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 Water Damage from Roof Valleys - LMR Public Insurance Adjusters

South Florida’s tropical climate is no stranger to heavy rains and storms, which can wreak havoc on residential and commercial properties. One of the most overlooked yet common sources of water intrusion is the roof valley — the area where two roof slopes meet. When these valleys become clogged, deteriorated, or improperly sealed, they can channel water directly into your home or business. If you’re facing this issue, understanding how to file a Water Damage Roof Valley Claim is crucial to recovering your losses.

What Causes Roof Valley Water Damage?

Roof valleys are designed to direct rainwater off your roof and into the gutters. However, when debris builds up or flashing becomes damaged, water can pool and seep beneath the shingles. Over time, this leads to leaks, mold growth, and structural damage. In South Florida, where storms are frequent, this type of damage is especially common.

Steps to File a Water Damage Roof Valley Claim

Filing a Water Damage Roof Valley Claim can be complex, especially when insurance companies try to minimize payouts. Here’s how to navigate the process:

Document the Damage: Take clear photos and videos of the affected areas, including the roof valley and interior damage.
Review Your Insurance Policy: Understand what your policy covers regarding roof and water damage.
Contact a Public Adjuster: A professional like LMR Public Adjusters can assess the damage and help you file a strong claim.
File Promptly: Delays can result in denied claims. Act quickly to protect your rights.
Negotiate the Settlement: Insurance companies may offer less than you deserve. An experienced adjuster will negotiate on your behalf for a fair settlement.

Why Choose LMR Public Adjusters?

At LMR Public Adjusters, we specialize in helping South Florida property owners maximize their insurance claims. Whether you’re dealing with water damage, wind damage, or mold damage, our dedicated team has the expertise to handle every aspect of your claim. We offer:

No Recovery, No Fee: You don’t pay unless we win your claim.
Free Claim Assessment: Know your claim’s potential before committing.
24/7 Support: We’re always available to answer your questions and guide you through the process.

Our team understands the unique challenges of living in South Florida, from Fort Lauderdale to Miami and beyond. With a proven track record of success, we’re committed to securing the compensation you deserve.

Final Thoughts

Water damage from roof valleys can lead to costly repairs and long-term issues if not addressed promptly. Filing a Water Damage Roof Valley Claim with the help of experienced professionals ensures that your rights are protected and your property is restored. Don’t let insurance companies dictate your recovery — let LMR Public Adjusters advocate for you.

If your home or business has suffered water damage from a roof valley, now is the time to act. Reach out to LMR Public Adjusters for a free claim assessment and let our experts handle the rest. We’re here to fight for the compensation you deserve — because your peace of mind is our priority.

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 Water Damage from Roof Valleys

What Causes Roof Valley Water Damage?

Steps to File a Water Damage Roof Valley Claim

Why Choose LMR Public Adjusters?

Final Thoughts

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