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.

Understanding the Claims Process for Smoke Damage - LMR Public Insurance Adjusters

Experiencing smoke damage can be a devastating event for homeowners and businesses alike. The aftermath not only involves physical damage but also emotional stress as you navigate the complexities of insurance claims. At LMR Public Adjusters, South Florida’s premier public adjusters, we are dedicated to advocating for property owners to maximize their insurance claims with a personalized and dedicated team. In this blog, we will break down the Smoke Damage Claims Process to help you understand what to expect and how to effectively manage your claim.

What is Smoke Damage?

Smoke damage occurs when a fire produces smoke that infiltrates your property, leaving behind soot, odors, and potential structural damage. This type of damage can affect walls, ceilings, furniture, and personal belongings, often requiring extensive cleaning and restoration efforts.

The Smoke Damage Claims Process

Understanding the Smoke Damage Claims Process is crucial for ensuring you receive the compensation you deserve. Here are the key steps involved:

Document the Damage: Start by taking detailed photographs of all affected areas and items. This documentation will be vital for your claim.
Contact Your Insurance Company: Notify your insurer about the smoke damage as soon as possible. They will provide you with the necessary forms and information.
File a Claim: Complete the claim forms accurately, providing all required details about the damage and losses incurred.
Meet with an Adjuster: Your insurance company will assign an adjuster to assess the damage. It’s beneficial to have a public adjuster from LMR Public Adjusters present during this meeting to ensure a fair evaluation.
Negotiate the Settlement: Once the assessment is complete, your insurer will propose a settlement. If you feel the offer is inadequate, our team can help negotiate for a better outcome.

Why Choose LMR Public Adjusters?

At LMR Public Adjusters, we specialize in handling various types of claims, including smoke damage. Our unique approach includes:

No Recovery, No Fee: We operate on a contingency basis, ensuring our interests align with yours.
Free Claim Assessment: We offer a complimentary analysis of your claim to help you understand your potential settlement.
Expertise and Experience: Our team has extensive knowledge in navigating the claims process, ensuring you receive the maximum compensation.
Excellent Customer Service: We prioritize your satisfaction and are available 24/7 to address any concerns.

Conclusion

Navigating the Smoke Damage Claims Process can be overwhelming, but you don’t have to do it alone. With LMR Public Adjusters by your side, you can rest assured that you have a dedicated team advocating for your best interests. Our expertise in handling smoke damage claims ensures that you receive the compensation you deserve.

If you are facing smoke damage or any other type of property damage, reach out to us today for a free claim assessment. Let us help you turn a challenging situation into a successful recovery.

For more information about our services, visit our about us page or contact us directly at (954) 603-7174. Your path to recovery starts here!

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

Understanding the Claims Process for Smoke Damage

What is Smoke Damage?

The Smoke Damage Claims Process

Why Choose LMR Public Adjusters?

Conclusion

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