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Category Archives: Insurance Claims

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.

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.