Information to have ready for your claim:
- General Information: Name, property address, contact numbers (home/business phone and cell)
- Info about property: Square footage, types of flooring
- Date of loss
- Source of loss
- Is the source fixed?
- Is there electricity?
- Description of areas affected (rooms, walls)
Fort Lauderdale Public Adjusters FAQs
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We advise not to do it. Gold Coast licensed 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, they may raise your rates even though you are not making a claim.
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No. You are under no obligation to use their suggested contractor. Remember, these contractors get their work assignments from the claim company so, many times you are better off using your own contractors making sure they really work for you and not the insurance company.
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No. Your roof is not covered. Roof repairs are considered regular maintenance. The policy will only cover interior damages that occur subsequently to your roof damage.
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Claims can be reopened and you may request additional payments as long as your damages are properly documented.
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Absolutely not. The only people authorized in the State of Florida to negotiate and settle a claim are the policyholder, a public adjuster, like Gold Coast licensed Public Adjusters, and an attorney.
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Yes. Cashing your check doesn’t prevent you from reopening your claim and ask for additional money. Call Gold Coast Public Adjusters if you need to reopen a claim
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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.
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Yes. It is the 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 Certified Adjusters.
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Gold Coast will put the estimate of damages together for you and save you the trouble of getting three estimates.
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For claims purposes, you are the person responsible for documenting your loss. Gold Coast Licensed Adjusters will fully document your loss for you and take that headache away from you
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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.
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You have an obligation to stop any leak and mitigate any damage under the conditions of your policy. The 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.
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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.
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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 Licensed Public Adjusters and Attorneys are licensed to advocate insurance claims on your behalf.
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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 and you may be looking at years to get your claim settled!