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What to Know About Commercial Building Insurance Claims in West Palm Beach

If you own commercial buildings, whether for retail space, office space, or any other purpose, chances are you pay a lot for insurance premiums. While insurance companies love receiving that monthly income from you and have no problem accepting it, they’re not as eager to hand out money for claims. Filing commercial building insurance claims in West Palm Beach can be a tricky process.

Not only can the claims process be hard, but getting the money you’re entitled to can be very difficult. You have to be willing to fight for every last dime that your policy covers. Hiring a public adjuster can help. Here’s what you should know about working with a public adjuster in South Florida.

A public adjuster can help you with your commercial building insurance claims in West Palm Beach.

Public adjusters are independent professionals that help settle insurance claims for both commercial and residential customers. They work with your insurance claim adjuster to settle your claim quickly and efficiently. They also help maximize your claim settlement, so you receive as much compensation as possible.

Public adjusters work for you, not the insurance company.

Unlike your claim representative from the insurance company who is looking out for the company’s best interest, public adjusters work directly for the insurance policy holder / claimant. Typically, they only get paid if you get paid. They often charge only a small percentage of your settlement. And the more you get compensated, the more they do as well. This means that they work diligently to get you the highest possible payment for your insurance claim.

A public adjuster helps with all types of commercial building insurance claims in West Palm Beach.

Whether a hurricane, flood, mold, fire, or other natural disaster damages your building, as long as your policy covers the damage, you can use a public adjuster for your claim.

Public adjusters understand the seriousness of the consequences that come from natural disasters. They want to help you get your building back up and running as soon as possible after a disaster. Adjusters can even make sure that your insurance coverage is more than adequate to cover any losses that may arise before an a disaster occurs.

Fire Damage Insurance Claims in West Palm Beach Made Easier

No matter how small, a house fire is something no homeowner ever wants to experience. Whether an outlet catches fire from improper wiring, or your home is a total loss due to a lighting strike, you’ll need to talk to your insurance company about fire damage insurance claims in West Palm Beach.

Actually, there are quite a few important steps to take after a house fire in addition to contacting your homeowners insurance company. Here is what you should do after a fire occurs in your home.

What to Do After a House Fire

  1. Call 911 or other emergency service, and get to safety quickly.
  2. Contact family members to let them know you’re okay.
  3. Contact your insurance agent.
  4. Ask when it’s safe to go back into your home.
  5. Clean up, organize, and create a record of damaged items.
  6. Protect everything in the home from any further damage if possible.
  7. Get a copy of the report from the fire department.
  8. If necessary, make other living arrangements until your home is safe to sleep in again.
  9. This may be the most essential step after contacting your insurance company – hire a public adjuster.

Preparing for Your Fire Damage Insurance Claims in West Palm Beach

As soon as it’s safe to do so, contact your insurance company, and let them know what has happened. You are required to report your loss as soon as is possible. You can contact them via phone, email, or other reasonable method to report the fire.

When you’re ready to, hire a public adjuster in West Palm Beach to help ensure that your insurance claim is properly submitted, that all repairs and replacement costs are included in your claim, and that the insurance company pays you what you are entitled to through your policy. A public adjuster is a homeowner’s advocate, helping to get your claims paid quickly and fairly.

To help your public adjuster ensure you receive maximum compensation for your fire damage insurance claims, they will ask you for a list of your damaged items. The more helpful info you have in advance, the better. It’s best to itemize your home before a fire, so you have the information readily available. Once you turn over info to your adjuster and file your claim, let your public adjuster handle the rest, and focus on rebuilding your home.

Flood Damage Insurance Claim in Tampa

3 Reasons to Hire a Public Adjuster for Major Plumbing Damage Insurance Claims in Fort Lauderdale

No one is ever properly prepared for the financial and emotional devastation of flooding or plumbing damage to their home. Even if you have the proper insurance coverage in place and have an itemized log of your belongings, you still have to navigate the tricky process of filing an insurance claim and making sure you receive the compensation you deserve. After you experience plumbing damage, you should call a public adjustor immediately to help you best position your major plumbing damage insurance claim in Fort Lauderdale for success.

1. When filing major plumbing damage insurance claims in Fort Lauderdale, a public adjustor is your advocate.

A public adjuster works with the insurance company’s claims adjustor for YOU, as your advocate. You hire them, so you receive the maximum allowable compensation. Experienced adjusters evaluate damage, determine rebuilding costs, expedite the claims process, and ensure that claims are paid. They go to bat for you, so your claim is processed and paid as quickly as possible. Adjusters also make sure that claims are paid properly, so that you don’t cash a check labeled “Full and Final Settlement” if the insurance company has not paid for everything the claim covers.

2. A public adjuster makes sure you don’t settle for anything less than what you’re entitled to.

After plumbing damage, many homeowners feel utterly exhausted. Unfortunately, that can be prime time for insurance companies to take advantage of the situation. They know that you just want to whole process to be over and done with as quickly as possible. You’re rightfully frustrated. But settling for less than what you deserve just to close the claim shortchanges you. Having a public adjuster on your side to fight for you ensures that you won’t fall victim to the insurance company underestimating the replacement cost of your belongings.

3. Public adjusters make sure that the estimate is complete for the full scope of your repairs.

Plumbing issues such as leaky dishwashers or other appliances, drain pipe leaks, or toilet or tub overflows can lead to a lot of other unseen damages in the home. A public adjuster determines all necessary repairs, ensuring your claim covers the total cost of work that needs done. From mold cleanup to dry out charges, they accurately detail the full scope of work. This makes sure your home returns to its pre-plumbing damage state.

How to Choose a Public Adjuster in West Palm Beach

If you’re making a homeowner’s insurance claim to cover repair costs after wind damage, flooding, or other single family home mishap, you need to hire an advocate to ensure you receive all of the compensation you’re entitled to. A public adjuster in West Palm Beach is just that advocate.

Public adjusters work directly with policyholders to maximize payments from the insurance company. They evaluate home damage and how much repairs will cost. Then, they work directly with the insurance company to maximize your claim and expedite payments.

If you’ve experienced damage to your home from floods, wind, plumbing, fire, mold, or other covered event, you need the best public adjuster in West Palm Beach.

It’s essential that you hire an experienced, qualified public adjuster. You need to find someone you can trust to advocate properly for you.

Here’s how to choose a great public adjuster to help you have the best possible experience. First, a few Dos.

Ask about experience.

Check to make sure that the adjuster has specific experience with claims similar to what your homeowner claim is for. You can ask for references (and call them!), as well as credentials. Also ask what professional groups they belong to, such as the National Association of Public Insurance Adjusters (NAPIA).

Make sure the person who comes to your home is the public adjuster who will handle your claim.

Ask whether they are simple a salesman or whether they will be adjusting the loss and communicating directly with you.

Talk about the fee contract.

Find out upfront what they are charging, and do your homework to make sure that the fee is appropriate for the type of your loss, the extent of the repairs, and your claim status.

And there are some don’ts when searching for a great public adjuster in West Palm Beach.

Don’t hire anyone who is not properly licensed.

In Florida, public adjusters are legally required to be licensed in order to perform work in this profession.

Don’t fall for high-pressure sales tactics.

Take your time to read through their proposal thoroughly, and then make a decision on your own time.

Don’t hire anyone who calls you within 48 hours of a personal lines residential loss.

This is illegal in Florida, and you should not be contacted by a residential public adjuster within two days of your loss. However, you may contact an adjuster at any time after your loss.