Insurance Claims For Hurricane Irma In The Florida Keys

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Hurricane Irma has traversed the length of Florida and The Florida Keys sustained major damage. With an estimated 100 billion dollars in damages, Floridians are scrambling to recover quickly so that they may go back to their normal way of life. If you live between Key West and Marathon, FL it is important to move quickly with the rebuilding process. Here are a few steps you can take to streamline the process and recuperate quicker.

Alert Your Insurance & Gather Evidence

Call your insurance company and notify them that you will be submitting a claim. Giving them a heads up before submission can help you accumulate information that you may need throughout the claims process such as a deadline for submission or specific procedures that they will need you to follow. Procedures should be laid out in your policy, but speaking to a representative can help clear up any steps you are unsure on. To submit your claim you will need to document all of the damage incurred during Hurricane Irma. Take pictures and notes of the damage dealt to the property and personal belongings.

Dealing with Insurance Adjusters

After Hurricane Irma, there is a reported shortage of insurance adjusters. Insurance adjusters are being spread thin in an uphill battle to get a handle on the mass amounts of claims trying to be submitted. To this end, insurance adjusters are not always fighting for the insured to receive a fair payout from their insurance companies. This is where a public adjuster becomes not only a viable, but necessary option. By allowing a trusted public adjuster to not only fight on your behalf, but also handle the time consuming process of filing a claim, you are giving yourself your best chance at getting everything owed to you.

Experienced companies like Accredited Public Adjusters, LLC understand the verbiage of your insurance policy and will utilize that knowledge in helping you file for varying types of damages that come with a hurricane. Wind, water, flood, and tornado are all damages that can occur and need to be differentiated and documented differently.  Without the skills to do so, claims can be denied or underpaid, leaving the insured to bear the remaining costs.

Water Damage Claims & Time Sensitivity

Every homeowner should be aware of the potential damages that water can cause. Often, water damage occurs somewhere the homeowner won’t find right away, therefore, the homeowner may have no idea that damages are occurring in the first place. Water damage can be prevented, but once water damage occurs, you must know the proper procedures to take to minimize the damages.

The most important thing to remember when it comes to water damage is that you must act quickly. Acting quickly to repair the water damage is the best way to stop the water from being the source of other problems like excessive loss of property and the growth of mold. If your home ever experiences the unfortunate event of water damage, then follow these tips:

Receive Professional Help And Call Your Insurance Provider

Since water damage is a time sensitive disaster that should be attended to as soon as it happens, your first call should be to a water damage restoration company. These companies often charge through insurance providers, so your next move should be to call your insurance provider. Explain the situation, and ask the insurance company what your next move should be. Often, they’ll send out an insurance adjuster to estimate the extent of the damages. This is where the situation can get murky. Water damage claims can be tremendously expensive. Insurance companies would rather not spend this tremendous amount of money, so they attempt to a pull a fast one on homeowners that don’t know any better.

The Issue With Insurance Adjusters

Often, insurance adjusters want to make it so that the insurance provider pays out the absolute minimum for the damages your home has experienced. This absolute minimum usually leaves out important things like the contents of your home from the damages that insurance will pay for. That’s where companies like Accredited Public Adjusters, LLC come in. The benefits of allowing a public adjuster to handle your insurance claim are many. For instance, public adjusters work with your best interest in mind, and not the insurance company’s. Another benefit of hiring a public adjuster is that they have experience in getting what you’re owed by the insurance company. The terminology and know-how that most public adjusters have in their arsenal make them a must-have when dealing with any insurance claim, and specifically, an expensive water damage claim.

Property losses like water damage are stressful and emotional times for the home owner. To get the right amount of money from the insurance, these situations involve a lot of jargon, as well as time sensitive tasks and obligations. During this great time of stress, handing the claim over to a public adjuster like Accredit Public Adjusters LLC will provide you some mental relief knowing that professionals are working to get you the most amount of money possible. For a free home evaluation, call 1 (866) 466-1178

The Benefits of Using a Public Adjuster vs. Handling An Insurance Claim Yourself

Hiring a public adjuster can make the process of handling an insurance claim much less stressful, and can impact the amount of money you receive from your insurance provider. You should aim to work with an experienced and professional claims adjuster. A good public adjuster will work directly with your insurance provider to determine how much the loss you’ve experienced is worth. You should keep in mind that the insurance company may be spot on, and the adjuster may take the insurers side. When hiring a public adjuster, look for one that mentions working for your interests, and obtaining the best possible settlement for the policyholder.

