Gold Coast Public Adjusters in Fort Lauderdale. Insurance Claims Experts
Most common questions about Insurance Claims and Public Adjusters Services
Here is a list of common questions we have been asked in regards to our services as public adjusters and insurance claims
Should I call the insurance company or insurance agent before I hire a public adjuster?
We advise not to do it. Gold Coast Fort Lauderdale Public Adjusters will help you to decide if it is worth reporting this claim to your insurance company. Even if you are only asking them a question, the insurance company may raise your rates even though you are not making a claim.
Am I required to use the insurance company’s contractor?
No. You are under no obligation to use their suggested contractor. Remember, these contractors get their work assignments from the insurance company so, many times you are better off using your own contractors making sure they really work for you and not the insurance company.
My roof is leaking. Should I report this to my insurance company?
No. Your roof is not covered. Roof repairs are considered regular maintenance. The insurance policy will only cover interior damages that occur subsequently to your roof damage.
I am not happy with my insurance settlement. What should I do?
Insurance claims can be reopened and you may request additional payments as long as your damages are properly documented.
My contractor said he will negotiate my claim. Should I allow him to do this?
Absolutely not. The only people authorized in the State of Florida to negotiate and settle an insurance claim are the policyholder, a public adjuster like Gold Coast Fort Lauderdale Public Adjusters, and an attorney.
Should I cash my check even if I don’t like the claim settlement?
Yes. Cashing your check doesn’t prevent you from reopening your claim and ask for additional money.
If the insurance company’s check is written to my mortgage company, how do I cash the check?
Your mortgage company will have to endorse your check in order for you to cash it or, perhaps better, they should reimburse you for the total amount of your claim check. You will need to communicate with your mortgage company to find out their particular process for determining that you repaired your damage to their satisfaction.
Can my insurance company drop me after I make a claim for property damage?
Yes. It is the insurance company’s decision to keep or raise your premium, and even drop you after a claim. They have the right not to renew your policy. Simply be aware and look for the best advice with Gold Coast Fort Lauderdale Public Adjusters.
The insurance company requires three written estimates. What should I do?
Gold Coast Fort Lauderdale Public Adjusters will put the estimate of damages together for you and save you the trouble of getting three estimates.
The insurance company adjuster came and took pictures and told me it is fine to throw everything away, but the adjuster left things out of my estimate. How do I deal with this?
For claims purposes, you are the person responsible for documenting your loss. As a public adjuster, Gold Coast Public Adjusters will fully document your loss for you and take that headache away from you
The insurance company said the loss is not covered. Can I still hire a public adjuster like Gold Coast Public Adjusters?
Gold Coast Public Adjusters will only take on assignments if we feel it should be covered. That is why it is better to meet with a public adjuster at the start of your claim process, even before you contact your insurance company.
I have a water leak but I don’t know where it is coming from. What should I do?
You have an obligation to stop any leak and mitigate any damage under the conditions of the insurance policy. The insurance company can deny your claim for not stopping the leak in a timely manner. This can be very costly if not taken care of properly.
I want to report my claim and see what they pay me before I hire a public adjuster. Shouldn’t I do this?
Most public adjusters will charge more for a claim once it has been submitted to the insurance company because it is more work to undo problems that existed before they entered the case.
I called my insurance agent to discuss my claim. Should I have done this?
No, you shouldn’t have called them. Calling them right away is the conventional wisdom drummed into policyholder minds from insurance company advertising. Remember, the “captive” insurance agent works for their insurance company and “independent” agents work for many insurance companies. All of these agents have a contractual obligation and get paid by the insurance company. Only public adjusters like Gold Coast Public Adjusters and Attorneys are licensed to advocate insurance claims on your behalf.
Should I hire a public adjuster like Gold Coast Public Adjusters or an attorney to handle my claim?
Public adjusters offer many advantages over hiring an attorney for a covered insurance loss. Adjusters handle claims for the insurance company, just like public adjusters give you personal adjusting service. Public Adjusters try to keep the claim moving, arriving at a much quicker settlement for far less money than attorneys. Remember, once you hire an attorney, the insurance company will bring in their attorneys too. If the courts are involved you may be looking at years to get your claim settled!