South Florida is the boating capital of the world. Many boat owners will know the financial pain that damage can cause. Nobody enjoys paying monthly insurance bills but as a boat owner, insurance is a necessity. Insurance provides financial protection against devastating boat damage. Unfortunately, insurance companies are notorious for trying to get out of paying insurance claims. The only thing worse than your boat being damaged is having your insurance company delay, underpay or even deny your claim payment.
Luckily, this is where a public adjuster can help handle your boat damage claim. Here our experts from Atlantic Coast Public Adjuster in South Florida, explain what a public adjuster does, and how they can help you with your claim.
What Does a Public Adjuster Do?
A public adjuster is different from an insurance adjuster as they are hired to work on behalf of the people. An insurance adjuster works for, and is paid by, the insurance company. If you are a boat owner that has experienced boat damage, then a public adjuster can help you receive a bigger settlement. It is usually wise to hire a public adjuster before approaching your insurance company about a potential claim. Boat damage claims usually mean a bigger payout. Bigger payouts are likely to flag the insurance company to find a way around paying the whole amount owed.
How Can a Public Adjuster Help with a Boat Damage Claim?
When you buy insurance, you are entering into an agreement with the insurance company. The way that the agreement works is that you pay a premium every month so that if anything happens to your boat that is stipulated within the agreement, the insurance company will cover the boat damage costs. Unfortunately, as with most agreements there are several conditions and exclusions that exist. If your insurance company can use these to get out of paying your claim, they will. Most people will simply accept what the insurance company is telling them because they aren’t trained to provide their own interpretation of the agreement.
Luckily, this is where a public adjuster can help with a boat damage claim. Much like a lawyer, a public adjuster is trained to interpret the agreement language. Except, the public adjuster doesn’t work on the side of the insurance company and can interpret the agreement in your favor. Fixing the damage is an expensive task, so it’s better to hire a public adjuster to help you get the most out of your insurance claim to cover the repair costs.
Tips For Getting a Bigger Settlement from a Boat Damage Claim
One of the reasons why it is better to hire a public adjuster before making your insurance claim, is because the way the claim is presented is extremely important. In order for a claim to be covered by insurance, the reason for the damage needs to be “sudden and accidental”. If your boat damage is because of a crash, leaking, taking on water, or grounding, a public adjuster can help you make sure that whatever happened was in fact sudden and accidental. This will ensure that you receive a larger settlement from your boat damage claim.
Hiring Atlantic Coast Public Adjusters to Help with Your Boat Damage Claim
Here at Atlantic Coast Public Adjusters, we understand that damaging your boat can be stressful enough as is. We want to make sure that you get what you pay for when it comes to insurance claims and try to make the process easier on you. Our expert public adjusters have helped thousands of people with their insurance claims and have even helped some cases receive 500% more than the initial claim offering.
If you have any questions or want to speak to someone today about a potential boat damage claim, then give us a call at 877-561-2524. Let us help you get your boat back on the water!