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.

Common Causes of Wind Damage to Homes - LMR Public Insurance Adjusters

IntroductionWind damage to homes is a common occurrence in many parts of the world. It can be caused by strong winds, hurricanes, tornadoes, and other severe weather events. Wind damage can range from minor roof damage to complete destruction of a home. In order to protect your home and property from wind damage, it is important to understand the different types of wind damage and the steps you can take to minimize its effects. This article will provide an overview of the most common causes of wind damage to homes and discuss how LMR Public Adjusters – South Florida’s premier public adjusters – advocating for property owners to maximize insurance claims with personalized dedicated team can help you if your home has been damaged by wind.Comparison Table

Public Adjuster vs. Insurance Claim

When it comes to filing an insurance claim for wind damage, there are two main options: hiring a public adjuster or filing the claim yourself. A public adjuster is a professional who specializes in helping homeowners file insurance claims and negotiate with insurance companies. They are knowledgeable about the insurance process and can help ensure that you receive the maximum amount of compensation for your losses. On the other hand, filing an insurance claim yourself can be time-consuming and complicated. You may not have the same level of knowledge as a public adjuster and may not be able to get the best possible outcome for your claim.

Hurricane Damage vs. Fire Damage

Hurricane damage and fire damage are two of the most common causes of wind damage to homes. Hurricane damage is typically caused by high winds and flooding associated with tropical storms and hurricanes. Fire damage is usually caused by lightning strikes, power surges, or other sources of ignition. Both types of damage can cause significant structural damage to a home, including roof damage, broken windows, and water damage. In both cases, it is important to contact a professional to assess the damage and determine the best course of action.

Water Damage vs. Wind Damage

Water damage and wind damage are two distinct types of damage that can occur to a home. Water damage is typically caused by flooding, leaking pipes, or other sources of water intrusion. Wind damage is usually caused by strong winds, such as those associated with hurricanes or tornadoes. Both types of damage can cause significant structural damage to a home, including roof damage, broken windows, and interior damage. In both cases, it is important to contact a professional to assess the damage and determine the best course of action.

Hail Damage vs. Flood Damage

Hail damage and flood damage are two distinct types of damage that can occur to a home. Hail damage is typically caused by large hailstones that can cause significant damage to roofs, siding, and other exterior surfaces. Flood damage is usually caused by heavy rains or overflowing rivers and streams. Both types of damage can cause significant structural damage to a home, including roof damage, broken windows, and interior damage. In both cases, it is important to contact a professional to assess the damage and determine the best course of action.ConclusionWind damage to homes is a common occurrence in many parts of the world. It can be caused by strong winds, hurricanes, tornadoes, and other severe weather events. Understanding the different types of wind damage and the steps you can take to minimize its effects is essential for protecting your home and property. Hiring a public adjuster, such as LMR Public Adjusters – South Florida’s premier public adjusters – advocating for property owners to maximize insurance claims with personalized dedicated team, can help ensure that you receive the maximum amount of compensation for your losses.Sourceshttps://www.lmrpublicadjusters.com/https://www.iii.org/article/common-causes-of-wind-damage-to-homeshttps://www.thebalancesmb.com/what-is-a-public-adjuster-4158265

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

Common Causes of Wind Damage to Homes

Public Adjuster vs. Insurance Claim

Hurricane Damage vs. Fire Damage

Water Damage vs. Wind Damage

Hail Damage vs. Flood Damage

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