Public adjusters are professionals who provide insurance and property protection to homeowners and businesses. A Miami public adjuster can help South Florida residents recover from losses caused by natural disasters like hurricanes, floods, or fires. Most importantly, they help get the insurance companies to pay out after a loss.
Public adjusters work for the homeowner or business, not the insurance company. They’re paid on a contingency basis, which means that they only get paid when they win a claim.
Here are some of the most important things to know about public adjusters—including when you may need one.
What is a Public Adjuster?
A public adjuster, also known as a loss adjuster, is a person who is licensed to negotiate with insurance companies on behalf of the insured party. They are often called in to make sure that an insurance company is doing their due diligence and settling claims fairly and correctly. If you live in South Florida and need help with a claim, it’s best to contact a reputable Miami public adjuster as soon as possible.
They deal with the insurance company on behalf of the homeowner and file claims. They also negotiate and review coverage and benefits and they advocate for their client. Ultimately, a public loss adjuster represents the insured in all phases of an insurance claim.
When is a Public Adjuster Needed?
Public adjusters can be contacted for many different reasons including but not limited to: denial of claim, settlement offer, property inspection or appraisal, property damage estimate, loss documentation or statements, and more. The most common time to need one is when your property has been degraded from water damage, fire damage, vandalism, or any other type of natural or man-made disaster that impacts your home or business.
Do you live in South Florida?
If your home, boat, business, or property has suffered hurricane damage, don’t rely on your insurance company to make you whole. Their objective is always to settle your claim for the least amount of money possible. Call a Miami public adjuster instead! Their job is to work for you.
What is a Contingency Fee?
A contingency fee is a percentage or dollar amount that is charged in most personal injury and wrongful death cases. It’s charged by an attorney to their client, which pays for the attorney’s medical bills, lost wages, and other out-of-pocket expenses for defending the case against the insurance company. A contingency fee also goes into his or her pocket if they win the case.
Ways a Public Adjuster Can Help
A public loss adjuster has more responsibilities than an attorney. He or she can make sure that someone is not cheating you on your policy; they can also help you get the best recovery for your property and help negotiate with the insurance company to ensure that someone else did not cause the accident and did not file a claim for it.
Remember, a public adjuster is here to protect you, and will work for a commission of one third of what you receive; they do not charge any upfront fees or take money out of what you recover.
What to Look for in a Florida Public Adjuster
There are two kinds of public adjusters: those who work on a contingency and those who work for a retainer. The way you choose the one you need is to decide how much risk and responsibility you want to take on.
A contingency fee public adjuster may or may not be present through the entire process, so if you hire one, it is your responsibility to make sure that they care as much as you do about getting the best recovery for your property, or that they go as far as you would like them to.
Speak with a Miami Public Adjuster Today
A public adjuster can be very important for you to hire if you want to make sure that your insurance company is paying for what they should be. In the event of a catastrophe, having a Miami public adjuster could mean getting more out of your policy than you would otherwise.