Florida Public Adjuster
It’s not every day that your home gets severely damaged. In fact, you may have never filed an insurance claim in your life and this may be a once-in-a-lifetime event. Because it’s rare for homeowners to actually need to file an insurance claim, it is understandable that you have questions. Below are a few of the more common frequently asked questions that public insurance adjusters receive.
Why should I hire a public insurance adjuster?
Most homeowners rarely read their insurance policies. After all, you read it when you purchased your insurance and it’s not exactly the type of reading most of us enjoy. Plus, insurance policies are filled with jargon and technical language that is nearly impossible to decipher.
Public insurance adjusters understand the jargon and insurance policies in general. Many have even been employed by the insurance industry. In addition, public insurance adjusters are licensed by the state and must follow strict ethical practices. The expertise of a public insurance adjuster working on your side ensures that your interests are properly represented. If you haven’t looked at your insurance policy since you bought it, it’s highly likely that you don’t understand what you are entitled to. A public insurance adjuster understands and will make sure that you get a fair settlement.
What exactly is a public insurance adjuster?
Public insurance adjusters are professional insurance adjusters, licensed to operate in the state, that serve the needs of the public – that’s you – not the insurance company. Public adjusters help you document damage and prepare, file, and adjust your insurance claim.
Why do I need help filing an insurance claim? What’s so hard about that?
It is hard. Have you read your insurance policy lately? Do you understand it? If it’s like most insurance policies, it is loaded with provisions, stipulations, exclusions, and other conditions that are difficult to understand. In addition, specific actions may be required on your part in the event of a loss. If you don’t understand the policy itself, you will be ill-equipped to fight for your rights under the terms of the policy. In addition, did you know the burden of proof is on you? You have a huge amount of work ahead of you – the insurance company isn’t going to do it for you. The help of a public insurance adjuster extends far beyond interpreting the insurance policy. Your public adjuster will help prove your losses and negotiate a fair settlement.
Can I file my own insurance claim?
Absolutely. Many homeowners successfully file their own insurance claims. However, most have no experience whatsoever in doing so. A public insurance adjuster with years of day-to-day experience is far more likely to negotiate a fair settlement than a policyholder with no experience at all.
I am entitled to receive a settlement from my insurance. Why do I need a public adjuster to get what I’m entitled to?
You are absolutely entitled to a fair settlement. In fact, that is exactly why you need a public insurance adjuster – to ensure that you get what you are entitled to under the terms of your insurance policy. The public insurance adjuster represents you exclusively – not the insurance company.
I’ve just suffered a loss. Now what?
The first step is to immediately notify your insurance company of the loss, whether directly or through your insurance agent. Next, call a licensed public insurance adjuster and retain this professional to represent your interests throughout the insurance claims process.