Hurricane Michael – Your Insurance Claim and why you Need a Public Adjuster

hurricane-michael-panama-city

Hurricane Michael was one of the most intense Atlantic hurricanes to ever make landfall in the United States of America, wreaking havoc on some states including Florida, Georgia, and North Carolina. From its formation on October 7, 2018 up to its dissipation on October 16 of the same year, Hurricane Michael had caused over $8.1 billion dollars in damages and claimed a total of 54 lives, putting many families in a difficult situation.

Are you one of the unfortunate victims of Hurricane Michael? Fortunately for you, if your property is insured, then there’s a chance that you will be rightfully compensated for the damages that your property experienced, whether it’s residential or commercial.

Most insurance companies, however, will make it very difficult for you to get your insurance claim. They either deny it, give you a lowball offer, or delay the entire claiming process. As a policyholder who is recovering from the effects of a traumatic natural disaster, you don’t deserve to be treated like that by the insurance companies. That’s why you should get a public adjuster – to help you get the most out of your insurance claim, minus the stress that usually goes with it.

Insurance companies are notorious for playing hardball when it comes to the claims of their policyholders, even in the wake of a well-known disaster like Hurricane Michael. By getting a public adjuster to help you early on with your claim, an insurance company will know that you mean business and think twice before applying their shady tactics to you, which usually include delaying settlements and denying payments.

Public adjusters are dedicated to serving the best interests of policyholders, not the insurance companies’, which is why hiring them to represent your claim is your best bet to getting a fair property insurance claim settlement. Of course, you can opt to manage your claim yourself, but don’t you think that it’s better to have an expert handle everything for you?

With the help of a public adjuster, you will be getting a lot of free time that you can use to put your life back together. Time is something that is always expended during an insurance claim, as the entire process involves numerous steps that require a lot of energy and effort to do. Apart from the convenience in terms of time, a public adjuster is an expert when it comes to polishing your documentation and making it free of errors, which insurance companies typically use to deny even the most valid of claims.

So, if you want to get the insurance settlement you rightfully deserve without having to go through the trouble of dealing with a hardhearted insurance company, then hire a public adjuster to smoothen out the entire process. The havoc that Hurricane Michael wreaked on your property is not fair, but your insurance settlement should be.

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 (855) 968-1900. To learn more about how APA can help you receive the money you’re entitled, vist our website at  https://apublicadjuster.com/

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.

Home Insurance Claim Assistance is Available

insurance claim assistance

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.

Insurance Claims Management Tips for Businesses

So, you’ve been tasked with managing an insurance claim for your business, now what? Unless you are part of a large company’s dedicated legal or insurance team, managing a business insurance claim may be new to you. While you may welcome the change of pace, you’ll soon find that dealing with insurance adjusters, contractors, inspectors, and others involved in your claim is more time-consuming than you bargained for.

Use the tips below to better manage the entire claims process:

  • Treat it like a project – Invite everyone involved to your online project or task management software so that you have a centralized repository for claim related documents as well as collaboration and scheduling tools.
  • Learn about the commercial claims process – You have a lot to learn including: your company’s business insurance coverage, insurance terminology, claims procedures, how to document damage, your company’s responsibilities, additional coverage that may apply (such as business interruption coverage), commercial construction, and more.
  • Take a proactive approach, diligently looking after your business needs – Every day your business is down translates into thousands of dollars lost. Not only that, a great deal of money is at stake in the form of hidden or unclaimed losses. Remember, you are representing your business’s best interests while your insurance claims adjuster is looking after the insurance company’s best interests. Keep this in mind at all times and provide the insurance company with the facts it needs to pay your company’s claim in full.

Finally, consider working with a public insurance adjuster rather than relying solely on your insurance company’s representative. We manage the entire claim, allowing you to focus on performing your job while we pursue the highest settlement possible.

What to Do After a Storm Damages Your Home

Every year, storms and severe weather events cause billions of dollars of property damage. Just last year, property owners in Georgia bore the brunt of numerous storms — to the tune of more than $151 million dollars. It’s devastating to realize that your home or business has been damaged, and you may not know what to do. Here are the most important steps to take right away:

  1. Do not enter your storm damaged home until authorities have determined it safe to enter.
  2. Notify your insurance company as soon as possible.
  3. Take appropriate measures to secure the home to protect it and your belongings from additional damage. Depending on the nature of the damage, this may be as simple as boarding up broken windows. You may need to hire a contractor for emergency repairs.
  4. Take photos, photos, and more photos. Go room to room, documenting everything from a variety of angles. Take close-ups of identifying tags and serial numbers to help ensure you are properly compensated.
  5. Do not throw away damaged property until your insurance company has inventoried it and authorized its disposal. This is evidence, after all. You need it to support your claim!
  6. Keep all of your receipts for expenses incurred after the loss. For example, you could be entitled to compensation for temporary living arrangements and meals — but only if you have receipts.
  7. Get organized. It’s going to be a long haul with claims forms, correspondence, estimates, inventories, and more. Get a file box, folders, labels, and other office supplies to help you keep everything neat, organized, and readily accessible.
  8. Seek professional help. Public insurance adjusters help policyholders like you settle property damage claims. Tap into our insurance claim expertise and let us handle all aspects of your claim. We work hard to ensure that you get every penny that your insurance company owes you.

Contact a public adjuster today to learn more.

Property Damage in the United States

The National Weather Service released its Natural Hazard Statistics Report for 2013 earlier this summer. In all, extreme weather events caused over $12.7 billion in property and crop damage in 2013, down significantly from 2012’s $38.7 billion. Of the $12.7 billion, property damage accounted for $8.8 billion in losses.

DSCN1670

Costliest Types of Property Damage

What caused the most property damage last year?

  • Tornadoes – $3.6 billion
  • Flash and river flooding – $2.2 billion
  • Thunderstorms / high winds – $1.2 billion

At a more local level, Georgia had over $151 million in property damage in 2013; Florida came in at just over $64 million; North Carolina had over $48 million in property damage while its neighbor to the south, South Carolina, received over $18 million in property damage.

What does all of this mean to you, the property owner in the southeastern United States? Severe weather events are a fact of life in the coastal Atlantic states, and we still have many weeks left in 2014. As the hurricane season winds down, we’ll soon be bracing ourselves for winter storms.

What to Do Now

We’d like to take this opportunity to remind everyone that the best time to prepare is now, before a weather event wreaks havoc on your property. Make sure to get your home ready for winter by clearing out your gutters, checking slopes for proper drainage, sealing windows and doors, inspecting storm shutters, and stocking your emergency disaster kit. We also recommend reviewing your insurance policy to ensure you have sufficient insurance (and that it keeps up with inflation).

While you’re at it, get out your smartphone and take lots of photos of your home and your belongings. Having a complete home inventory along with documented proof of your home’s pre-loss condition can save you a lot of heartache and work should your property become severely damaged.

What to Do If Your Property Becomes Damaged

Know this: You don’t have to file your insurance claim on your own. Contact us as soon as it is practical for a free consultation.

Source:

http://www.nws.noaa.gov/om/hazstats.shtml

Optimizing Commercial Insurance Claims

For those that missed several of my last poste, here you are.