we will give you our professional opinion on whether to file a claim or not.

The standard fee for public adjusting services is a state mandated percentage of the amount recovered from the insurance company. These fees are regulated by the State Department of Financial Services.

A public adjuster is an insurance adjuster expert who is licensed and certified and regulated by the Department of Insurance in each state to work exclusively for the benefit of the policyholder.

You should call one immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process.