If the settlement that your insurance provider has offered seems low to you, and you think you’re entitled to more money, than hiring a public adjuster, otherwise known as a P.A, is a step in the right direction. Here are 3 reasons why hiring a P.A is a better idea than handling an insurance claim by yourself:

  1. Public Adjusters Work Directly For The Policyholder

A good public adjuster will know the ins and outs of the insurance industry that just isn’t common knowledge to the average homeowner. This gives them the ability and insight to be able to scrutinize your insurance policy down to the smallest details, granting you more money in your settlement as a result. Throughout the entire insurance claim process, the PA will defend your rights as a policyholder and negotiate with the provider to make the outcome of the settlement weigh in the favor of you, the policyholder.

  1. The Policy Holder Doesn’t Pay Out Of Pocket

The expense of hiring a public adjuster won’t come out of your pocket. Instead, the adjuster is paid once a settlement is reached. Once you receive the settlement payment, the PA will receive an agreed upon percentage. This percentage can vary, but usually sits around 10 percent.

  1. P.As Will Help You Receive A Higher Insurance Settlement

Public adjusters are in the business of granting the best possible outcome for the claim under your insurance policy. Unlike the average homeowner, public adjusters know the ins and outs of the ever changing insurance industry, including how an insurance provider evaluates a claim. Curious to know if a public adjuster can help you receive more on your claim? Consider this fact:

Homeowners that hire a public adjuster to handle their insurance claim typically receive 25-50 percent more money in their settlement.

Hiring A Public Adjuster in Florida, North Carolina, or Georgia

Accredited Public Adjusters, LLC is a licensed firm of public adjusters that serves policyholders located in Florida, Georgia, and North Carolina. Whether the loss is residential or commercial, APA can handle the claim. We work on behalf of the policyholder to get them the claim they deserve. To receive a free home evaluation, call 1 (888) 466-1178. To learn more about how APA can help you receive the money you’re entitled, vist our website at  https://apublicadjuster.com/

Preparing for A Water Damage Claim with APA

Water Damage Claim with APA

When water invades your property, things can become very stressful.  The process of cleaning up and dealing with a water damage claim can be a heavy burden.  While dealing with a water damage claim can be difficult, it doesn’t always have to be. Hiring someone to help begin this process is probably in your best interest.  APA is a company that works with property owners to process insurance claims.  A water damage claim with APA can definitely make things easier. Today, we are going to learn some tips that will make the process go much smoother for you.

Five Water Damage Claim with APA Tips

  1. Take lots of pictures:

    The more pictures the better. Make sure to take high-quality pictures of all the damage you find. No matter how small the damage might be, you will need to document it by taking pictures.  While your insurance company will also take their own pictures, it’s good to have your own.  This will help protect your interests in case there are any discrepancies.

  2. Keep good records:

    To help document the event, make sure to keep records of everything. This includes any involvement by others.  If someone comes onto your property to fix a broken pipe or help you recover in any way, make sure to keep records of what they did.

  3. Be careful what you clean:

    While collecting your keepsakes after water damage is ok, you should avoid any major clean ups. Cleaning up may destroy vital evidence that may negatively affect your insurance claim.

  4. Know your insurance policy:

    A great way to see where you stand on your water damage claim is to review your insurance policy. Often your policy will include funds for temporary housing and meals during the restoration process.  This can help put you and your family at ease.

  5. Hire a professional:

    One of the best ways to handle a water damage case is to get some help.  As we learned above, APA is a company that has helped hundreds of people just like when you recover from water damage.  A water damage claim with APA will help get the process moving quickly making your life less stressful.

Using a Public Adjuster for an Insurance Claim Vero Beach, FL

Insurance Claim Vero Beach, FL

Each year residents in Vero Beach, FL are faced with the unthinkable.  House fires, flooding and storm damage can happen in a blink of an eye.  During these events, families often don’t know where to turn.  Dealing with the damage is just part of the problem.  Often filing an insurance claim Vero Beach, FL can be just as difficult.  Luckily, there are some very helpful people that you can turn to in your time of need.  Today, we are going to learn more about public insurance adjusters and how they may be able to help you.

Do You Need a Public Adjuster to Assist with an Insurance Claim in Vero Beach, FL?

If you are filing an insurance claim Vero Beach, FL, chances are a certified public adjuster can help.  Below you will find some reasons why you should seek these insurance industry professionals to work on your behalf.

