Accidental vs Deliberate Fire
The term accidental fire may seem like an obvious term, but your insurance company may not view your home or business fire as accidental. Don’t be dismayed. Insurers routinely try to avoid paying for damages in a variety of ways. If your claim for fire damage is denied or underpaid, a public adjuster can assist […]
Minimize Christmas Claims for Fire, Burglary and Vandalism
It’s never too early to begin thinking about holiday safety. Fires, burglaries and vandalism are the 3 most prevalent types of claims by homeowners during the season of Brotherly Love. Christmas trees, home decorations, shopping for gifts, and family gatherings all contribute to a lack of safety for your home and vehicle during the Christmas […]
Who is Liable for Damages in a Fire?
While a home fire may seem like a straightforward situation for the insurance company to handle, insurers don’t view them in the same way. Fire claims can take unexpected twists and turns that homeowners don’t expect or anticipate. The Search for Responsibility A fire is a highly complex matter for insurers. It’s the most common […]
Can a Public Adjuster Help with Smoke Damage?
One thing that very few homeowners consider after they’ve experienced a fire is the associated smoke damage. It’s important to know that the insurer will typically cover the cost of repairing or replacing furnishings and similar items. However, it may not cover the cost of remediating smoke damage throughout the residence. Coverage varies among insurers. […]
What is it a Public Adjuster Does?
Simply put, a public adjuster works for a home or business owner to obtain a larger reimbursement from an insurance company. Homeowners insurance covers a variety of damages, but what the insurer pays may not be enough to repair, restore or rebuild after a disaster occurs. It's important for individuals to understand two very important […]
Do Public Adjusters Really Work for Me and Not the Insurance Compa
The answer is yes and they do so in a variety of ways. If you have a large or complex claim, it’s a good idea to hire a licensed public adjuster when you file a claim. A public adjuster is the home or business owner’s advocate. That’s in stark contrast to an insurance company adjuster, […]
Do You Have to Pay if a Public Adjuster Doesn’t Collect Money?
Public adjusters are paid a percentage of any additional reimbursement they collect from a client’s insurance company. They don’t get paid unless they’re successful in recovering additional money for the home or business owner. The professionals are motivated to take cases in which there’s a high chance of success and typically don’t accept those in […]
Roof Damage Can be Caused by Several Factors
Damage to roofs is a particular concern in South Florida. Storms come in over land and ocean- generated squalls are always a potential danger. Home and business owners must be vigilant, as damage to their roof can come from causes most people don’t even think about and insurance doesn’t cover every contingency. Trees, Branches and […]
When do You Have to Pay the Public Adjuster’s Fee?
There are a variety of ways that public adjusters structure their fees. Before hiring a public adjuster, it’s important for individuals to fully understand when the professional expects to be paid. Depending on the adjuster, that can include: When a public adjuster negotiated deal is accepted by the client Contingency fee – no payment received […]
Can You Get a Larger Settlement if You Hire a Public Adjuster?
The simple answer is yes, but much will depend on the terms of your policy and any exclusions. However, the insurance industry does track data about public adjusters and their role in settlements. Statistics show that settlements can be as much as 3 to 5 times larger when you hire a public adjuster. Individuals that […]