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 in Miami: How Public Adjusters Can Help

Outline

Introduction

Understanding Wind Damage

The Role of Public Adjusters

How LMR Public Adjusters Can Help

The Process of Claiming Wind Damage

Benefits of Hiring LMR Public Adjusters

Conclusion

FAQs

Blog Post

Living in Miami, we are no strangers to the destructive forces of nature, particularly wind damage. But did you know that you don’t have to face these challenges alone? Public adjusters, like the dedicated team at LMR Public Adjusters, are here to help you navigate the complex world of insurance claims. But how exactly can they assist you? Let’s find out.

Understanding Wind Damage

Wind damage can range from minor issues like broken windows to major problems such as structural damage to your home or commercial property. It’s not just about the visible damage either; wind can also cause hidden issues like water intrusion, leading to mold damage over time. Understanding the full extent of the damage is crucial in filing a successful insurance claim.

The Role of Public Adjusters

Public adjusters are licensed professionals who advocate for property owners in insurance claims. Unlike insurance company adjusters who work for the insurer, public adjusters work for you. They assess the damage, prepare an estimate, read through your insurance policy, and negotiate with the insurance company on your behalf. Their goal? To maximize your insurance claim and ensure you get the compensation you deserve.

How LMR Public Adjusters Can Help

As South Florida’s premier public adjusters, LMR Public Adjusters bring a wealth of experience and expertise to the table. They understand the unique challenges that come with wind damage in Miami and know how to navigate the complexities of insurance claims. Whether it’s a residential or commercial property, their personalized and dedicated team is committed to advocating for your rights as a property owner.

The Process of Claiming Wind Damage

Filing a wind damage claim can be a daunting process. It involves assessing the damage, documenting it with photos and videos, reviewing your insurance policy, and submitting the claim. But with LMR Public Adjusters, you don’t have to do it alone. They will guide you through each step, ensuring that nothing is overlooked and that your claim is filed correctly and promptly.

Benefits of Hiring LMR Public Adjusters

When you hire LMR Public Adjusters, you’re not just getting a public adjuster; you’re getting a dedicated team that’s committed to your success. They will handle all the legwork, from assessing the damage to negotiating with the insurance company. And the best part? They don’t get paid unless you do. So you can rest assured knowing that they’re motivated to get you the maximum compensation possible.

Wind damage in Miami can be devastating, but with the right help, it doesn’t have to be overwhelming. LMR Public Adjusters are here to guide you through the process, ensuring that you get the compensation you deserve. So if you’re dealing with wind damage, don’t hesitate to reach out to them. They’re ready and eager to help.

FAQs

1. What is a public adjuster?

2. How can LMR Public Adjusters help with wind damage?

3. What is the process of claiming wind damage?

4. What are the benefits of hiring LMR Public Adjusters?

5. How can I contact LMR Public Adjusters?

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