Even the most experienced homeowners can still run into difficulties when trying to process an insurance claim. If your Florida home has ever been through a flood, hurricane or experienced fire damage, then you know that the road to recovery can be long and hard. Trying to piece your life back together involves a ton of stress.

The worries can triple if the damage is to a commercial property or condominium. You may risk a whole life’s worth of hard work and sweat if your business is affected.

If you have suffered a loss arising from a property emergency, then all hope is not lost: you don’t have to bear the stress alone. A Florida public adjuster can step in to assist.

WHAT IS A PUBLIC ADJUSTER?

A public adjuster is a professional that specializes in ensuring that you get your rightful and complete compensation from your insurance policy. Rather than work for or with the insurance company, public adjusters are hired by and work for you and represent your interests.

A public adjuster will lead the entire process regarding your claim from start to finish. They also estimate damages and losses and negotiate on your behalf with the insurance company to ensure that you are fully compensated for any loss or damages. Florida public adjusters can also help you file for extra damages for a claim that was previously underpaid, or help you reopen an previously denied claim.

WHEN SHOULD I SEEK THE SERVICES OF A PUBLIC ADJUSTER?

When you file an insurance claim, the insurance company will request that you estimate the damages incurred. Unless you have prior experience in doing so, or you are a handyman or home builder, chances are that you won’t be able to accurately estimate the damage.

For instance, if you were to estimate the level of damage to an interior wall, how would you go about it? For starters, you would need to calculate the cost of screws, sheetrock, paint, primer and labor.

Likewise, for an external wall, you may need to replace the insulation. Depending on the severity of the damage, you may also need to pay for any structural damage, mold remediation, and several other repairs that may not come to mind during your initial assessment.

An inexperienced person can either grossly deflate or inflate the price. And when the latter is the case, the insurance company will send their own adjusters to approve only essential repairs. This is where a public adjuster can be of help. A public insurance adjuster can create a detailed list of all replacements and repairs to be undertaken – all done to industry standards and with professional quotes to lend credence to the identified cost.

Furthermore, a Florida public adjuster can also help you hasten the claim process if you have already kickstarted the procedure. They can also be of assistance in situations where the insurance company is shifting the goalposts and refusing to completely honor a claim.

Are you aware that, according to Florida state law, you can reopen any insurance claim less than five years old? Therefore, if you feel that your claim was underpaid, or you discovered at some point that certain damages were not paid for, a public insurance adjuster can see to it that you get every cent due to you.

WHAT ARE THE MERITS OF HAVING A PUBLIC ADJUSTER INSTEAD OF THE INSURANCE COMPANY’S ADJUSTER?

If you have any prior experience with insurance claims, you must have encountered insurance adjusters sent by insurance companies. Their job is to ascertain the level of damage and compensation you are entitled to.

But here’s the thing: nobody is flatly calling insurance adjusters dishonest. Generally, they all abide by a professional code of ethics and conduct. Although there are a few cases of blatant dishonesty on their part, the bulk of them will see that you are fairly compensated.

But it is what it is. These people are hired by the insurance company, so they are not going to go the extra mile to award you anything more than the bare minimum required. For example, they may estimate repairs using some of the cheapest materials and labor, even if your house was built to a better standard and with quality materials.

A Florida public adjuster works for you and has no connection to the insurance company. Likewise, they don’t earn a penny unless you win your claim – they get a percentage of your claim sum. This alone gives them enough motive and reason to help you get the best possible compensation for any damage covered under your insurance policy. Also, they can help you manage the much-dreaded managed repair programs.

HOW CAN I FIND A PROFESSIONAL PUBLIC ADJUSTER?

To begin with, you must first ascertain that the public adjuster is licensed and certified to practice in your state of residence.  A real estate attorney, friend, or savvy relative may mean well and try to cut you the best deal, but they may still lack the training and expertise to do the job. Besides, they can also face legal penalties for playing the role of an adjuster without a valid insurance adjuster’s license.

Next, you should ask for references. Most professional adjusters will be more than happy to show you their references before you even ask. Also, you can ask friends that have gone through similar situations in the past. Many Floridians have had to file an insurance claim, and they may have worked with a public adjuster they can recommend.

In addition, when evaluating a potential public adjuster in Florida, be sure that you’re comfortable with their level of communication. Do they promptly respond to emails? Do they return missed calls? And do they genuinely listen to your concerns, or are they just looking to land a job with you? These are all useful pointers that can help you hire a good public adjuster in Florida.

If you feel like you require the services of a Florida public adjuster, then contact ProFloridian Public Adjusting Services. We are experts in property damage, and we have a fully functional and connected team of experts that all work in collaboration for the benefit of our clients. We don’t outsource work to third-party contractors.

Please get in touch with our team of professional adjusters for more details. If you have an urgent claim issue that you need help with, feel free to reach us at 954-588-7416. We’re available day and night to help. We have helped thousands of homeowners like you. There’s no need to go through the strenuous process of handling your claim alone and ending up being underpaid. We will work tirelessly to help you get every penny of your claim and fully concentrate on rebuilding your life.

Contact us for more information, call (954) 588-7416.