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Recovering from a Flood: Post-Loss Checklist

Flood damage is one of Florida’s top reported homeowner’s insurance claims, and is one that hit homes hard just last year in September 2015, when major flooding affected nearly all Delray Beach residents. When a tragedy like this occurs, it leaves many homeowners wondering what they should do in order to get their homes in…

Advocate Claims is an A+ BBB Rated Public Adjuster in South Florida

A public adjuster is a professional claims handler who advocates for the policyholder rather than the insurance company, which is why public adjusters are so popular to turn to in the unfortunate circumstance that a residence or commercial property gets damaged or pilfered. The most common homeowner’s insurance claims filed in the state of Florida…

40% Consumer Complaints Are Due to Poor Claim Handling

POLICYHOLDERS – DON’T BECOME ANOTHER STATISTIC Half of all consumer complaints are due to poor claim handling by insurers Policyholders are complaining about insurance companies.  Why? Claim handling practices such as Denial of claim Delays Unsatisfactory (settlements) Complaints that are specific to state rules and regulations A whopping 47% of consumer complaints in 2015 according…

What is a Public Insurance Adjuster?

Has your home or building suffered property damages like a natural disaster, robbery, vandalism, or pipe burst? Good thing you already know to call your homeowner’s insurance company – but what else should you do? Is there anyone else you should contact? In the event that you need to file a residential or commercial property…

Car and Home Hurricane Protection

We’ve all been there, we have left the garage door open and then it rains, and items get damaged; or we forget to put our hurricane shutters up before a storm warning is sent out. The fact is, a lot of homeowners wait until it is too late to protect their home and their vehicles.…

3 Things Your Standard Homeowner’s Insurance Policy Does Not Cover

Depending on your geographic location, knowing what your homeowner’s insurance policy does and does not cover is crucial to being able to return your home back to normalcy in the event of an emergency. When a home suffers from wind, fire, hurricane damage, tornado damage, pipe bursts, and flooding, and homeowner’s face the unfortunate circumstance…

Evaluating Loss with a Business Ordinance or Law Exclusion

After a severe commercial property loss, one of the worst things that a business owner find out is that they have to rebuild their damaged structure to conform to new building codes. As a result, business owners might find themselves faced with costs that are out of their budget. Licensed public adjusters in South Florida…

The Difference between Replacement Cost and Actual Cash Value

Florida public adjusters want every homeowner to be aware of the residential insurance claim process, as there are many aspects and terms that are not easily defined by homeowners. One of those aspects is Actual Cash Value vs. Replacement Cost Value. In order to make these two concepts simple to understand, the expert public adjusters…

How Is Recoverable Depreciation Computed?

A lot of homeowners and business owners that Advocate Claims Public Adjusters come across wonder how to recover depreciation from an insurance claim. The very first thing that licensed public adjusters will tell you to do is check whether or not you even have recoverable depreciation. The majority of the time, a business or homeowner…

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