South Florida Insurance Claim Advice
INSURANCE CLAIMS ADVICE
By
Call Patricia D’Orsa at (954) 663-6450
Public Insurance Adjuster 3-20 Florida License P-174940
info@insuranceclaimsadvice.us
So, your home or business has been damaged or destroyed by water, fire, sink hole, storm, flood or hurricane. You may be at your wits end attempting to deal with your insurance company. You may be worn out both mentally and physically. The loss of the use of your home or business can be difficult for anyone. Frustration dealing with insurance companies leads many victims turn to Public Adjusters to help in the insurance claim process.
Who and what are Public Adjusters, when should you use them and more significantly, can they actually help you?
Public Adjusters assist and fight for the insured in the process of settling their insurance claims. Public Adjusters do not represent the insurance company or those restoring the loss. Public Adjusters have received erroneous reputations as “Fire Engine Chasers.” However, Public Adjusters are, by law, advocates for the insured (the policy holders). The Public Adjusters are closely monitored and regulated by the laws of the state and must be licensed.
Public Adjusters have also had the reputation of not being up to date with the latest rules of insurance coverage. On the contrary, the Public Adjuster must attend continuing education courses to maintain proficiency in their field. A Public Adjuster has the same, if not more, training as an insurance adjuster who, in contrast, works for the insurance company.
Insurance companies when presented with a claim (by the policy holder) are adversarial in nature. The insurance company wants to pay the least amount of money possible (for the claim). The individual insurance adjuster (not the Public Adjuster) works for the insurance company; and their salary and promotions depend on how well they can manipulate the claim or coverage to pay as little as possible. The insurance adjuster intimidates the claimant, who is vulnerable, into acquiescing and accepting patch and repair coverage instead of full replacement coverage. The claimant or insured has been paying premiums to the insurance company for many years, fulfilling their obligation with diligence and honesty; as well as the expectation of receiving a fair and just reimbursement for their claim. Insurance is a gamble and the insurance company does not like to lose at their own game.
How does one choose a Public Adjuster? The actual licensed Public Adjuster will come to your home or business to properly scope any damage. When he or she visits, ask the Public Adjuster to display their license; inquire about their experience with insurance claims and construction. The Public Adjuster should be well versed with the law, as well as construction. A respectable Public Adjuster will not tell you to use his cousin or good friend to complete the repairs; they will help you to mitigate any damage. The Public Adjuster will assist and represent you with your insurance claim. He or she will represent you at all stages of your claim.
Many policyholders delay in hiring Public Adjusters until they become aggravated attempting to toil with the insurance companies (who are expert in wearing down the insured). In fact, many people have never even heard of Public Adjusters. Although, Public Adjusters receive compensation in the form of a percentage of your claim; hiring a Public Adjuster is better than having no adjuster at all. Public Adjusters have the expertise to negotiate with the insurance company to obtain the homeowner or business owner significantly more compensation then the policy holder would receive over and above on their own.
Adjusters fight for the policyholders’ rights. Patricia D’Orsa adheres to a strict Code of Ethics. Our goal is to achieve a final settlement that is accurate and fair.
Our Adjusters will review your homeowner’s or business policy at no cost to ensure you understand your coverage and if necessary recommend adjustments before an incident occurs.
Call Patricia D’Orsa at (954) 663-6450
“THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT.”