When should I contact a Public Adjuster?
Immediately after any damages occur. It is always best if you involve us from the beginning of the claims process.
Why Hire A Public Adjuster?
The Florida Legislature’s Office of Program Policy Analysis & Government Accountability (OPPAGA) compared the amount of money recovered on claims WITH public adjusters VS. claims WITHOUT a public adjuster. This is what they found:
Policyholders who hired public adjusters for non-catastrophe claims received 574% more money. Policyholders who hired public adjusters for Hurricane claims received 747% more money!
What if I already made my claim and received money from my insurance company?
THAT’S OK! Most of our clients that have done just that we typically recover from 100-1000% MORE than they received initially so they can restore their property to its pre-loss condition without having to pay out of pocket. In many cases, as long as the damage took place less than 5 years ago, we can help!
How much will it cost me?
Select Public Adjusters, LLC fee is based on a percentage of the amount we recover for you. This fee is entirely contingent on our ability to recover money for your claim. IF YOU DON’T GET PAID, WE DON’T GET PAID!!!
Is my claim big enough to hire a Public Adjuster?
No claim is too small. We will have one of our Professional Adjusters come out free of charge to discuss the amount of damage and how we can help.
Will my insurance company drop me if I use a Public Adjuster?
Absolutely not! Many insurance companies prefer to work with Public Adjusters as the process tends to be more efficient. Public Adjusting is also regulated by the state and thus such discrimination would be considered a serious violation on behalf of the insurance company.
If I file a storm damage claim, will my premiums go up?
Most states prohibit insurance companies canceling your coverage or singling you out for a rate increase due to an Act of God damage claim.
Will my insurance cover the cost of tree removal after a severe storm?
Most policies cover the cost of tree removal after a storm, Some insurance companies require a separate tree removal policy.
How do Public Adjusters differ from company Insurance Adjusters?
Company Insurance adjusters (usually called staff adjusters) work exclusively for the insurance companies, whereas a Public Adjuster works only for the policyholder. Staff Insurance adjusters are trained by insurance companies to support their interests, which includes attempting to “low ball” claims by writing undervalued estimates and using invoices of contractors with the lowest bid. A Public Adjuster fights for your interests which allows you to choose the right contractor, not just the cheapest.
What if I attempted to make a claim and it was denied?
There is a good chance that it was not represented or filed properly during the initial claims process and that a professional Public Adjuster from Select Public Adjusters, LLC would be able to re-open your claim.
Are all homeowners insurance policies the same?
There are many different types of insurance policies. Levels of coverage, exclusions and limits of liability vary greatly. Some policies provide basic coverage, while others offer broad coverage and high levels of protection.
What does a homeowners insurance policy cover?
Homeowners insurance covers the repair or replacement of your home and its contents up to defined limits. Your policy may also include a liability policy, which protects you in the event someone is injured on your property due to your negligence.
Who pays for living expenses when my home is being repaired after a storm?
Your insurance company will pay for loss of use, in the case that your home is uninhabitable after it has been damaged by a storm, fire, smoke, mold etc. up to applicable limits.
What if I have a mortgage on the property?
Your insurance checks will be made out to you, the public adjuster firm, and your mortgage bank. Your mortgage holder is likely listed as a "loss payee" on your home insurance policy, so payments for rebuilding are issued to both you and your lien holder, so don't expect your mortgage holder to sign the check over to you. Policyholders have to endorse and send the check to the mortgage bank and it will sit in an escrow account until repairs are made. Mortgage banks typically release the funds back to you in three installments over the course of your reconstruction. Mortgage companies want to be sure your property is repaired before releasing payment to you. As a result, you may have to advance your own money for constructions costs until the mortgage company verifies the repairs. Every mortgage bank has their own rules and regulations in regards to disbursing insurance funds.
What is not covered by homeowners insurance?
Earthquakes, floods, and other named exclusions are usually require separate coverage. Normal wear and tear and poor maintenance is not covered by insurance.