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

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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.

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.

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.

Optimizing Commercial Insurance Claims

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

Public Adjusters Verses Other Adjusters?

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Knowing the difference:

It is in your best interest to know the difference!

There are three types of adjusters licensed by the State of Florida:

  1. Company Adjuster – is employed by the Insurance Company to represent the company in dealing with your loss and damages. The Company Adjusters main responsibility is to protect the interests of the Insurance Company.
  2. Independent Adjuster – is hired by the Insurance Company to represent the company in dealing with your loss and damages. The Independent Adjusters main responsibility is to protect the interests of the Insurance Company.
  3. Public Adjuster – is the only Adjuster specifically licensed by the State of Florida to represent you, the Insured. The Public Adjusters main responsibility is to protect you and your interests in claims against a loss with the Insurance Company.

Why Hire a Public Adjuster?

If you have just suffered an insurance loss, from a fire, hurricane or some other traumatic event, you may not feel confident in representing yourself and your interests before an Insurance Company. Consider these three points.

  • 1. It is up to you to prove the extent of your loss to the Insurance Company. A typical insurance policy is dozens of pages long and contains numerous provisions and stipulations written in technical and legal terms. Additionally, it contains various forms and endorsements which are constantly changing from year to year. Most Insured’s have difficulty in understanding all of them. To be compensated for your loss, there are certain conditions which must be satisfied Failure to do so could reduce your settlement amount or even cause your claim to be denied.
  • 2. No matter how organized you and your documentation is, filing and receiving payment on a claim can be a time consuming and tedious process.

If you are not sufficiently organized and your loss documented, you may not realize the compensation you have paid for and are entitled to receive.

  • 3. A Public Adjuster has the experience, knowledge and expertise to obtain your maximum entitlements under your policy. 

Remember that the Insurance Company Adjuster is representing the insurance company. It is not uncommon for the Insurance Company to misinterpret their own insurance policy or forget to apply case law or Florida Statutes which supersede their own policy. A Public Adjuster will know current laws as they affect insurance losses and how to best represent you. A Public Adjuster has resources to help you through the maze of estimating, documenting, and filing your insurance claims.