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.

Storm Damage Claims: Tips for Miami Homeowners - LMR Public Insurance Adjusters

Living in Miami comes with its fair share of perks—beautiful beaches, vibrant culture, and warm weather year-round. However, it also means facing the inevitable storm season. When a storm hits, the aftermath can be overwhelming, especially when it comes to filing storm damage claims. Here are some essential tips for Miami homeowners to navigate this challenging process effectively.

Document the Damage Immediately

As soon as it is safe, document all visible damage to your property. Take clear, detailed photos and videos of the affected areas. This evidence will be crucial when filing your storm damage claim and can significantly impact the compensation you receive.

Review Your Insurance Policy

Understanding your insurance policy is vital. Review the terms and conditions to know what is covered and what is not. Pay special attention to deductibles and coverage limits. If you find the policy language confusing, consider consulting with a professional public adjuster.

Contact Your Insurance Company

Notify your insurance company about the damage as soon as possible. Provide them with the documentation you have gathered. Be honest and thorough in your descriptions to avoid any potential disputes later on.

Consider Hiring a Public Adjuster

Filing a storm damage claim can be a complex and time-consuming process. Hiring a public adjuster, like LMR Public Adjusters, can make a significant difference. Our team of experts will handle every aspect of your claim, from inspections to negotiations, ensuring you receive the maximum compensation you deserve.

Keep Track of All Communications

Maintain a record of all communications with your insurance company, including emails, letters, and phone calls. This documentation can be invaluable if any disputes arise during the claims process.

Understand the Importance of Timeliness

Time is of the essence when it comes to filing storm damage claims. Most insurance policies have specific deadlines for reporting damage and submitting claims. Missing these deadlines can result in denied claims, so act promptly.

Be Prepared for Inspections

Your insurance company will likely send an adjuster to inspect the damage. Be present during the inspection to ensure that all damage is thoroughly documented. If you have hired a public adjuster, they will also be present to advocate on your behalf.

Stay Informed About Local Resources

Miami homeowners should stay informed about local resources and support systems available during storm season. Organizations like LMR Public Adjusters offer valuable assistance and guidance to help you through the claims process.

Conclusion

Dealing with storm damage can be stressful, but by following these tips, Miami homeowners can navigate the claims process more effectively. Document the damage, understand your policy, and consider hiring a public adjuster to maximize your compensation. At LMR Public Adjusters, we are dedicated to helping you through every step of the process. Contact us today for a free claim assessment and let us help you get the compensation you deserve.

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

Storm Damage Claims: Tips for Miami Homeowners