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 Prepare for a Mold Damage Inspection - LMR Public Insurance Adjusters

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Mold damage can be a serious issue for property owners, leading to health risks and costly repairs. When you suspect mold in your home or business, a mold damage inspection is a crucial step in addressing the problem. Preparing for this inspection can significantly impact the outcome of your insurance claim and the remediation process. In this guide, we will explore how to effectively prepare for a mold damage inspection, ensuring you are well-equipped to handle the situation.

Understanding Mold Damage and Its Implications

Mold is a type of fungus that thrives in damp, humid environments. It can grow on various surfaces, including wood, drywall, and carpets. Understanding the implications of mold damage is essential for property owners. Not only can mold cause structural damage to your property, but it can also pose serious health risks, particularly for individuals with respiratory issues or weakened immune systems.

Before the inspection, it’s important to familiarize yourself with the types of mold and the potential damage they can cause. Common types of mold include:

Aspergillus: Often found in homes, it can cause allergic reactions and respiratory issues.
Stachybotrys (Black Mold): Known for its toxicity, it can lead to severe health problems.
Penicillium: Typically found in water-damaged buildings, it can cause allergic reactions.

Understanding these types of mold can help you communicate effectively with the inspector and ensure that all potential issues are addressed. For more information on mold damage, you can visit our mold damage page.

Gathering Relevant Documentation

Before the mold damage inspection, it’s essential to gather all relevant documentation that may assist the inspector. This includes:

Insurance Policy: Review your insurance policy to understand your coverage for mold damage. Knowing your rights can help you advocate for yourself during the inspection.
Previous Inspection Reports: If you have had prior inspections or remediation work done, provide these reports to the inspector.
Photographic Evidence: Take photos of any visible mold, water damage, or areas of concern. This documentation can be valuable for your insurance claim.

Having this information readily available will not only facilitate the inspection process but also help you maximize your insurance claim. If you have questions about your insurance coverage, consider reaching out to LMR Public Adjusters, South Florida’s premier public adjusters, who can assist you in navigating your policy.

Preparing Your Property for the Inspection

Preparing your property for a mold damage inspection involves several key steps. First, ensure that the inspector has access to all areas of your property, including attics, basements, and crawl spaces. Clear any clutter that may obstruct their view of potential mold growth.

Next, consider the following:

Control Humidity Levels: If possible, reduce humidity levels in your home before the inspection. Use dehumidifiers and ensure proper ventilation to minimize mold growth.
Address Water Leaks: If you are aware of any leaks or water damage, make a note of them for the inspector. This information is crucial for identifying the source of mold growth.
Inform the Inspector: Be prepared to discuss any previous mold issues, water damage, or repairs that have been made. Transparency will help the inspector assess the situation accurately.

By taking these steps, you can create a conducive environment for the inspection, allowing for a thorough assessment of the mold damage. For more tips on property claims related to mold damage, visit our property claims page.

What to Expect During the Inspection

Understanding what to expect during the mold damage inspection can help alleviate any anxiety you may have. The inspector will typically follow a systematic approach, which includes:

Visual Inspection: The inspector will conduct a thorough visual examination of your property, looking for signs of mold growth and water damage.
Moisture Testing: They may use specialized equipment to measure moisture levels in various materials, helping to identify hidden mold.
Air Quality Testing: In some cases, air samples may be taken to assess the presence of mold spores in the air.

After the inspection, the inspector will provide you with a report detailing their findings and recommendations for remediation. This report is crucial for your insurance claim, so be sure to keep it safe. If you need assistance interpreting the report or filing a claim, LMR Public Adjusters is here to help. Check out our FAQ page for more information.

Conclusion

Preparing for a mold damage inspection is a vital step in addressing mold issues in your property. By understanding the implications of mold damage, gathering relevant documentation, preparing your property, and knowing what to expect during the inspection, you can ensure a smoother process. Remember, having a dedicated team like LMR Public Adjusters on your side can make a significant difference in maximizing your insurance claims and ensuring your property is restored to its original condition. Don’t hesitate to reach out to us for expert assistance in navigating your mold damage situation.

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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

How to Prepare for a Mold Damage Inspection