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Outline the details of your policy and claim Is the level of your current insurance coverage appropriate for the property? Looking forward, are there any changes to the policy that need to be made? What are the details of my policy? How much coverage is allocated for each affected piece of my claim? What is…

Experience and results dealing with your loss type. Perhaps the most important key to evaluating a public adjuster is to evaluate the results they have produced in dealing with a loss like yours. How many years of experience? How many cases? What were the results of these cases? Ask for References “Trust, but verify.”  The…

David experienced a bathroom leak from his family’s second floor bathroom.  The leak resulted in damage to the bathroom, upstairs carpeting, and the downstairs living room ceiling and walls.   David’s insurance company was quick to offer his family $4,749.00 for a total settlement.  After the deductible and depreciation was applied, David was left with a…

Advocate Claims Public Adjusters of Florida When you have a Florida Homeowners Insurance Claim, the Insurance Company is going to send an Adjuster to investigate the claim on behalf of the insurance group.  The policy and laws state that the Insurance Carrier is responsible to fully investigate the claim.   Almost without fail, insurance companies in…

A reasonable investigation of all conditions to find damage, is the obligation of the Insurance Company Adjuster.  Adjusters should never turn a blind eye, but all too often, this is exactly what Advocate Claims finds when taking on the task of being a Public Adjuster who represents the policy owner only. As the home or…

We find, so often, that insurance claims are ruled by fear. Insurance companies do subtle and overt things that make you feel that it is wrong or hard to file a claim.  Sometimes, this process feels like something you should pull back from, without good reason. Last week, we were called by a homeowner in Ft. Lauderdale, Florida.  The…

Why Won’t my Insurance Company Pay My Claim? A quick Google search shows that you are not alone in asking that question.  There are nearly 45 MILLION results discussing exactly that, and likely as many reasons why insurance companies think they do not have to pay your claim. It can be easy to see why. …

Water damage is the second most common cause of homeowner loss, caused mainly by plumbing failures, freezing pipes, and storm damage. Water-related loss is responsible for over $5 billion in annual homeowner property losses each year, approximately 23% of all homeowner property losses. These figures are all too familiar for Virginia of Stewart Florida.  Hers…

Will My Homeowners Insurance Rates go up if I File a Claim? Many homeowners across Florida worry that simply filing a claim after years of having insurance coverage, will cause an increase in their Homeowners Insurance Premiums.  Regretfully, the fear is legitimate for Floridians.  Thankfully, there are ways to avoid problems and expensive increases in…

Warning – Insurance Company Engineers are Not Your Friends. Recently, insurance companies were ordered by federal judges in New York and New Jersey, to turn over multiple versions of engineering reports that were allegedly falsified and used to deny claims. This marks the first time a wide-spread action has happened legally, to trap the insurance companies in the bad faith efforts…