Recent Results:
State: Florida Public Insurance Adjuster
County: Indian River County Public Insurance Adjuster
City: Gifford Public Insurance Adjuster
Gifford 32967 – Neighborhood: River Village Drive
Claim Type: Wind/Water – Roof Leak
Insurance Company Original Offer: $5,400
Alpha Public Insurance Adjusters Settlement: $61,000 ( New Roof +)
Percentage Increase: +1000%
State: Florida Public Insurance Adjuster
County: Indian River County Public Insurance Adjuster
City: Gifford Public Insurance Adjuster
Gifford 32967 – Neighborhood: Coventry lane / Grand harbor Area
Claim Type: Wind/Water – Roof Leak
Insurance Company Original Offer: $16,000
Alpha Public Insurance Adjusters Settlement: $58,000( New Roof +)
Percentage Increase: +260%
State: Florida Public Insurance Adjuster
County: Indian River County Public Insurance Adjuster
City: Gifford Public Insurance Adjuster
Gifford 32967 – Neighborhood: East Harbor Village Dr
Claim Type: AC Leak – Water Damage
Insurance Company Original Offer: $4,300
Alpha Public Insurance Adjusters Settlement: $29,000
Percentage Increase: +570%
When to File a Homeowner’s Claim in Gifford, Florida
Hurricane season is here yet again in Florida. Storms don’t usually intensify until the middle of August, but preparation is key to mitigating your risk of severe property damage. Because your roof is your first line of defense (and one of your most expensive investments), we at Alpha Public Insurance Adjusters highly recommend reinforcing your roof before strong winds and heavy rain begins. However, if your roof gets damaged and you experience severe leaking, rely on an expert public adjuster if you live in Gifford, Florida, or the surrounding areas. We will help you through the entire claims process.
When You Should File a Claim
If you experience roof damage, you might not know when to file or whether it’s necessary. Truthfully, you may not need to file a claim. The time to do so is when your total damage is significantly higher than your deductible. After all, you pay homeowner’s insurance to prevent high out-of-pocket costs. However, if the damage is less than your deductible, we don’t recommend that you file a claim. Insurance companies are in the business of making money. As a result, whenever you file a claim, your insurer will charge more for your coverage.
Why Do Insurance Companies Hike Up Your Coverage?
The reason is simple: when an individual files multiple claims over the years, insurers believe they are more likely to file a claim in the future. For example, if you live in a high-risk hurricane area, such as the Florida Keys, your premium is certain to increase. Expert public adjusters exist because we know that insurance companies only look out for their bottom line. A higher premium is their way of recouping the payout.
As a result, our advice is never to file a claim unless your out-of-pocket costs are impossible to cover. When that time comes, you can work with the insurance adjuster who is hired by the insurance company, or you can work with a public adjuster who works strictly for you. At Alpha Public Insurance Adjusters, we are known for assessing the damage and coming up with a higher figure than most insurance adjusters initially offer. This is because the insurer’s first settlement offer is always the lowest. Since we’re looking out for you, we have no reason to undervalue what you are rightfully owed.
What Happens if You File Multiple Claims?
When you live in a high-risk hurricane area, you may end up filing multiple large insurance claims. It probably goes without saying that insurance companies don’t like this. Therefore, they often increase your policy at the renewal date, which is typically one year after your policy began. If you consistently file multiple claims because hurricanes are taking a toll on your home, your insurance company can cancel you.
Is that even legal? Unfortunately, yes.
When you file multiple claims, you are labeled as a “high risk” homeowner. It’s an unfortunate label and one you don’t deserve when the situation is out of your control. However, the insurance company can still drop you. Additionally, this can make it difficult for you to get another policy until the claims are no longer on your record, which is typically five to seven years. One difficulty with this situation is you likely won’t know how many claims are considered “too many.” Every insurance company will look at the individual’s record differently.
Do You Live in a High-Risk Area? You Have Options
Let’s imagine the worst situation: you are canceled by your current homeowner’s insurance, and you now have difficulty finding another policy. What can you do? Consider a high-risk insurance company. As the name implies, this is a company that will accept homeowners who have been labeled “high-risk.” Unfortunately, the cost may be more expensive than your standard policy, with limited claim types. As with every company with which you enter an agreement, make sure to vet them thoroughly prior to making a final decision.
Contact Alpha Public Insurance Adjusters
There are so many benefits of hiring your own public adjuster. For starters, we do not ask for an upfront payment. At Alpha Public Insurance Adjusters, we even offer a free initial consultation to get to know you and understand your claim. Furthermore, we will negotiate on your behalf.
As previously stated, insurance companies will try to offer you the lowest settlement. We won’t allow that and will negotiate until will feel we’ve reached a fair payout. Claims processes are known for being difficult and time-consuming. When you work with a public insurance adjuster, we can speed up the process and make the transaction go smoother. More importantly, when you work with an expert public adjuster, we increase the likelihood of you obtaining a higher settlement.
So, don’t delay. Contact our team or call (888) 442-5742 today.
