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.

How to File an Insurance Claim After Property Damage from a Hurricane

Hurricanes can cause extensive property damage, and filing an insurance claim can be a daunting task. Fortunately, there are professionals who specialize in helping property owners maximize their insurance claims. LMR Public Adjusters is South Florida’s premier public adjuster, advocating for property owners to maximize their insurance claims with personalized dedicated teams. In this article, we’ll discuss the process of filing an insurance claim after property damage from a hurricane.

Assessing the Damage

The first step in filing an insurance claim is to assess the damage. This includes taking pictures of the damage, making a list of damaged items, and documenting any repairs that have already been made. It’s important to document everything thoroughly, as this will help ensure that you receive the maximum amount of compensation from your insurance company.

Contacting Your Insurance Company

Once you’ve assessed the damage, it’s time to contact your insurance company. You should provide them with all of the documentation you’ve collected, including photos and lists of damaged items. Be sure to keep detailed records of all conversations with your insurance company, as this will help ensure that your claim is processed quickly and accurately.

Filing the Claim

After you’ve contacted your insurance company, it’s time to file the claim. Depending on your policy, you may need to fill out a form or submit an online application. Make sure to provide all of the necessary information, such as the date of the hurricane, the location of the damage, and the estimated cost of repairs.

Hiring a Public Adjuster

If you’re having difficulty filing your claim or if you feel like you’re not getting the compensation you deserve, you may want to consider hiring a public adjuster. A public adjuster is a professional who specializes in helping property owners maximize their insurance claims. At LMR Public Adjusters, we have a team of experienced public adjusters who can help you get the most out of your insurance claim.

Negotiating With the Insurance Company

Once you’ve filed your claim, it’s time to negotiate with the insurance company. This can be a difficult process, but a public adjuster can help you navigate the process and ensure that you get the compensation you deserve. They can also help you understand the terms of your policy and make sure that all of the paperwork is filled out correctly.

Receiving Payment

Once your claim has been approved, you’ll receive payment from your insurance company. Depending on your policy, you may receive a lump sum or a series of payments. Make sure to keep track of all payments and follow up with your insurance company if you don’t receive the full amount you’re owed.

Conclusion

Filing an insurance claim after property damage from a hurricane can be a complicated process. However, with the help of a public adjuster, you can ensure that you get the maximum amount of compensation from your insurance company. At LMR Public Adjusters, we specialize in helping property owners maximize their insurance claims with personalized dedicated teams.

FAQs

Q: What is a public adjuster?

A public adjuster is a professional who specializes in helping property owners maximize their insurance claims. They can help you understand the terms of your policy and negotiate with the insurance company to ensure that you receive the maximum amount of compensation.

Q: How do I file an insurance claim?

The first step in filing an insurance claim is to assess the damage. This includes taking pictures of the damage, making a list of damaged items, and documenting any repairs that have already been made. Once you’ve assessed the damage, you should contact your insurance company and provide them with all of the necessary documentation. Finally, you’ll need to fill out a form or submit an online application to file the claim.

Q: What happens after I file an insurance claim?

Once you’ve filed your claim, it’s time to negotiate with the insurance company. This can be a difficult process, but a public adjuster can help you navigate the process and ensure that you get the compensation you deserve. Once your claim has been approved, you’ll receive payment from your insurance company.

Q: What is the benefit of hiring a public adjuster?

Hiring a public adjuster can help you maximize your insurance claim and ensure that you receive the maximum amount of compensation. They can also help you understand the terms of your policy and make sure that all of the paperwork is filled out correctly.

Q: Where can I find a public adjuster?

LMR Public Adjusters is South Florida’s premier public adjuster, advocating for property owners to maximize their insurance claims with personalized dedicated teams. Contact us today to learn more about how we can help you maximize your insurance claim.

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