Many homeowners file insurance claims without being aware that they have the legal right given by the state to hire a Miami Beach public adjuster. Homeowners often wait for many weeks or even months for the insurance company to send an adjuster to review damage from a fire, water leak, or storm that devastated their home. Meanwhile, they are living in a disaster zone, bunking with friends or relatives, or holing up in a motel room.
Not being able to recover financial compensation from your insurance company quick might leave you anxious about getting your home repaired. Kids need to go to school and do homework, and the adults have jobs and other responsibilities. How can you function when your lives have been turned upside down by severe home damage?
Your homeowner’s insurance policy should cover all of the losses that result from a home disaster. Below are the types which most insurance companies cover:
- Cleanup
- Demolition
- Restoration
- Mold remediation
- Structural damage
- Smoke damage
- Relocation
- Temporary housing
- Personal property damage
- Clothing damage
- Evacuation/storm preparation
- Lost income
- Other related expenses
Without a homeowners insurance claims payout, most people are unable to afford to restore their homes. In many cases, the family would be financially wiped out and may become hopelessly indebted. Homeowners insurance is meant to prevent these dire consequences.
As public adjusters in Miami Beach, getting the most out of your claim is what we specialize. We work with families to assess the full value of their claims and ensure they receive everything they need to rebuild their lives. If you have suffered catastrophic home damage, contact our Miami Beach insurance adjuster pros today. We are on your side.
What happens when a homeowners claim is denied?
If you receive a denial, contact a Miami Beach, FL public adjuster right away. Often, these denials can be reversed. You need an insurance expert on your side.
In many denial cases, the insurance company is merely pushing claims through the system without much analysis. Like many industries these days, insurance companies are trying to cut costs. As a result, an overworked insurance-company adjuster may provide incomplete or even inaccurate information, or the back office may improperly interpret your claim.
An independent adjuster can set these situations straight. By thoroughly analyzing your claim and working directly with the insurance company, your independent adjuster can navigate the bureaucracy and get you the money you deserve.
At other times, insurance companies allege negligence. They may claim that the homeowner failed to perform essential maintenance, which resulted in the damage. For example, a leaky pipe may have caused structural damage and mold. The insurance company could claim that the homeowner failed to fix the pipe when the leak started, and the failure to act in a timely fashion resulted in the damages.
When a private adjuster analyzes the insurance company’s negligence claim, he or she often finds it is baseless. For example, there usually would be no method by which a homeowner could have maintained or fixed a leaking pipe. How can the homeowner be negligent when he or she could not fix the pipe? An independent adjuster working on the homeowner’s behalf can easily demonstrate this, leaving the insurance company with no choice but to reverse the claim denial.
If your insurance claim has been denied in Miami Beach, call the best private adjusters in town. We provide immediate service and get results fast.
Undervalued claims
In these economic times, every business focuses on relentless cost-cutting. The insurance industry must make profits, so in times where they are paying large numbers of claims, they become increasingly skimpy about expenses. From the homeowner’s perspective, this means slow processing. Reduced staff must handle large volumes of claims. Statistics also show insurance adjusters take longer to get to the homeowner.
Insurance-company adjusters also must follow the mandates of their employers. As insurers try to contain costs, they often aim for claims payments. To hit their targets, they often need to shave payments. Under this system, their adjusters need to keep their damage estimates on the low side.
Here in Florida, we are used to natural disasters that affect the entire state. Claims processes can become slow. The payouts may tend toward the low side. Attempting to straighten out a small claims adjustment often results in an endless runaround.
If this is your experience in Miami Beach, contact our professional public adjusters right away. They can handle the whole claims process or pick up from where the claim is present. Whatever stage your claim is in, if you are experiencing delays, denials, or low settlement offers, call now.
How public adjusters work in Miami Beach, FL
Our adjusters help at all stages of the process. They perform a comprehensive inspection of damages, assess the actual cost of the damage, and calculate how much of a settlement their client needs to get whole. They also work through the insurance company bureaucracy, so you can focus on getting back to your life. Some of their duties include the following:
- Submitting an insurance claim
- Resuming a previously denied claim
- Adjusting the claim with the insurance
- Correspond proper documentation with insurance companies
- Provide adequate documents
- Give depositions with the insurance company
- Giving an estimation by experts
- Finding all the damages, especially the hidden ones
- And any other related adjusting service
We take care of the insurance company. Our public adjusters in Miami Beach can get you top dollar for your claim. Call now.
What types of claims do our Miami Beach, FL public adjusters handle?
Our adjusters handle all types of homeowners claims. When you work with us, we send you the professional you need, who know what to look for regarding the damages and expenses you face.
Common claims types include the following:
- Water damage
- Storm & Hurricane damage
- Smoke & fire damage
- Roof Leaks
- Mold
- Business interruptions
- Fallen debris, such as tree limbs
- Sinkholes
- Burglaries
You’ve put your heart and soul into your home. It’s the place where you feel safe. Your children create their cherished childhood memories there. When severe damage strikes, you need to receive the compensation you deserve.
Without full compensation for your home’s damages, repairs can fast outstrip your savings. Trying to keep up with the costs can leave you in debt. Dealing with the cleanup can mean time lost from work or your business, which only makes matters worse. This leads to a downward spiral that no homeowner deserves.
That’s why our adjusters are here to help. They know how to maximize your claim, so you get all of the compensation your policy entitles you to receive. You’ve paid your homeowner’s insurance premiums faithfully. Now, in your time of need, you deserve the coverage you are counting on.
If you have a homeowners insurance claim in Miami Beach, call the best public adjusters in Southern Florida. We respond right away. With a comprehensive, professional analysis of your damages and expenses, we can require your insurance company to give you the payout you need. If you are struggling with a homeowners insurance claim, call now.
