Recent Results:
State: Florida Public Insurance Adjuster
County: Martin County County Public Insurance Adjuster
City: Jupiter Island Public Adjuster
Jupiter Island , FL 33455 – Neighborhood: S Beach Road
Claim Type: (HVH) High Value Home – Wind +Water Damage
Insurance Company Original Offer: $114,000
Alpha Public Insurance Adjusters settlement: $500,000
Percentage Increase: +330%
Jupiter Island , FL 33455 – Neighborhood: Saddler trail/S Beach Rd
Claim Type: (HVH) High Value Home – Wind /Water Damage
Insurance Company Original Offer: $39,000
Alpha Public Insurance Adjusters settlement: $275,000
Percentage Increase: +600%
Jupiter Island , FL 33455 – Neighborhood: Gomez Road
Claim Type: (HVH) High Value Home – Broken Drain Arm
Insurance Company Original Offer: $45,000
Alpha Public Insurance Adjusters settlement: $190,000
Percentage Increase: +320%
Signs Your Insurance Company Underpaid Your Claims
Whether you live in Jupiter Island, FL, or another city, you can experience underpaid claims for homeowner’s insurance. In fact, this practice isn’t uncommon. Insurance companies generally reduce the claims payout to keep their profits high. Therefore, it is vitally important to hire a public adjuster, like the experts at Alpha Public Insurance Adjusters, to guide you through the claims process. Don’t be surprised if insurance adjusters undervalue your loss, falsely claim that the damage was not covered by your policy, or even say you filed your paperwork incorrectly. They will use every trick in the book to prevent you from receiving the settlement to which you are entitled.
The sad fact is, that many policyholders are not aware of these tactics and don’t know for certain if they were underpaid, even if they have their doubts. In this article, we’ve compiled the top signs to look for to determine whether your insurance company has given you a low settlement.
The Estimate Seems Too Low
We’ll start with the obvious. If the estimate seems too low, it probably is. Insurance adjusters generally offer the lowest settlement, assuming policyholders lack the knowledge to negotiate a higher amount. However, one step in the claims process is attributing a value to your lost and damaged property/personal items. If they provided an estimate lower than the estimate you calculated, it’s time to seek a second opinion. Contact a public insurance adjuster to assess the damage and come up with their own settlement. You will be surprised at what a difference this can make.
The Initial Assessment Was Incomplete
We recommend that you stay with the insurance adjuster while they are assessing the damage. Make sure nothing gets overlooked during the inspection. If you notice that damage was not included, this is an obvious indication that you will be underpaid on your claim. Never be afraid to speak up if you see such unscrupulous behavior. When the insurance adjuster overlooks damaged property, make sure to point it out and negotiate a higher settlement.
Another indication is when the adjuster rushes through the process. They have a full docket and may not spend enough time reviewing your property. If the inspection feels rushed, let the insurance adjuster know that they did not perform a thorough inspection.
Part of Your Claim Was Denied
Your insurance company may be underpaying you if your claim was partially denied. Make sure you thoroughly read your insurance policy, so you know what is and isn’t covered. We understand the terminology can be complicated or plain difficult to understand, which is why you can hire us at the beginning of the claims process simply to explain what your policy states. This way, your insurance company will not be able to falsely claim that damage wasn’t covered in your policy, as you will know otherwise.
The Settlement Does Not Include Professional Repairs
If you are only receiving payment for the damaged items and no additional costs to hire a professional to do repairs, you are being underpaid. Make sure the cost of materials and labor are both accurately represented in the settlement. Again, if this is an area you may lack in knowledge and experience, it helps to hire a public adjuster to work with you and ensure you’re being covered for all expenses.
Contact Alpha Public Insurance Adjusters
The good news is, that you can always get a second opinion with underpaid claims. Contact a public adjuster to assess the property damage before you receive payment from your insurance company. You don’t want to wait until you hire a contractor to fix the damages and their fee is much higher than the insurer’s payout.
You’re paying a high premium to prevent significant out-of-pocket expenses. Don’t let the insurance company give you the runaround. Instead, contact our team and let us help you during the entire claims process or when you need a second opinion. Call (888) 442-5742 for a free consultation.
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