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Public Adjusters Fort Myers

What’s the Difference Between an Independent Adjuster and a Public Adjuster Near Fort Myers?

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If you’ve made an insurance claim and nothing seems to be happening, or you need to make a claim but don’t know where to start, you need a public adjuster near Fort Myers. Your public adjuster will help handle everything from start to finish. This is not to be confused with an independent adjuster, as they are very different from each other. So, just what exactly is an independent adjuster, and what is a public adjuster?

What Exactly Does a Public Adjuster Near Fort Myers Do?

A public adjuster is hired by the policyholder and works solely for them. They handle everything, including negotiating how much you’ll get out of your claim. If you’ve recently made an insurance claim, they will walk you through the rest of the process. If you have a claim that needs to be made, they will help you get everything ready and they will help settle your claim.

Public adjusters are hired directly by the policyholder, not by the insurance company or a third party. They are there to help you 100% to make your claims process fair and quick. They will help you document, file, and prepare everything you need for the maximum benefit.  

Okay, So What Is an Independent Adjuster?

An independent adjuster helps settle the claim for the insurance company. They are not hired directly by the insurer, as they work for a third party. This means that your insurance company has hired someone to do the work on their behalf. Basically, they do the same thing as a public adjuster, but for the opposite party. Independent adjusters cannot be hired by the insured party. 

I Have a Claim. Do I Need a Public Adjuster?

A public adjuster near Fort Myers can help you get the results you need from your claim. They will work to get the most out of the insurance company as quickly as possible. They will review your policy and see what needs to be done. Contact us today at 954-709-3982 for a consultation with one of our public adjusters and get on track to getting what you deserve out of your claim.

Homeowners Insurance Claim Tampa

4 Tips for Avoiding Common Summertime Homeowners Insurance Claims in Tampa

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Florida enjoys beautiful weather year-round, so it’s key to watch out for these common issues all year long. Summertime though draws us to enjoy the outdoors even more, so be especially vigilant this time of year. Here are some tips to stay safe this summer and avoid common summertime homeowners insurance claims in Tampa.

1. Be Safe With Outdoor Kitchens and Grills to Help Avoid Homeowners Insurance Claims in Tampa

When choosing an outdoor cooking spot, be sure to keep flames away from flammables like outdoor curtains, furniture, and more. Equip your cooking space with a working fire extinguisher. And if you’re using charcoal, be sure to extinguish it when you’re finished cooking. Just like indoors, never leave your cooking food unattended. Be aware of kids and pets, and make sure everyone stays a safe distance away while you’re cooking and until the grill or outdoor oven cools down.

2. Enjoy Your Firepit Safely If You Want to Brave a Fire in the Florida Heat

Gathering around an outdoor fire brings families and friends together. Again, be sure you’re enjoying the fire safely and watching children and pets. Never leave a fire unattended, and extinguish it completely when you are done. Keep a fire extinguisher on hand. Remember, sugar burns hot, so watch kids closely while making S’mores. 

3. Be Safe on the Boat

With many enjoying the water, it’s important to ensure your boat is safe and be aware of all the other boaters around you, too. Boating accidents happen, and drowning is the most common cause of death because many do not wear life jackets. Stay safe on your boat and avoid boating insurance claims in Tampa.

  • Make sure everyone wears a lifejacket.
  • Learn about boating safety.
  • Ensure your boat is in proper working order.

4. Learn About Pool Safety

Pools require extra vigilance. Home drownings are common. It’s imperative to lock your gate around your pool at all times to keep people safe, especially children who may seek the pool or accidentally fall in. Keep safety floatation devices easily accessible, and be sure everyone you invite to enjoy your pool knows how to swim.

Need Help With Homeowners Insurance Claims in Tampa?

Accidents happen, even with our best intentions and precautions. At Darryl Davis and Associates, we understand the stress of dealing with insurance claims and work hard to help you during this time. Hiring a residential public adjuster gives you a professional on your side to handle all aspects of your claim. For a free consultation, call us today at 954-709-3982.

Commercial Building Insurance Claim Palm Beach

Commercial Building Insurance Claims in West Palm Beach – Are You Covered?

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If you own a commercial building, making sure the property stays in business is always a priority. Damages that keep business from running as usual are expensive and detrimental. In the event of commercial building insurance claims in West Palm Beach, it’s important to have the right coverage. Here are some things to consider about commercial building insurance.

Make Sure Costs of Working Are Covered

In the event of loss of use, does your insurance plan allow your business to continue running? If the business can’t run due to building damage and you need to set up in another location, make sure your policy covers the costs necessary.

Insure the Commercial Building AND Exterior Assets

Of course you want your policy to cover the physical building, but also consider fences, outbuildings, parking, signage, and more. Be sure your policy covers your entire property – building and all exterior assets – so that in the event of a commercial building insurance claim, you’ve got the coverage you need to get the property up and running again.

