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.

Wind Damage Claims: Expert Advice for Miami Residents

Living in Miami, residents are no strangers to the powerful forces of nature, particularly the devastating impact of wind damage. Hurricanes and tropical storms are a common occurrence, and the aftermath can leave property owners grappling with significant damage. Navigating the complexities of wind damage claims can be overwhelming, but with the right guidance, you can maximize your insurance payout and restore your property efficiently. In this comprehensive guide, we will provide expert advice on wind damage claims specifically tailored for Miami residents.

Understanding Wind Damage and Its Impact

Wind damage can manifest in various forms, from minor roof leaks to extensive structural damage. The high winds associated with hurricanes and tropical storms can cause shingles to lift, windows to shatter, and trees to fall, leading to significant property damage. Miami’s unique geographical location makes it particularly susceptible to these weather events, making it crucial for residents to be well-prepared and informed about the potential risks.

When assessing wind damage, it’s essential to conduct a thorough inspection of your property. Look for visible signs such as missing or damaged shingles, broken windows, and fallen trees. Additionally, pay attention to less obvious indicators like water stains on ceilings and walls, which may suggest roof leaks. Documenting the damage with photographs and detailed notes will be invaluable when filing your insurance claim.

Steps to Take Immediately After Wind Damage

In the aftermath of a windstorm, taking prompt action is crucial to mitigate further damage and ensure a smooth claims process. Here are the key steps to follow:

Ensure Safety: Before inspecting your property, ensure that it is safe to do so. Look out for downed power lines, unstable structures, and other hazards.
Document the Damage: Take clear photographs and videos of all visible damage. This documentation will serve as crucial evidence when filing your claim.
Temporary Repairs: Make temporary repairs to prevent further damage. For example, cover broken windows with plywood or tarps to keep out rain and debris.
Contact Your Insurance Company: Notify your insurance company about the damage as soon as possible. Provide them with the documentation you have gathered.
Consult a Public Adjuster: Consider hiring a public adjuster to assist with your claim. LMR Public Adjusters can help you navigate the claims process and ensure you receive the maximum compensation.

Filing a Wind Damage Claim

Filing a wind damage claim can be a complex and time-consuming process. To increase your chances of a successful claim, follow these steps:

Review Your Policy: Familiarize yourself with the terms and coverage of your insurance policy. Understand what is covered and any exclusions that may apply.
Submit Your Claim Promptly: File your claim as soon as possible to avoid delays. Provide all necessary documentation, including photographs, videos, and a detailed description of the damage.
Work with a Public Adjuster: A public adjuster can help you navigate the claims process and negotiate with your insurance company on your behalf. LMR Public Adjusters have extensive experience in handling wind damage claims and can ensure you receive fair compensation.
Keep Detailed Records: Maintain a record of all communications with your insurance company, including emails, phone calls, and letters. This documentation will be valuable if any disputes arise.
Be Prepared for an Inspection: Your insurance company may send an adjuster to inspect the damage. Be present during the inspection to answer any questions and provide additional information if needed.

Common Challenges in Wind Damage Claims

Wind damage claims can present several challenges that may complicate the process. Being aware of these challenges can help you better prepare and address them effectively:

Disputes Over Coverage: Insurance companies may dispute the extent of coverage for wind damage. Understanding your policy and working with a public adjuster can help resolve these disputes.
Underestimation of Damage: Insurance adjusters may underestimate the cost of repairs. Providing thorough documentation and obtaining independent estimates can help ensure you receive fair compensation.
Delays in Processing: The claims process can be lengthy, especially after a major storm when insurance companies are inundated with claims. Staying organized and following up regularly can help expedite the process.
Denial of Claims: In some cases, insurance companies may deny claims altogether. If this happens, consider seeking legal advice or consulting a public adjuster to explore your options.

Maximizing Your Wind Damage Claim

To maximize your wind damage claim and ensure you receive the compensation you deserve, consider the following tips:

Thorough Documentation: Provide comprehensive documentation of the damage, including photographs, videos, and detailed descriptions. The more evidence you have, the stronger your claim will be.
Independent Estimates: Obtain independent estimates from reputable contractors to support your claim. These estimates can help counter any lowball offers from your insurance company.
Professional Assistance: Consider hiring a public adjuster to represent your interests. LMR Public Adjusters have the expertise to navigate the claims process and negotiate with your insurance company on your behalf.
Stay Organized: Keep all documentation, correspondence, and receipts related to your claim in one place. Staying organized will help you stay on top of the process and address any issues that arise.
Be Persistent: The claims process can be challenging, but persistence pays off. Follow up regularly with your insurance company and advocate for your rights as a policyholder.

Conclusion

Wind damage can have a devastating impact on your property, but with the right knowledge and preparation, you can navigate the claims process effectively. By understanding the steps to take after wind damage, filing a comprehensive claim, and addressing common challenges, you can maximize your insurance payout and restore your property. For Miami residents, working with experienced professionals like LMR Public Adjusters can make all the difference in ensuring a successful claim. Don’t let wind damage leave you feeling overwhelmed—take action today and secure 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