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Insurance Claims Miami FL

What to Know About Claims Adjusters Before Filing Insurance Claims in Miami

After you file insurance claims in Miami, the company assigns you an adjuster. The claims adjuster will contact you to schedule a time to come out to your property to assess the damage. Whether your claim is due to flood damage, fire damage, wind damage, or other disastrous event, your claims adjuster is there to determine how much the insurance company will compensate you for the loss.

Here’s what you should know about insurance claims adjusters before you file a claim.

Insurance adjusters are paid by the insurance company, which means they are working in their best interest – not yours. While they may be easy to work with, personable, and helpful, they’re ultimately looking out for the bottom line of the insurance company and aren’t trying to make sure you receive what you’re entitled to. They want to pay out as little as possible.

Claims adjusters want you to like and trust them, so that you won’t hire a public adjuster or turn to others for help if you feel like you weren’t properly compensated. They want you to settle the claim without involving outside help and know how to get you to do so by gaining your trust. Claims adjusters often learn how to do this during their training, so that they can help keep more money in the pockets of the insurance company.

Are claims adjusters bad people? No. They’re doing their job to help protect the insurance company. And that means that you should have someone working on your side to protect your investment into your property and your insurance premiums.

A public adjuster is an advocate for property owners filing insurance claims in Miami.

Public adjusters act on behalf of the owner filing a claim to help ensure that they receive the compensation they so rightly deserve. They work with insurance companies to make sure that you’re properly compensated and help speed along the payment process. At D Davis & Associates, our public adjusters assist you with insurance claims in Miami to make sure the process goes smoothly and and fairly. Call us today at 954-709-3982, and put us to work for you with claims services or a risk analysis!

Wind/Hurricane Damage Insurance Claims Miami FL

What Coverage Should I Have for Wind/Hurricane Damage Insurance Claims in Miami

Strong winds from a storm or hurricane can quickly cause a devastating amount of property damage. The damage could be enough to cause financial ruin. So, it’s important to have the best coverage for wind/hurricane damage insurance claims in Miami. But how do you know what you need?

How much coverage for wind/hurricane damage insurance claims in Miami you should have depends on the value of your home.

There is only one factor that goes into determining what coverage you should have to ensure that your loss won’t be a financial burden, which is adding a hurricane policy. Wind / hurricane coverage is a separate policy. It must be added to your homeowner’s insurance. You do not have coverage at all for damage from winds or hurricanes if you don’t pay for it specifically. This is also true for flood damage due to hurricanes.

Hurricane deductibles are typically based on a percentage of your home’s insured value. This percentage is based on the amount of risk for your property. It may range from as little as 2% if you’re not in a coastal area to as much as 10%. Some policies may have a specified dollar amount for the deductible, which must be paid by the property owner before insurance coverage kicks in and your claim is paid.

In Florida, there is an annual deductible, so once you meet your deductible, if another storm comes, your policy will pay for 100% of repair / rebuild costs if you have also met your regular home insurance deductible.

To ensure you have the best coverage for your home’s location, including a wind / hurricane policy contact one of our public adjusters for a risk analysis.

At D Davis & Associates, we offer risk analysis to help identify any areas where threats you may not have proper coverage for can manifest. This is particularly helpful so that home or business owners can rebuild after high winds or hurricanes without losing money.

You can’t prevent a natural disaster, but you can prevent a devastating financial one. Let us help. Call us today at 954-709-3982 for a risk analysis appointment to insure your wind/hurricane damage insurance claims in Miami don’t catch you by surprise and leave you empty handed.

Darryl Davis, Public Adjuster Florida

Why Hire Darryl Davis, Public Adjuster

For over 20 years, Darryl Davis, public adjuster has been an advocate for property owners who experience damage after natural disaster strikes. With his help, you can be sure that you are properly reimbursed after filing an insurance claim. Here’s why you should hire DDavis to assist with your claim.

Darryl Davis, Public Adjuster works for you, not the insurance company.

Darryl Davis understands how insurance companies work to pay property owners the minimum amount possible. That’s why he gets to work advocating for you, so that you receive what you’re entitled to and get your payment as quickly as possible. He will fight for your claim every step of the way. Darryl Davis is licensed and bonded, and Darryl Davis is always professional. He understands the stress after a loss that policy holders go through and helps reduce the emotional burden on owners by making the process as simple as possible.

Darryl Davis & Associates adjusters can help you with fire damage, flood damage, roof damage, and so much more!

