Who pays for a public adjuster?

Technically, the policy holder pays the public adjuster, but most public adjusters charge a percentage of the final settlement. This means it is in the public adjuster’s best interest to get the policy holder the largest settlement possible. Though it might seem counterintuitive to pay a third-party when you are trying to maximize your compensation, the chances you will be treated fairly are increased when working with a public adjuster.

Who pays for a public adjuster?

Technically, the policy holder pays the public adjuster, but most public adjusters charge a percentage of the final settlement. This means it is in the public adjuster’s best interest to get the policy holder the largest settlement possible. Though it might seem counterintuitive to pay a third-party when you are trying to maximize your compensation, the chances you will be treated fairly are increased when working with a public adjuster.

Why do I need a public adjuster?

Insurance companies have adjusters working on their behalf and you deserve the same. A public adjuster interprets your insurance policy to determine what coverage you are entitled to and provides an analysis of the losses. Essentially, they are ensuring that you are treated fairly by the insurance company and that you get what you deserve. They might also have access to resources that can help you better support claim.

Why do I need help in filing an insurance claim?

It is possible to file your insurance claim on your own, but it is not advisable. This is because the average policyholder does not have the resources or experience that insurance company representatives have. As a policyholder, you deserve to have someone in your corner protecting your rights and ensuring you receive the compensation to which you are entitled. And because insurance policies are often complex and ambiguous, it helps to have someone with knowledge to help you sort through the details.

Will you help me receive a more prompt and satisfactory settlement?

Public adjusters do everything they can to ensure that policyholders receive a fair settlement as quickly as possible. Working with a public adjuster might extend the period of time it takes to ultimately settle your claim because of negotiations, but it will shorten the period of time it would take to negotiate a fair settlement on your own. Insurance companies want to settle for as little as possible as fast as possible and this results in cheating policyholders. Public adjusters protect against this.

What type of claims do you handle?

We are able to assist you in with claims related to a variety of different types of damage to your property, including fire and smoke, water damage from flooding or plumbing issues, sinkhole damage, and damage from weather or wind. If any type of manmade or natural disaster has caused damage to your property, it is a good idea to speak to a public adjuster so they can determine if your policy covers the damage.

My insurance claim is underway and I received an offer from my insurance company but I’m worried that the settlement amount is too low. Is it too late to hire a public adjuster?

No, it is not too late. As a matter of fact, you should have someone review the offer to make sure it is fair. If it is your first offer from the insurance company, chances are it is much lower than what you deserve and a public adjuster can help you determine a fair amount you should be seeking. A public adjuster can also help you negotiate the claim settlement and quickly settle the claim for the maximum amount.

Will I get a higher settlement if I hire a public adjuster?

Possibly. It is in the best interest of the public adjuster to get you as large of a settlement as possible because they receive their payment as a percentage of your settlement. Though working with a public adjuster does not guarantee a higher settlement, it increases the odds of getting one and ensures that the settlement you ultimately receive will be fair and based on the compensation you are entitled to as a result of your policy.

What is the difference between a Public Adjuster and the insurance company’s adjuster?

The primary difference is that a public adjuster is your advocate while an insurance company’s adjuster is working for the insurance company. Though it might seem as if the insurance company’s adjuster is in your corner, they are not. He or she is an employee of the insurance company and will do everything possible to protect the insurance company’s bottom line. A public adjuster is there to ensure you are treated fairly and that you receive the compensation you are entitled to.

Will I lose my coverage if I hire a Public Adjuster?

No. Hiring a public adjuster is perfectly legal and a perfectly normal thing to do. Insurance companies know that policyholders are entitled to working with their own adjuster, but it is not something they are going to encourage. However, they are not able to punish you by dropping coverage or increasing your rates if you choose to work with a public adjuster, even if they would prefer you not do so.

