HURRICANE CLAIM FAQ
What is a Public Adjuster?
If you haven’t sustained a large loss to your home or business before, you may not be familiar with a Public Adjuster. We all are familiar with an Insurance Adjuster. After a loss you call your insurance company and they send an insurance adjuster to your home to evaluate your damages. More often than not, and far too often, these insurance adjusters do not pay you nearly enough to make proper repairs to your property. This is because they work for the insurance company.
To the contrary, a Public Adjuster works for you. We will come to your home, meet with you, explain our process, evaluate your loss, submit your loss to the insurance company and explain to them why they underpaid your claim. We will continue working for you until the insurance company pays you what you are owed under the policy you paid for.
Do I need a Public Adjuster?
Our licensed adjuster will inform you up front if using a public adjuster can make a difference in the settlement of your claim. If we do not believe our involvement in your claim will make a difference, we will tell you up front.
How much is it going to cost?
There is no cost for the consultation at your property and then we work on a contingency fee basis. NO RECOVERY, NO FEE – we only get paid when we are able to perform. There is no risk to you or your finances.
Will I be Denied or Canceled if I hire a Public Adjuster?
Absolutely Not. A Public Adjuster is a licensed and insured profession. It is mandated by the State Legislature and regulated by the Department of Insurance. It would be a violation of your rights if any Insurance Company denies or cancels you based on hiring a Public Adjuster. Hiring a Public Adjuster is a right given to you by the State Legislature.
Why should I hire a Public Adjuster instead of a lawyer?
Time and money. While there are a handful of qualified attorneys to handle property damage claims, they will generally take over 30% of your total recovery. By contrast a Public Adjuster will not charge more than 10% of the total amount we recover for you. Many times, a Public Adjuster will obtain the same result as a law firm and in a fraction of the time. Most claims are resolved in 60-90 days, some shorter, others longer, but almost always faster than an attorney. We like to look at the claims process in three stages, first we like to let the property owner receive as much as they can from the insurance company (this time has now passed for Irma claims), then a Public Adjuster should be retained to make sure you maximize recovery and finally, only where necessary, an attorney should be retained if the Public Adjuster feels the insurance company is still underpaying the claim.
After Hurricane Irma I didn’t think I had too much damage to my roof. But after contacting Hurricane Adjusters I found out my roof was actually damaged and and my insurance company paid for a brand new roof.
The initial engagement with our client is the most important stage of the claims process. It allows us to begin to lay the foundation of trust and integrity which we believe is essential in establishing confidence and further resolution for the client. Immediately after a property owner suffers loss, he or she is faced with critical decisions to be made in limited time. Hurricane Adjusters has settled thousands of claims, we can foresee future issues and obstacles that will arise as the claim process evolves.
Estimating your Damages
A claims package is prepared involving reports, proposals, estimates, photographs, inventories and other supporting documentation that is constructed to present to the client’s insurance company. The latest cost estimating software is used in the preparation of reports. A strategy can then be developed for presentation purposes.
Reviewing your Policy
Reviewing the contract of the insurance policy is critical in the early stages. A comprehensive investigation of cause and origin of a loss is performed in order to understand the variables of each specific type of loss. Together with our experts and consultants, we begin to identify, research, examine, estimate, adjust and appraise the overall value of our client’s property loss.
Adjusting your Claim
Communication and negotiations with our client’s insurance company is a process that evolves as the claim development is underway. Issues of policy coverage, local, state & federal laws are addressed. Mitigation and reconstruction of building systems are presented and debated with the insurance company’s adjuster.