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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…

Why Does My Insurance Check Have the Mortgage Company Name on It?

After going through the entire process of filing a homeowner’s insurance claim with your South Florida public adjuster, you may notice that your insurance check has your mortgage company’s name on it, and be curious why.  Although you may think you own your home, in reality, if you have a mortgage, the mortgage company has…

How to Find the Right Public Adjuster for your Business

If your commercial property gets damaged or destroyed and you file an insurance claim, be prepared to spend a significant amount of time on the claim process. Being patient during the claim process pays you dividends in the long run. “Documenting a claim” consists of listing and describing everything that was damaged or lost, and…