Adequate Coverage of the Contents Is Essential

Talk to your insurance provider to understand the coverage of the contents of the commercial building. Any claims should cover the entire contents including furnishing, build outs, technology, products, and potentially even assets not located on the physical property. 

Don’t Forget to Add Flood Coverage, So Commercial Building Insurance Claims Are Covered in the Event of Water Damage

For flooding due to storms, high waters or busted pipes, be sure your policy has the proper flood coverage. Not all policies cover flooding specifically, so before you need to file a commercial building insurance claim in West Palm Beach, make sure you have adequate insurance to cover water damages.

Hire a Public Adjuster

Navigating the claims process is complicated, especially when you’re trying to keep your business going after a loss. Hiring a public adjuster means having a pro on your side to handle all aspects of your commercial building claim. A public adjuster gets your claim paid faster and typically means you’ll get more resources to get the business back up and running.

Need Help with Commercial Building Insurance Claims in West Palm Beach?

Call the professional public adjusters at Darryl Davis and Associates. If you need assistance with commercial building insurance claims in West Palm Beach, call us for a free consultation today at 954-709-3982.

Public Adjusters Orlando FL

4 Signs You Should Hire a Public Adjuster in Orlando

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After a catastrophe, stress and overwhelm make it hard to get life back on track. If you’ve filed an insurance claim, it is difficult to navigate this unfamiliar process and deal with all that is on your plate. You have the right to hire a public adjuster to work on your behalf to make the claims process go more smoothly and give you your best outcome. Not sure if you need a public adjuster in Orlando? Here’s how to find out.

Hire a Public Adjuster in Orlando if Your Claim Is Large or Complicated

If you’re overwhelmed and unsure of how to proceed with the paperwork to document your claim, hiring a public adjuster (PA) gives you a professional on your side. They know the ins and outs of how to successfully file and prove your type of claim. 

You Find Your Policy Confusing or Don’t Fully Understand Your Coverage

It can be hard to understand the technical jargon in your insurance policy. Perhaps you’re unclear what exactly is covered. Your PA is an industry professional that understands the details of your policy and how to navigate the claims process, so you’ll get all the compensation you’re entitled to.

You Feel Your Insurance Company Isn’t Handling Your Claim To The Best of Their Ability

Is it hard to reach your insurance company to get answers or are you passed off to multiple people? If you’re getting the proverbial runaround, a PA helps. They know how to get through to talk to the right people and get claims settled quickly and more adequately.

You Don’t Have Time to Dedicate to Your Claim

After large losses of homes or businesses, daily living alone may take up all of your time. Hire a public adjuster to handle aspects of your claim, so you don’t miss any of the important details, documents, or deadlines. Your PA keeps you up to date but takes the process off your plate, so you have time for getting back to business and dealing with all life’s responsibilities.

Do You Need a Public Adjuster in Orlando?

Darryl Davis and Associates have years of professional industry experience and know how to get your claim handled effectively. Call us today to find out more at 954-709-3982.

Home Insurance Claim West Palm Beach

Is It Bad to File Homeowners Insurance Claims in West Palm Beach?

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Because homeowners insurance claims stay on your comprehensive loss underwriting exchange report (CLUE) for up to seven years, it’s important to know when to file a claim. This CLUE report helps insurance companies determine your risk and can lead to increased premiums. Here’s what you need to know about whether or not to file homeowners insurance claims in West Palm Beach.

File Homeowners Insurance Claims in West Palm Beach for Bigger Losses

For big losses, especially damages that affect the livability of your home, consider filing a claim. If the cost to repair your home is expensive and exceeds the deductible, chances are you should file a claim to compensate you for the loss. Multiple filings for small losses is a red flag to insurance companies, so if the loss is small and can be paid for without a claim, consider doing so.

File for a Total Loss

If your home is uninhabitable following an event, it’s time to file a homeowners insurance claim. Remember, keep receipts and records for living expenses incurred while you are unable to live in your home. Your insurance compensates you for loss of use expenses.

Consider The Amount of Time Since Your Last Claim

The CLUE report helps companies determine your premiums or whether to offer you coverage at all. Avoid filing a claim if you’ve filed one in recent years, especially if the cost of the repair can be covered out of pocket.

Hire A Public Adjuster for Homeowners Insurance Claims in West Palm Beach

A public adjuster works for you to handle all aspects of the claim so the process goes smoothly and results in better, faster compensation. If you’re struggling with the ins and outs of filing a homeowners insurance claim, a public adjuster helps.

Do You Need Help with Your Claim?

The public adjusters at Darryl Davis and Associates are skilled professionals that know what it takes to get a claim filed right the first time, obtaining the best possible outcomes for our clients. If you’ve got questions about the process and want professional assistance, contact us today at 954-709-3982.

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