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.

What to Do After a Sudden Ceiling Collapse - LMR Public Insurance Adjusters

A sudden ceiling collapse can be a terrifying and dangerous experience. Whether caused by water damage, structural failure, or hidden mold, the aftermath can leave homeowners and business owners feeling overwhelmed and unsure of what to do next. Understanding the proper Ceiling Collapse Safety Steps is crucial to protect your health, secure your property, and ensure a successful insurance claim.

At LMR Public Adjusters, South Florida’s premier public adjusting firm, we specialize in helping property owners navigate the complexities of insurance claims after unexpected disasters like ceiling collapses. Here’s what you need to know to stay safe and take control of the situation.

1. Prioritize Safety First

Immediately evacuate the affected area. A collapsed ceiling can expose live electrical wires, sharp debris, or unstable structures. Do not attempt to inspect or clean up until it’s confirmed safe by professionals. If anyone is injured, call emergency services right away.

2. Shut Off Utilities

If safe to do so, turn off electricity and water supply to prevent further hazards. Ceiling collapses often result from water damage or plumbing issues, which can worsen if not addressed quickly.

3. Document the Damage

Take clear photos and videos of the damage from multiple angles. This documentation is vital for your insurance claim. Capture any visible signs of water leaks, mold, or structural issues that may have contributed to the collapse.

4. Contact a Public Adjuster

Before notifying your insurance company, consult with a trusted public adjuster. At LMR Public Adjusters, we offer a free claim assessment to evaluate your situation and guide you through the claims process. Our team handles everything from inspections to negotiations, ensuring you receive the maximum compensation possible.

5. Prevent Further Damage

Once the area is safe, take steps to prevent additional damage. This may include covering exposed areas with tarps or moving valuables out of harm’s way. Avoid making permanent repairs until your claim is properly documented and approved.

6. File Your Insurance Claim

With the help of an experienced adjuster, file your insurance claim promptly. Our team at LMR Public Adjusters has extensive experience handling property claims for ceiling collapses, water damage, and more. We work on a contingency basis—meaning we don’t get paid unless you do.

7. Schedule a Professional Inspection

Have a licensed contractor or structural engineer assess the damage to determine the cause and scope of repairs. This report can support your insurance claim and ensure that all necessary repairs are covered.

8. Begin the Restoration Process

Once your claim is approved, begin repairs with a reputable contractor. LMR Public Adjusters can recommend trusted professionals in your area to restore your home or business safely and efficiently.

Why Choose LMR Public Adjusters?

Serving homeowners and businesses across Florida—from Fort Lauderdale to Tampa—LMR Public Adjusters is committed to delivering expert guidance and maximum results. Our team is available 24/7 to assist with emergencies like ceiling collapses, mold damage, and pipe bursts.

No Recovery, No Fee: You only pay if we win your claim.
Free Claim Assessment: Know your options before filing.
Expertise: Decades of experience in Florida property claims.
Customer Support: Personalized service from a dedicated team.

Conclusion

A ceiling collapse is more than just a structural issue—it’s a serious safety hazard that demands immediate and informed action. By following the right Ceiling Collapse Safety Steps, you can protect your family, preserve your property, and secure the compensation you deserve.

If you’re facing the aftermath of a ceiling collapse or any type of property damage, don’t navigate the insurance process alone. Let the experts at LMR Public Adjusters advocate for you. With a proven track record and a commitment to client success, we’re here to help you rebuild with confidence. Contact us today for your free claim assessment and take the first step toward recovery.

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

What to Do After a Sudden Ceiling Collapse