Miramar Public Adjuster
Expert Public Adjuster in Miramar That Will Fight for You From Start to Finish.
No one wants to think about their home getting damaged. Unfortunately, unexpected and unpreventable things can happen. Everything from accidents to storms can cause substantial damage to your home. If you live in the beautiful City of Miramar and your property has been damaged and in need of a qualified Miramar public adjuster, contact ProFloridian today, use our contact us form (here) or call (954) 588-7416 now for a free claim analysis.
If you file a claim with your insurance company and seek compensation for property damage, you can’t always be sure their decision on whether to approve the claim will be fair. You may get a denial or an underpayment for what’s covered in your insurance policy. Don’t take this lying down. Contact our professional public adjusters and let us help you fight back.
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Public Adjuster FAQs
Insurance companies deny claims when they think the policyholder won’t fight back. The claims adjuster will look for any excuse or technicality to use as the reason for the denial. Since most policyholders don’t understand the legal language in their insurance policies, they won’t know their rights in this situation.
ProFloridian Claims Consultants do know your rights. After our public adjusters review the evidence and circumstances of your property damage case, we’ll be able to determine whether the insurance company’s denial of your claim was justified or not. If it appears that they denied your claim without merit, we will fight back on your behalf.
Water can damage a property very quickly. Something as minor as a leaky roof or pipe could wreck your flooring or ceiling, and ultimately ruin your home’s internal structure. There’s no turning back if your structure is that badly compromised. That kind of damage is permanent.
If you did everything you could to prevent the water damage, your insurance company must approve your water damage claim. The public adjusters at ProFloridian will make sure it happens.
The smallest flame or electrical spark can turn into a major fire on. A lit cigarette or faulty electrical wiring is all it takes for fire to occur. It’s important to have a public adjuster on your side when you file a fire damage claim with your insurance company.
The cause of the fire will be looked at very closely, so you need to show the insurance company that you couldn’t have prevented the fire damage. That’s the best way to ensure your claim gets approved. We will do everything we can to make this happen after you hire us to represent you.
As a resident of Miramar, you’ve already seen the destructive power of hurricane-force winds. Hurricanes have the power to wipe out entire houses and buildings if they travel over them. In most cases, hurricanes cause considerable damage to properties, and can cost tens of thousands of dollars to repair.
Hurricanes make national news, so we won’t have any trouble convincing your insurance company that a hurricane struck your location and damaged your property. Just make sure our public adjusters are making the case on your behalf. Hire us today for assistance with your hurricane damage claim.
Hailstones don’t strike Miramar too often, but there have been reported incidents of hail damage being done to properties here in recent years. Hailstorms may only last a minute or less, but that’s all it takes for hailstones to damage your home or building.
Once the hailstorm has passed, we recommend that you snap a few pictures of the hailstones on the ground with your smartphone. This will serve as evidence that the hailstorm occurred. Then simply give us a call and let one of our public adjusters take care of the rest. Get the compensation that you need for your hail damage claim today.
Wind damage could be the result of a hurricane, thunderstorm, or any situation where wind speeds are above 20 miles per hour. The force of these winds can cause all kinds of damage to your property, especially the roof. In any event, you deserve sufficient compensation for the wind damage that your property incurred. Our public adjusters won’t rest until your insurance company grants you compensation from your wind damage claim. For help with your wind damage claim, use our contact us form (here) or call (954) 588-7416 now for a free claim analysis.
Did an object fall on your roof and damage it? Did powerful winds blow off shingles and other parts of your roof? If so, you shouldn’t have to bear the cost of those repairs alone. ProFloridian will file a roof damage claim with your insurance company and negotiate a fair settlement. We’re confident they’ll approve your claim when you have us at your side throughout the claim process.
Mold damage doesn’t just compromise the structural integrity of your property. It also poses a health risk. An environment filled with mold spores can make you very sick and, in some cases, cause death if the contamination is too severe. That is why you’ll want to get rid of the mold quickly and get compensated for the damage it caused to your property.
Take pictures of the mold before you remove it. Then give us a call, and we’ll file a mold damage claim for you. Whatever happens with the insurance company from there, our public adjusters will be there to help.
