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.

Why Your Flood Insurance Claim Might Get Denied - LMR Public Insurance Adjusters

Filing a flood insurance claim can be a stressful process, especially when you’re relying on it to recover from significant property damage. Unfortunately, many homeowners and business owners face flood insurance claim denial due to various reasons. Understanding why claims get denied can help you avoid common pitfalls and ensure you receive the compensation you deserve.

Common Reasons for Flood Insurance Claim Denial

Insurance companies often deny flood claims for several reasons. Here are some of the most common ones:

Insufficient Documentation: If you fail to provide adequate proof of damage, your claim may be rejected. Always take detailed photos and keep records of repair estimates.
Policy Exclusions: Some policies exclude specific types of flood damage. Reviewing your policy carefully can help you understand what is covered.
Late Filing: Insurance companies have strict deadlines for filing claims. Missing these deadlines can result in automatic denial.
Pre-Existing Damage: If the insurer determines that the damage existed before the flood, they may deny your claim.
Discrepancies in Your Claim: Any inconsistencies between your claim and the insurer’s assessment can lead to denial.

How to Avoid a Denied Flood Insurance Claim

To improve your chances of a successful claim, follow these steps:

Document Everything: Take photos and videos of the damage immediately after the flood.
File Promptly: Submit your claim as soon as possible to avoid missing deadlines.
Work with a Public Adjuster: A professional adjuster can help you navigate the claims process and advocate on your behalf.
Review Your Policy: Understanding your coverage can prevent surprises when filing a claim.

What to Do If Your Flood Insurance Claim Is Denied

If your claim is denied, don’t lose hope. You have options:

Request a Detailed Explanation: Ask your insurer for a written explanation of the denial.
Gather Additional Evidence: Provide more documentation to support your claim.
Consult a Public Adjuster: At LMR Public Adjusters, we specialize in helping property owners fight unfair claim denials.
File an Appeal: If necessary, you can formally appeal the decision with the insurance company.

Get the Compensation You Deserve

Dealing with a flood insurance claim denial can be frustrating, but you don’t have to go through it alone. LMR Public Adjusters has a dedicated team of experts ready to help you navigate the claims process and maximize your settlement. Whether you’re dealing with water damage, mold damage, or other property losses, we’re here to advocate for you.

Don’t let an insurance denial stand in your way. Contact us today for a free claim assessment and let us fight for 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

Why Your Flood Insurance Claim Might Get Denied

Common Reasons for Flood Insurance Claim Denial

How to Avoid a Denied Flood Insurance Claim

What to Do If Your Flood Insurance Claim Is Denied

Get the Compensation You Deserve

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