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.

The Role of Public Adjusters in Fire Damage Claims in Miami

When disaster strikes, it’s a relief to know you have insurance to cover the damages. However, navigating the claims process can be a daunting task. This is where public adjusters come in, particularly when dealing with fire damage claims. In this article, we’ll delve into the role of Public Adjusters in Fire Damage Claims in Miami, with a special focus on the services provided by LMR Public Adjusters, South Florida’s premier public adjusters.

What are Public Adjusters?

Public adjusters are licensed professionals who represent the interests of the policyholder in the preparation, filing, and settlement of insurance claims. They have a deep understanding of insurance policies and how to interpret them. They work to ensure that the policyholder receives the maximum amount of reimbursement not only for the damage to their property but also for their personal belongings.

The Role of Public Adjusters in Fire Damage Claims

Fire damage can be devastating, leaving property owners overwhelmed. Public adjusters step in to handle the complex process of filing a fire damage claim. They assess the damage, prepare an estimate, read through the fine print of the insurance policy, and negotiate with the insurance company on behalf of the policyholder.

Why Hire Public Adjusters for Fire Damage Claims?

There are several reasons why hiring a public adjuster can be beneficial when dealing with fire damage claims.

Expertise in Policy Interpretation

Insurance policies can be complex and difficult to understand. Public adjusters have the expertise to interpret the policy and determine the maximum claim amount.

Accurate Damage Assessment

Public adjusters conduct a thorough assessment of the damage, ensuring that nothing is overlooked. They take into account not only the structural damage but also damage to personal belongings.

Negotiation Skills

Public adjusters negotiate with the insurance company on behalf of the policyholder. They work to ensure that the policyholder receives the maximum payout.

LMR Public Adjusters: Advocating for Property Owners

LMR Public Adjusters are South Florida’s premier public adjusters. They have a dedicated team that provides personalized service to each client.

Services Offered by LMR Public Adjusters

LMR Public Adjusters offer a range of services, including fire damage claims. They assess the damage, prepare the claim, and negotiate with the insurance company to ensure the policyholder receives the maximum payout.

Why Choose LMR Public Adjusters?

LMR Public Adjusters stand out for their commitment to their clients. They offer personalized service and have a proven track record of maximizing insurance claims.

Conclusion

Dealing with fire damage can be overwhelming. However, with the help of public adjusters, the process of filing a claim can be made less daunting. In Miami, LMR Public Adjusters are the go-to professionals for handling fire damage claims.

FAQs

What is the role of public adjusters in fire damage claims?

Public adjusters represent the interests of the policyholder. They assess the damage, prepare the claim, and negotiate with the insurance company to ensure the policyholder receives the maximum payout.

Why should I hire a public adjuster for a fire damage claim?

Public adjusters have the expertise to interpret insurance policies, conduct a thorough damage assessment, and negotiate with the insurance company on your behalf.

What services do LMR Public Adjusters offer?

Why should I choose LMR Public Adjusters?

LMR Public Adjusters stand out for their commitment to their clients. They offer personalized service and have a proven track record of maximizing insurance claims.

How can I contact LMR Public Adjusters?

You can contact LMR Public Adjusters through their website.

Where are LMR Public Adjusters located?

LMR Public Adjusters are located in South Florida and serve clients in Miami and the surrounding areas.

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