Income Loss Damage
Business income loss is common after a building or storefront is severely damaged. If your business was impacted by a hurricane or some other unforeseen event and now you can’t make any money from your business, then your business interruption insurance policy should compensate you for a portion of your weekly or monthly income losses.
Due to the importance of such a claim, it’s smart to let a ProFloridian public adjuster file it for you and negotiate with your insurance company for a fair settlement. We’ll make sure that you receive the best compensation for your business income loss damage claim.
Vandalism and theft can cause hundreds or thousands of dollars in losses. You never know when or where some troublemaker will strike. If you have smart cameras or surveillance video of the criminals, it will be easy to convince your insurance company about the validity of your theft/vandalism damage claim. Even if you don’t have a camera, let our public adjusters help you file your claim.
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ProFloridian Claims Consultants don’t work for the insurance companies. We only work for individual clients who have to file claims with insurance companies. Our public adjusters do the opposite of what a traditional claim adjuster does, because we find ways to benefit policyholders, not insurance companies.
What is the role of a Miramar public adjuster?
When an insurance policyholder wants to a fair investigation of their insurance claim, they will hire a public adjuster to conduct that investigation and collect all the relevant evidence.
Public adjusters are different than claims adjusters, because they don’t work for insurance companies. Instead, the public adjusters are third-party adjusters that act as liaisons or middlemen between policyholders and their insurance companies.
Once the evidence is collected, the public adjusters provide the evidence for the insurance claims they prepare on behalf of policyholders. Since public adjusters don’t work for the insurance companies, people believe their investigative work is fair and honest. Policyholders have less fear of bias or prejudice towards the insurance company, because the public adjusters have no stake in the claim.
In fact, public adjusters spend a lot of their time negotiating with insurance companies on behalf of policyholders. Their goal is to ensure that policyholders will get final settlement amounts that are enough to cover the damages and expenses they incurred.
Why hire a Miramar Public Adjuster?
In some circumstances, it may be a good idea to hire a public adjuster, and others when it is not. It all depends on the value of your insurance claim and whether there is a high risk that your insurance company will deny the claim.
For instance, if your home incurs around $5000 in damage, the insurer will consider it a small amount of money. After the deductible is paid, the insurance company is likely going to pay out small that small. It won’t be in your best interest to hire a public adjuster to represent you if the damage to your home is minor.
On the other hand, if your home has incurred substantial damage that has rendered it unlivable, then your insurance claim will possibly be worth tens of thousands or even hundreds of thousands of dollars. In that case, it is a good idea to hire a public adjuster who can help you maximize your settlement.
Even though public adjusters take a percentage of the settlement amount to cover their fees, you’ll have a better chance of getting your claim approved if you have a professional adjuster on your side. So, it will definitely be worth the cost of their fees in the end.
How does a Miramar public adjuster get paid?
Public adjusters who work on commission are paid after the policyholder accepts the settlement offer made by their insurance company. A lots of negotiation takes place between the public adjuster and the insurance company. The public adjuster represents the policyholder and always advocates for the possible highest settlement amount. Ultimately, the policyholder ends up with more money, and the public adjuster gets a higher commission.
When an agreement has been reached on the settlement, the insurance company will draw up a check and send it to the policyholder. The public adjuster receives a percentage of the settlement amount. Sometimes the insurance company will send the public adjuster their payment separately, but usually, the policyholder must pay the public adjuster after they receive the check.
How much does a Miramar public adjuster charge?
Public adjusters charge either a flat rate, an hourly rate, or commission fees (contingency fees) for their services. Commission fees are the most common way for public adjusters to be paid. Their fees are based on a percentage of the final claim settlement amount.
Policyholders do not have to pay any money up front to public adjusters if commission fees are charged. That means if the public adjuster is unsuccessful in getting the insurance company to approve the claim, the policyholder doesn’t owe the public adjuster any money. If they win a settlement, their fee comes out of the settlement amount that they helped secure for you.
However, some public adjusters charge a flat rate or hourly rate instead of a commission. This is less common, but it does happen. A flat fee might be charged to handle large claims which have a predictable outcome. If the outcome is less predictable, then a public adjuster will charge an hourly rate because they don’t know how long the claim process will last.