We offer a variety of services to help with the insurance claims process. We are able to assess the following types of damage to your home or commercial property to help ensure your claim is more successful:

  • Fire
  • Flood
  • Hurricane
  • Mold / mold remediation
  • Plumbing
  • Rood
  • Wind

Not only do we help after a claim has been filed, but we also offer risk analysis to ensure that your insurance policy covers everything you need it to BEFORE disaster strikes. This service is invaluable, especially for policy holders who have ever had to file a claim before that was denied due to improper coverage. Many people are devastated to find that after they file a claim, they did not have proper protections in place.

Our team is experienced and professional.

We offer decades of combined experience in the insurance claims industry, and we are passionate about what we do. We are committed to helping our clients get the the settlement they are entitled to from the insurance company.

To maximize your claim after a catastrophic event has left your property damaged, contact Darryl Davis, public adjuster.

When you need a caring, experienced, professional public adjuster in South Florida, then call Darryl Davis at 954-709-3982! Let Darryl or one of our associates advocate on your behalf to get your claim quickly processed at the maximum amount.

Public Adjuster Fort Lauderdale FL

How to Find a Good Public Adjuster in Fort Lauderdale

Working for the policyholder, a public adjuster advocates for property owners who suffer losses after hurricanes, high winds, or other related phenomenons occur. They thoroughly asses the damage to ensure that the insurance adjuster properly calculates the value of items and / or structures lost. A good public adjuster in Fort Lauderdale will help maximize the amount of your claim to ensure you’re properly compensated. They also help you receive your payout faster.

Here’s what to look for in a public adjuster.

Excellent Reputation

Ask for a referral from friends and family first, as they’ll be able to tell you about their personal experience. Also, check online reviews to see what people are saying about the public adjuster you find. Facebook, Google, and Angie’s List can help you get started learning more about a public adjuster’s reputation. Visit their website for customer testimonials as well. Not online do adjusters often have testimonials, but you can also get to know them a little better, too.


When you find a public adjuster (PA), call and ask them about their experience. Look for first-hand knowledge and experience dealing with the same type of claim you are filing. You can often find this type of info online as well.


According to the State of Florida, PAs must be licensed and bonded. Ask the PA about their licensing, and make sure it is up to date. Public adjusters must pass an exam to become licensed, so you can trust that they should be able to properly perform all functions of a PA.

Contract Details

You want to be sure that the fees for their services are written in a contract to help protect you against any unforeseen issues. Be sure to ask for a written and signed contract, and then check to be sure that their fees are competitive compared to other local public adjusters.

Ready to hire a public adjuster in Fort Lauderdale to make the claims process easier and recover from your loss faster? Call Darryl Davis today!

After fire, flooding, or other natural disaster strikes, call your insurance company, then dial Darryl Davis and Associates at 954-709-3982. Our public adjusters are ready to get to work for you, so that you can focus on healing and rebuilding. We offer risk analysis, so you don’t have to wait for a disaster – you can be prepared ahead of time!

Public Adjuster in Orlando FL

Do I Need a Public Adjuster in Orlando?

While your insurance company assigns you an adjuster during your claims process, the adjuster works for them. They are there to help protect the company against frivolous claims. While that is necessary, as there are people who try to take advantage of insurance policies, most homeowners are just trying to get what they’re properly owed. If you have to file an insurance claim, it’s best to hire a public adjuster in Orlando to help you navigate the process.

A public adjuster in Orlando is a homeowner’s advocate.

They make sure the insurance company stands behind their policy’s promises. Public adjusters (PAs) go to bat for you, so the insurance company doesn’t get away with only looking out for their own interest.

Public adjusters help ensure your claim is handled properly.

Your loss is already devastating enough without the added stress of an improperly handled claim. A PA helps reduce the emotional burden and trauma that may come from disputes with your insurance claims adjuster.

PAs help homeowners get the maximum settlement.

Public adjusters can help increase the total amount homeowners are compensated for their fire, wind, flood, or other loss. People who file residential claims without a public adjuster on their side may not receive the full settlement amount they’re entitled to.

They don’t get paid unless you get paid.

If your claim isn’t paid out, then you don’t lose anything by hiring a PA. They are hired on a contingency basis. They don’t charge upfront, so you can be sure that they will do their absolute best to get you the highest settlement amount possible.

Bottom line: Yes, it’s best to hire a public adjuster.

In an ideal world, insurance companies would work in your best interest every time. Fortunately, public adjusters are there to step in and help make sure that they do.

When do you need a public adjuster in Orlando? If you want someone on your side not beholden to the insurance company, so you get the maximum payout. They help get your settlement quickly, while making sure everything in the claims process runs as smoothly as possible.

It’s best to consult with a PA before you ever even have to file a claim. They can perform a risk analysis to help make sure you’ve got the best possible insurance coverage should a devastating loss occur.