The biggest challenge of filing for an insurance claim is getting the right pay that you deserve. This is where a public adjuster Florida is needed the most. Take note that insurance companies aren’t going to pay you more than what you actually claimed for. At times, the insurer would even pay less if you don’t know how to fight for the right amount. But with a public adjuster defending your claims on the front lines, there’s assurance that you’re getting the pay you deserve.
The rule of thumb when it comes to insurance is that the payment should be enough to restore the property. It should be in a “uniform and consistent” form to say that it’s been fully repaired. If you just let an insurance company-provided adjuster do the checking, there’s a chance that you’ll miss grand bucks.
Should I use a public adjuster? Here’s what you should know:
The initial offer isn’t enough
Most of the time, the first offer the insurance company offers isn’t enough to cover the entire cost of repairs. An untrained eye can’t spot and consider other factors involved in the repair process. So even if you have to pay for public adjuster fees in Florida, hiring one will ensure that you’re getting the right estimate. Public adjusters know that a small detail can result in more dollars of insurance payment.
A repair that matches the property
An insurance company will say that a flood-damaged hardwood floor can be fixed by sanding and drying. But public adjusters would know the truth. Repairs for this kind of damage will require labor fees for moving the furniture and appliances. Also, the actual cost of the original material would be factored in. More often than not, it’s beyond what the private adjuster calculated.
All work factored in
A damaged floor isn’t just a black and white concept. There’s more involved to it than what meets the insurance company’s eyes. For example, if the kitchen floor is soaked, the surrounding cabinets would have to be removed. Since this will be destroyed too, the added cost for repairs would be needed. It could branch out to a host of other expenses depending on the type of flooring.
A Florida public adjuster license makes the representative skilled in inquiring to vendors. They will ask around for the value of the damaged material. If ever the specific cut and design are no longer on the market, it means that the entire floor will be replaced. This is regardless if some spots are intact or not.
Pressing the insurance company
A public adjuster near me is tasked to press the insurance company to pay for the right value. After laying out all the cards, they will fight for your claims. Such bold yet professional move will guarantee that the insurance company won’t skimp on the check.
If you’re filing for a claim, a public adjuster Florida can help you out. The likes of Gold Coast Public Adjusters are ready to represent you on the frontlines of insurance claims.