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 Tampa: Filing an Effective Claim - LMR Public Insurance Adjusters

Wind damage is a common issue for property owners in Tampa, Florida. With the region’s susceptibility to hurricanes and severe storms, understanding how to file an effective insurance claim is crucial. This comprehensive guide will walk you through the process, ensuring you maximize your claim and get the compensation you deserve. LMR Public Adjusters, South Florida’s premier public adjusters, are here to advocate for property owners and help them navigate the complexities of insurance claims.

Understanding Wind Damage

Wind damage can manifest in various forms, from minor roof leaks to significant structural damage. In Tampa, the most common causes of wind damage are hurricanes, tropical storms, and tornadoes. These natural disasters can lead to broken windows, damaged roofs, fallen trees, and more. Recognizing the signs of wind damage early is essential for filing a successful claim.

Common signs of wind damage include:

Missing or damaged shingles
Broken windows or doors
Fallen trees or branches
Water leaks or stains on ceilings and walls
Debris scattered around the property

It’s important to document any damage as soon as possible. Take clear photos and videos of the affected areas, and make a detailed list of all damages. This documentation will be crucial when filing your insurance claim.

Steps to Filing an Effective Wind Damage Claim

Filing an insurance claim for wind damage can be a daunting process. However, by following these steps, you can ensure a smoother experience and increase your chances of a successful claim.

1. Contact Your Insurance Company

As soon as you notice wind damage, contact your insurance company to report the incident. Provide them with all necessary information, including the date and time of the event, a description of the damage, and any documentation you have gathered. Your insurance company will assign an adjuster to assess the damage and determine the extent of your coverage.

2. Document the Damage

As mentioned earlier, documenting the damage is crucial. Take clear photos and videos of all affected areas, and make a detailed list of the damages. This documentation will serve as evidence when filing your claim and will help the adjuster accurately assess the damage.

3. Mitigate Further Damage

It’s important to take immediate action to prevent further damage to your property. This may include covering broken windows, placing tarps over damaged roofs, and removing debris. Keep all receipts for any temporary repairs, as these expenses may be reimbursed by your insurance company.

4. Get Professional Help

Consider hiring a public adjuster to assist with your claim. Public adjusters, like LMR Public Adjusters, are experts in navigating the complexities of insurance claims and can help ensure you receive the maximum compensation for your damages. They will work on your behalf, negotiating with the insurance company and handling all necessary paperwork.

5. Review Your Policy

Before filing your claim, review your insurance policy to understand your coverage and any exclusions. This will help you know what to expect and ensure you provide all necessary information to your insurance company. If you have any questions or need clarification, don’t hesitate to contact your insurance agent.

Common Challenges in Wind Damage Claims

Filing a wind damage claim can come with its own set of challenges. Being aware of these potential obstacles can help you better prepare and navigate the process.

1. Underestimating the Damage

One of the most common challenges is underestimating the extent of the damage. Wind damage can sometimes be hidden, such as structural issues or water damage that may not be immediately visible. It’s important to thoroughly inspect your property and document all damages, even those that may seem minor.

2. Delayed Claims

Another challenge is the delay in processing claims. After a major storm, insurance companies may be inundated with claims, leading to longer processing times. To avoid delays, file your claim as soon as possible and provide all necessary documentation upfront.

3. Disputes with the Insurance Company

Disputes with the insurance company can also arise, particularly if there is a disagreement over the extent of the damage or the amount of compensation. In such cases, having a public adjuster on your side can be invaluable. They can negotiate with the insurance company on your behalf and ensure you receive a fair settlement.

Conclusion

Wind damage in Tampa is a serious concern for property owners. By understanding the steps to file an effective claim and being aware of common challenges, you can ensure a smoother process and maximize your compensation. Remember to document all damages, mitigate further damage, and consider hiring a public adjuster to assist with your claim. LMR Public Adjusters are here to advocate for you and help you navigate the complexities of insurance claims. Don’t let wind damage disrupt your life – take action today and get 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

Wind Damage in Tampa: Filing an Effective Claim