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.

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.

Five Steps You Should Take After a Fire Damage

fire damage resources

You and your family were away from vacation and you have just come home to a very devastating news.  This tragic news has turned your family upside down, but luckily, no one was home during the fire.  But what happens next?  Where does your family turn and what steps do you need to take?  These are questions that need answers.  If your home has suffered fire damage in Ft. Pierce FL, there are some things that you will need to do right away.  Below you will find five steps that will help get your life back to normal after a devastating house fire.

Five Important Steps to Take After Fire Damage

  1. Call your insurance company:

    After the fire has been put out, it’s time to call your homeowner’s insurance company and let them know what has happened.  In a few short days, they will send out an insurance adjustor to inspect any fire damage that has occurred.

  2. Gather your personal information:

    If you had a safe in your home, 9 times out of 10 it made it through the fire without damage to the items inside.  Make sure to recover the safe so that you will have your personal documents ready in case you need them.

  3. Look for sentimental items:

    Often times you will be able to find some sentimental items such as pictures that made it through the fire with little to no damage.  Make sure to look around for these items as soon as you can to prevent any further damage that might happen.

  4. Secure a place to stay while your home is being repaired:

    Contact friends or family members to see if your family can stay with them during the restoration process. If no one can accommodate you, try to find a hotel that allows for an extended stay.

  5. Get a second opinion:

    After your insurance company has had the chance to go over the fire damage to your home, get a second opinion.  By hiring an independent public adjusting firm to conduct an adjustment on your home, you will be better protected.  Insurance companies often try to offer the least amount possible for your fire damage.  This practice is industry wide, and the only real way to get what you deserve is by having an independent adjuster speak up for you.

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.

When to Hire a Public Adjuster

Wind damage for tornado

Imagine this scenario: a tornado blows through your town and inflicts substantial amounts of damage on your home, with high winds tearing off parts of your roof and flattening your garage. You contact your insurance company to make a claim and their adjustor will only agree to pay out a fraction of the cost of repairs. Do you have any recourse? You do if you hire a public adjuster: here’s a quick overview of how this type of professional can help.

 Unlike an adjuster who works for your insurance company, a public adjuster works for YOU: the policy-holder. He will bring in a team of inspection professionals who can make their own determinations and bring a more impartial view to the claims process. He will act as your representative and negotiate on the scope of damages on your behalf. In many cases, a public adjuster can negotiate significant increases in property insurance settlements so you can better get your life back in order.

So when should you hire a public adjuster? A good rule of thumb is to bring one in whenever you make a property insurance claim that runs into the thousands of dollars. You want to be sure that your interests are being looked after and that the insurance company is treating you fairly. When choosing a public adjuster, be sure to select one that is accredited, has years of experience in the field, is licensed in your particular state and holds an ACA accreditation.

Public Adjusters Verses Other Adjusters?

anim Fire - Accredited Public Adjusters

 

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.