  • You have a complicated case:

    If your insurance claim case is complicated or involves more than one property owner, hiring a public adjuster can really help. These companies have years of experience dealing with all types of claims and can provide you with professional advice.

  • You simply don’t know how to navigate the situation:

    Most property owners have never had to file an insurance claim before. This can be a difficult process to navigate and doing it alone for the first time can be very scary.  That’s why many people in this situation choose to hire a public adjuster to help them.

  • Your compensation offer is small:

    If you have received an offer from your insurance company and you feel that it is too small, chances are you are right. Insurance companies will often offer the lowest possible settlement offer.  By hiring a public adjuster to go over the case, you can often renegotiate a better offer.  This will get you the compensation you need to get your life back together.

  • You don’t have the time:

    After the damage has occurred to your property, the last thing you want to worry about is dealing with the insurance company. Most of your time will probably be spent trying to pick up the pieces. Hiring a certified public adjuster to help you through the insurance process is definitely a wise decision.

Getting Help with Your Property Damage Claim

Property Damage Claim

When dealing with property damage, chances are most homeowners are in over their heads.  No matter the size of the damage, dealing with the insurance company can be a very difficult task.  That’s why getting help with your property damage claim is your best bet.  Hiring a certified public insurance adjuster is a great way to protect your rights, and get you the compensation you deserve.  Today, we are going to learn how these public adjusters can help you through this tough process.

Five Benefits of Hiring an Adjuster to Assist with your Property Damage Claim

  1. A professional’s opinion:

    Dealing with a property damage claim can be very complicated. Hiring a professional adjuster will give you a professional’s opinion when you need it the most.  These adjusters can help guide you in the right direction and tell you how to deal with insurance companies.

  2. A better payout:

    When insurance companies see that you are working with a professional public adjuster, they are often more willing to settle for larger amounts. Adjusters can help you get the proper settlement amount so that you can rebuild your life sooner.

  3. Documents are everything for you:

    Documenting and taking a photo of your property damage is very important. But it’s easy to miss something if you are not a trained adjuster.  Public adjusters have the proper tools to get the job done.  They will take professional photos of the damage and generate reports.  Having everything in order will help the claims process go smoothly and will often help you get your check much sooner.

  4. They are well worth the money:

    While you will have to pay for their services, hiring an adjuster is well worth the funds. Their professional services will make life much easier.

  5. Adjusters will work with the insurance company:

    If you hate dealing with the insurance company, why not let someone else do it for you?  Adjusters will work on your behalf to get your claim settled.  This service is great for those who simply don’t have the time to deal with insurance companies.

What Does an Insurance Adjuster Do?

what do insurance adjusters do

For those of you who don’t already know what an insurance adjuster is, it is an important profession that property owners greatly benefit from.  Today we are going to learn more about what does an insurance adjuster do and how they can help you when things have gone not so great.

What Does an Insurance Adjuster Do?

A public insurance adjuster is a privately hired person that will help property owners through the insurance claim process.  After an event that has damage property such as a fire, flood or hurricane, an adjuster can be hired to document the damage.  He or she will take photos of the damage and produce a report that will be given to both the property owner and the insurance company.  The adjuster will also work with the insurance company to get the property owner the maximum benefits.

What Does It Take to Be an Adjuster? 

Insurance adjusters have to be certified to work in their field.  This certification requires the adjuster to be knowledgeable and professional.  A test will have to taken and passed before certification can be achieved.  Once passed, a state license will be issued allowing the adjuster to begin work.  This process is designed to protect consumers and weed out those who simply lack the knowledge needed to work in the field.  Each state has different rules and regulations that adjusters will have to adhere to.

Who Can Benefit from Hiring an Adjuster?  

Anyone that is filing an insurance claim on their property can greatly benefit from hiring an insurance adjuster.  Often when you deal with the insurance company alone, you don’t always get the maximum benefits.  But when you hire an adjuster, it sends a clear signal to the insurance company that they are dealing with someone knowledgeable.  Additionally, adjusters will help you keep up with all the necessary paperwork and document everything for you.  This will help speed up the claim’s process, and property owners will likely receive a settlement check faster.  So if you are faced with property damage, a wise move would be to hire your own private insurance adjuster.

Broken Pipe Insurance Claims? Hire An Insurance Adjuster

broken pipe insurance claims

Have you come home after a long vacation and found your home in a mess due to a broken pipe?  Broken pipes are a very common problem that many homeowners face.  The damage caused by burst plumbing can add up rather quickly.  But dealing with the insurance company can be a nightmare.  Broken pipe insurance claims can be difficult to process on your own, so why try when you don’t have to?  Today we are going to learn how an insurance adjuster can help.