Filing a Claim for Wind-Driven Rain Damage - LMR Public Insurance Adjusters

Living in South Florida means enjoying sunshine and coastal beauty—but it also means facing unpredictable weather, especially during hurricane season. One of the most misunderstood types of property damage is caused by wind-driven rain. Unlike typical water damage, this occurs when rain is propelled by strong winds and infiltrates your property through closed windows, doors, or even tiny cracks in the structure. Filing a Wind-Driven Rain Damage Claim can be complex, but understanding the process can make all the difference in securing the compensation you deserve.

What Is Wind-Driven Rain Damage?

Wind-driven rain refers to rain that is forced into a building by high winds, often during storms or hurricanes. This type of damage is not always immediately visible and can lead to serious issues like mold growth, structural weakening, and interior damage. Insurance companies often dispute these claims, arguing that the water intrusion was due to pre-existing conditions or lack of maintenance.

Challenges in Filing a Wind-Driven Rain Damage Claim

Insurance policies can be vague or restrictive when it comes to wind-driven rain. Many policies exclude water damage unless there is visible wind damage to the exterior, such as a broken window or missing shingles. This makes it essential to document everything thoroughly and understand your policy’s fine print.

Proof of Wind Damage: Insurers often require evidence that wind compromised the structure before water entered.
Hidden Damage: Moisture behind walls or under floors may not be immediately apparent but can cause long-term issues.
Policy Exclusions: Some policies exclude wind-driven rain unless specific conditions are met.

How LMR Public Adjusters Can Help

At LMR Public Adjusters, we specialize in navigating the complexities of insurance claims, including those involving wind-driven rain. Our experienced team conducts thorough inspections, documents all damage, and negotiates directly with insurance companies to ensure you receive the maximum settlement.

We’ve helped countless homeowners and businesses across South Florida—from Fort Lauderdale to Hollywood—recover from storm-related losses. Our “No Recovery, No Fee” policy ensures that we’re as invested in your claim as you are.

Steps to Take After Wind-Driven Rain Damage

Document Everything: Take photos and videos of all visible damage immediately.
Prevent Further Damage: Use tarps or temporary repairs to stop additional water intrusion.
Review Your Policy: Understand what is covered and what exclusions may apply.
Contact a Public Adjuster: Reach out to LMR Public Adjusters for a free claim assessment.

Why Choose LMR Public Adjusters?

With decades of experience and a proven track record, LMR Public Adjusters is South Florida’s trusted partner in property damage claims. We handle everything from wind damage to water damage, mold, and more. Our team is available 24/7 to guide you through every step of the claims process.

Final Thoughts

Filing a Wind-Driven Rain Damage Claim doesn’t have to be overwhelming. With the right support, you can navigate the insurance maze and secure the compensation you need to restore your property. Don’t let your insurer undervalue your claim—get expert help to ensure your rights are protected.

If your home or business has suffered from wind-driven rain, now is the time to take action. Let the experts at LMR Public Adjusters handle your claim with the dedication and expertise you deserve. Reach out today for a free claim assessment and discover how we can help you recover what you’re entitled to.

Testimonials

Extremely knowledgeable and professional firm. The employees are fast, efficient and a joy to work with. We would not have been able to rebuild our home after Hurricane Sally without them. Highly recommend their services.

- Jennifer Medeiros

LMR is the best! Thorough, efficient and quite effective, in every way. Guy Hendel is our hero for the profession of public adjuster.

- Ronald Brauner

LMR Public adjusters did an amazing job for us, we're very pleased and impressed with their professionalism and prompt execution of our insurance claim.Special shout-out to Leor, our adjuster; very knowledgeable, diligent, organized. kept us informed each step of the way, he's a pleasure to work with. Most important; he gets results!! Thank you again

- Roy Shriki

Very efficient and easy to work with. Responsive and all around had a great experience with our claim. Highly recommend, as they are experts in the business!

- Narmar Hanna

Filing a Claim for Wind-Driven Rain Damage