Recent Results:

State: Florida Public Insurance Adjuster
County: Broward County Public Insurance Adjuster
City: Lauderhill Public Insurance Adjuster
Lauderhill  FL 33311  – Neighborhood: Broward Estates
Claim Type: Wind/Water – Roof Leak
Insurance Company Original Offer: $6,500
Alpha Public Insurance Adjusters Settlement: $39,000
Percentage Increase: +500%

State: Florida Public Insurance Adjuster
County: Broward County Public Insurance Adjuster
City: Lauderhill Public Insurance Adjuster
Lauderhill  FL 33311  – Neighborhood: NW 33rd Ave/ NW 14th st 
Claim Type: Wind/Water – Roof Leak
Insurance Company Original Offer: $2,200
Alpha Public Insurance Adjusters Settlement: $51,000 ( New Roof)
Percentage Increase: +2200%

State: Florida Public Insurance Adjuster
County: Broward County Public Insurance Adjuster
City: Lauderhill Public Insurance Adjuster
Lauderhill  FL 33351  – Neighborhood: Inverrary
Claim Type: Disposer Leak – Water Damage
Insurance Company Original Offer: $4,600
Alpha Public Insurance Adjusters Settlement: $39,000 
Percentage Increase: +740%

State: Florida Public Insurance Adjuster
County: Broward County Public Insurance Adjuster
City: Lauderhill Public Insurance Adjuster
Lauderhill  FL 33351  – Neighborhood: Nw 54th Ave / NW 14th Pl
Claim Type: Broken Shower Diverter – Water Damage
Insurance Company Original Offer: Under Deductible
Alpha Public Insurance Adjusters Settlement: $19,000
Percentage Increase: +19,000%

State: Florida Public Insurance Adjuster
County: Broward County Public Insurance Adjuster
City: Lauderhill Public Insurance Adjuster
Lauderhill  FL 33351  – Neighborhood: Nw 54th Ave / NW 14th Pl
Claim Type: Broken Supply line in Slab
Insurance Company Original Offer: $12,000
Alpha Public Insurance Adjusters Settlement: $61,000
Percentage Increase: +400%

What You Should Know as a Policyholder in Lauderhill Florida

Did you know that your insurance policy is a binding contract between you and your insurance company? Policyholders don’t always see it that way when they accept underpaid claims and claim denials from their insurer. The insurance company and home insurance claim adjuster is required to take certain steps to meliorate the situation in a timely manner. Sadly, the claims process rarely moves swiftly. Instead, insurance companies often delay the process to keep you from getting money that is entitled to you. 

As a policyholder, it’s important to know your rights. This begins with a comprehensive review of your policy. If you need assistance, you can reach out to your insurer, but they may not be as helpful as you would like. Instead, contact a public insurance adjuster. They can better guarantee that you will receive full compensation and a swifter claims process. Contact Alpha Public Insurance Adjusters if you live in Lauderhill Florida or the surrounding area. 

Know Your responsibilities 

If your home has experienced damage due to theft, fire, or natural disaster, as a policyholder you have responsibilities that go beyond reporting the damage. 

First, it is important that you took the necessary steps to prevent damage. For example, if you experience a pipe leak, you must prove that you did not neglect your plumbing maintenance. If you are suffering from water damage from a roof leak, it’s important to prove that you maintained your roof over the years. If your neglect is the result of the property loss, your claim may be denied.

Additionally, you must always file your claim within the deadlines. These deadlines can be strict. If you are not ahead of the curve, a deadline can pass without your knowledge. In Florida, you have four years to file a homeowner’s insurance claim. However, there are additional deadlines for filing documents, appealing a claim, etc. Make sure you are aware of all deadlines at the start of the claims process. 

After you have reported your claim, you must contact a licensed restoration company in your area. But first, make sure you take pictures of the damage before your home is restored. You should also take inventory of your loss, as you will be required to document all lost or damaged property/items and attribute a value to them, or what’s known as an itemized claims package. Furthermore, it’s in your best interest to keep track of all receipts and expenses during your claim for reimbursement. 

You Won’t Get Your Money Right Away 

If you have dealt with insurance companies in the past, you know that processes don’t always go smoothly. You will experience a similar situation when filing a homeowner’s insurance claim. Claims involve multiple steps, and you will find yourself dealing with several different parties, from contractors to the home insurance claim adjuster. Furthermore, if you do not agree with the initial offer your insurance company provides, this creates an additional step: the negotiation process. As a result, you shouldn’t expect to receive a check overnight. 

You May Be Entitled to More Than You Realize

Depending on your policy, your insurer may need to reimburse you for more than the damages and repair costs. You may also be entitled to costs post-loss, such as expenses for temporary living, transportation, and even food. Carefully read your policy to see what additional items it includes. This is another reason why it helps to work with a public adjuster: nothing slips through the cracks. You will receive every penny you are owed.

You Need to Prove Your Claim

Damaged or lost property isn’t enough to entitle you to reimbursement. You need to take the extra step and prove what items were damaged, how much they cost, and that the damage was not your fault to ensure adequate reimbursement. And always remember that if you are dissatisfied with the initial offer, you can negotiate a higher settlement with your insurance company.

Contact Alpha Public Insurance Adjusters 

Finally, it’s important to know that you can hire help in the form of a public adjuster. A home insurance claim adjuster works for the insurer, but the public adjuster works for you. If you live in Lauderhill Florida or the surrounding area, call Alpha Public Insurance Adjusters at (888) 442-5742 for a free consultation.