Four Reasons to Hire an Insurance Adjuster for Broken Pipe Insurance Claims

Broken pipe insurance claims can be a chore to navigate.  So getting some help is very important.  Below we will learn four good reasons why hiring a public insurance adjuster just makes practical sense.

  1. Insurance adjuster can get the ball rolling:

    Often insurance companies will drag their feet with your claim. But when they realize you have hired a public adjuster, things have a tendency to speed up. Most insurance companies will want to settle fast once they know you have a professional on the job.

  2. They have the necessary tools:

    When investigating broken pipe insurance claims, public adjusters will have the tools necessary to get the job done. Most of them will have a professional camera to take a clear picture of the damage. This will clearly document the event protecting your rights.  Having clear records is very important when filing your insurance claim.

  3. They can get you the proper settlement:

    Many times insurance companies will offer you the least amount of your claim. If you have burst water pipe, chances are you will have water damage that needs to be repaired. In order to get the maximum settlement, you should hire a professional adjuster to help you out.

  4. You will get professional advice:

    An insurance adjuster will be able to offer professional advice that you can greatly benefit from. They will be able to tell you the extent of the damage and what it will cost to repair. This can help you when it comes time get quotes from plumbing companies.

Home Insurance Claim Assistance is Available

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Has your home been damaged by a fire or natural disaster?  Having your home damaged or destroyed can really put your life in a tailspin.  Most of us feel that our homes are where our hearts are and when something happens to it can really stress us out.  On top of dealing with the damage homeowners also have to deal with insurance companies that are not always helpful. But what if there was a way to avoid hassling with the insurance company while still getting the money you deserve?  Well not there is.  Today we are going to learn about the benefits of insurance claim assistance and how it can help you.

The Main Benefits of Insurance Claim Assistance

  • You will get what is owed to you:

    Many times insurance companies will only offer what they feel is the least amount possible. They will quickly deliver you a check but 9 times out of 10 it’s not the maximum that you could get for your damage.  Working with a professional insurance claim assistance specialist who knows what your damage is worth will allow you to get the maximum benefits.

  • Less stress:

    Instead of stressing out and haggling with the insurance company why not let someone represent you. This will help keep the repair process as stress free as possible freeing you up to worry about more important things like getting your life back together.

  • They have resources that you may not:

    Professional insurance claim assistance companies will have state of the art cameras and other equipment to document your damage. While you might have a nice camera on your smartphone it probably can’t compare to a professional grade camera.  This will allow clear and detailed pictures of your damage documenting properly.

  • They make keeping up with paperwork easy:

    When your home has been damaged by fire or water a lot of paperwork goes into the restoration and documentation process. Keeping up with all this paperwork can be difficult so allowing someone else to do it for you is your best option.

Why Use A Public Adjustor For Your Insurance Claim

Insurance Claim Vero Beach, FL

Has your home been damaged by a flood or a fire?  Sadly, this happens to many families each and every year.  Damage from flooding or a house fire can not only destroy those items you hold most dear but severely damage the structure of your home.  When this happens, you will need to file an insurance claim.  But dealing directly with your insurance company can cause you some major headaches.  Instead, there is another option that you have as a homeowner.

Four Benefits of Hiring a Public Adjustor

  1. It will take the stress off of you:

    When your family has been through a flood or a fire, a lot of stress will be placed on them.  To ease that burden, why not bring in someone to help you through the process?  A public adjustor can handle your entire insurance claim for you so that you can focus on what matters most your family.

  2. Your best interest will be protected:

    When you hire a public adjustor to handle your insurance claim, you will have a professional working for you. The insurance companies are known for giving you the least amount possible for your damage property.  But if you have an advocate that knows the process, you will get much more for your damages.

  3. Faster resolution:

    A public adjustor will help speed up the claim process so that you can start rebuilding your home faster. This means that you will be back in your home where you belong in no time at all. No one likes to be stuck in a hotel room for weeks on end, so why not hire a public adjustor to help you get back in your home quickly?

  4. Everything will be organized:

    When you hire a public adjustor, one of their jobs is to keep everything neatly organized so that they can present it to the insurance company. Having things organized will not only speed up the process, but it will give you solid evidence in case your insurance company tries to deny any part of your claim.

Learn More About How Insurance Claims Work:
What is an ‘Insurance Claim’?
Dealing With Your Insurance Company FAQ