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.

Flood Damage Claims: How LMR Public Adjusters Can Make a Difference

Meta-description: Discover how LMR Public Adjusters, South Florida’s premier public adjusters, can make a significant difference in your flood damage claims.

Introduction: The Challenge of Flood Damage Claims

Flood damage can be a nightmare for property owners. The process of filing Flood Damage Claims can be complex and overwhelming. But don’t fret! LMR Public Adjusters, South Florida’s premier public adjusters, are here to help you navigate this daunting process.

Why You Need Expert Help with Flood Damage Claims

Filing a flood damage claim is not a walk in the park. It involves a lot of paperwork, understanding of insurance policy language, and negotiation skills. This is where LMR Public Adjusters come in. With their expertise, they can help you maximize your claim and get the compensation you deserve.

The Role of LMR Public Adjusters in Flood Damage Claims

LMR Public Adjusters play a crucial role in handling flood damage claims. They advocate for property owners, ensuring that they receive the maximum payout from their insurance companies.

How LMR Public Adjusters Make a Difference

Understanding Your Policy

LMR Public Adjusters help you understand the ins and outs of your insurance policy. They explain the fine print and ensure that you are aware of your coverage and limitations.

Assessing the Damage

LMR Public Adjusters conduct a thorough assessment of the flood damage. They document everything and use this information to build a strong case for your claim.

Negotiating with the Insurance Company

One of the biggest challenges in filing flood damage claims is dealing with the insurance company. LMR Public Adjusters take this burden off your shoulders. They negotiate with the insurance company on your behalf, ensuring that you get the best possible settlement.

The LMR Public Adjusters Advantage

Personalized Service

At LMR Public Adjusters, you’re not just another client. They provide personalized service, treating each case with the attention and dedication it deserves.

Expert Team

LMR Public Adjusters boasts a team of experienced and knowledgeable professionals. They have the skills and expertise to handle even the most complex flood damage claims.

Proven Track Record

LMR Public Adjusters have a proven track record of success. They have helped countless property owners in South Florida maximize their insurance claims.

FAQs

What is a public adjuster?

A public adjuster is a professional who advocates for the policyholder in appraising and negotiating an insurance claim.

Why should I hire LMR Public Adjusters?

LMR Public Adjusters have the expertise and experience to handle flood damage claims. They can help you understand your policy, assess the damage, and negotiate with the insurance company.

How can LMR Public Adjusters help me maximize my claim?

LMR Public Adjusters use their knowledge and skills to build a strong case for your claim. They document the damage, interpret the policy language, and negotiate with the insurance company to ensure you get the maximum payout.

What areas does LMR Public Adjusters serve?

LMR Public Adjusters serve South Florida and its surrounding areas.

How can I contact LMR Public Adjusters?

You can contact LMR Public Adjusters through their website or by calling their office.

Conclusion: Making a Difference in Flood Damage Claims

Filing flood damage claims can be a daunting task. But with the help of LMR Public Adjusters, it doesn’t have to be. They can make a significant difference in your claim, ensuring that you get the compensation you deserve. So if you’re dealing with flood damage, don’t hesitate to reach out to LMR Public Adjusters. They’re here to help!

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