Living in or owning a business in Florida, brings the stark reality that we wil face sever weather, and even hurricanes. When they occur, they can tyruly be devestating. While the majority of people band together to help in recovery, some people get left behind, or don’t know where to turn to get the help they need.
When it comes to Roofing, we have you covered. We are Florida owned, and have been helping Florida recover form sever weather and hurricanes for over 18 years. So when it comes to roofing and other construction needs, we are the Best Choice to work with you and take the stress off of your construction worries, while you focus on recovery.
With that said, there are two things we like to point out.
- Don’t fall for pressure, scams, or storm chaser fear mongering.
- Consider hiring a public adjuster when going through your insruance claim process.
Why? Check out some of the info below on public adjusters vs. insurance adjusters, and who is working for who.
Insurance companies typically try to find ways to either deny or underpay claims. This is especially true during catastrophic situations (like Hurricane Irma, Michael, and now Ian ) when insurance carriers have to process large amounts of claims.
A public adjuster is an agent who is working for the owner of the house or apartment. They will protect the owners rights and make sure the insurance company pays out a fair settlement. Public adjusters are a third-party resource who can be named as a witness if more aggressive action is required to obtain a fair settlement.
If you are filing an insurance claim, you should seriously consider a public adjuster. You need to hire one who is licensed and qualified. Hiring a public adjuster can help to protect your rights and interests during a property claim. The adjuster will be in charge of handling your claim and negotiating a fair settlement. There are many advantages of hiring a public adjuster to help you with your Florida property insurance claim.
Claims Expertise: Insurance claims can be complex and misinterpreted. Having an insurance claims adjuster on your side is the best way to help protect your business. A public adjuster will also provide guidance on proper procedures for repairs and documenting expenses in the event your claim is denied or underpaid.
There’s a lot of details below, however, if you just want to get to the point, remember, a PUBLIC ADJUSTER works for YOU, and Insurance adjusters, while they might be friendly and provide great service, they work for the Insurance company, and that’s who’s best interest they have at heart.
Fees: Public adjusters don’t get paid until you get paid, and generally get you a lot better settlement. (often hundreds of percent better )
Public adjuster fees are limited to 20 percent. When a state of emergency is declared by the Governor for a natural disaster, as in the case with Hurricane Ian, the public adjuster fees are limited to 10 percent of the claim payment for one year after the declaration for initial claims for damages caused by that disaster.
Insurance claims can be a headache for a homeowner or business owner. The adjuster will take care of the paperwork and you can focus on getting life back to normal.