Why You Need a Florida Public Adjuster When Filing a Homeowner’s Insurance Claim

If you are like most people, you have a homeowner’s insurance policy that you are unfamiliar with. But what if you have a fire, flood, or some other disaster that forces you to call your insurance company and make a claim? Do you know the proper steps to ensure that you get fully reimbursed?

When you have car accident, you contact your insurance company, give them all of the information, and things are in motion within 24 to 48 hours. If you have ever had to file a homeowner’s insurance claim then you know the experience is not the same.

When you need to make a claim against your homeowner’s insurance, you will realize a sad truth: they do not want to pay your claim. Whether you have had the same homeowner’s insurance company for two years or 20, they will take as many precautions and loopholes in order to pay as little as possible. Frequently, the insurance settlement will not cover the cost of repairing, cleaning, or replacing the damages made to your personal property, at today’s costs.

Here are three reasons why you need a Public Adjuster when filing a homeowner’s insurance claim:

• No “skin in the game” – Your insurance company has money to lose when you make a claim. Most insurance companies will offer a quick payoff that comes nowhere close to covering the damages done to your property, on top of not covering personal property loss. A Public Adjuster, who typically charges a % fee based on the total value of your claim, has no stake in your claim. It is in their best interest to get you every single dime that they can since they do not get paid until you get paid.
• Tireless advocate – Licensed Public Adjusters are tireless advocates for their clients, working hard to back up your claim with damage assessments, photos, and the hiring of experts to help document your damages. Again, their goal is to get you as much money as possible so that you can recover the things that you lost, repair the property damages, repurchase, and clean to a like-new condition; allowing you to get your life back together, as soon as possible.
• You lack time – If you have no time to be present at numerous inspections, to gather a list of what was lost, taking photos of damage, or proving the value of things, then you need a Public Adjuster. Licensed Public Adjusters take over the work for you, so that you can focus on other things while you are going through the claim and rebuilding process.

These are just some of the many reasons why hiring a licensed Public Adjuster is a good idea when you have to file a claim against your homeowner’s insurance company. The fact is, insurance companies are in the business of making money. Insurance companies typically are betting against you, making sure that most of the time they will never have to pay out a claim against the years of premiums that you have paid towards your policy.

Whether your claim is large or small, the licensed public adjusters at Advocate Claims are here to help. Advocate Claims has been helping property owners like you for over 10 years.  If you or someone you know has recently suffered a loss, Advocate Claims can help. Give their public adjusters a call today at 954-369-0573. Speak with a licensed public adjuster about the insurance claim process and see what they can do to help you.