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Gateway FL 33974 – Neighborhood: Nimitz Blvd
Claim Type: Hurricane – Water Damage
Insurance Company Original Offer: $21,000
Alpha Public Insurance Adjusters Settlement: $73,000 ( New Roof)
Percentage Increase: 240%
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Gateway FL 33972 – Neighborhood: East 15th St/Lake Ave
Claim Type: Hurricane – Water Damage
Insurance Company Original Offer: $Under Deductible
Alpha Public Insurance Adjusters Settlement: $106,000 ( New Roof)
Percentage Increase: 106,000%
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Gateway FL 33973 – Neighborhood: Westminster/Oxford Ridge Cir
Claim Type: Slab Leak – Water Damage
Insurance Company Original Offer: $15,000
Alpha Public Insurance Adjusters Settlement: $102,000
Percentage Increase: 580%
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Gateway FL 33973 – Neighborhood:51st St W/Olive ave
Claim Type: Wind
Insurance Company Original Offer: $3,900
Alpha Public Insurance Adjusters Settlement: $51,000
Percentage Increase: 1200%
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Gateway FL 33973 – Neighborhood:Jackson Ave
Claim Type: Plumbing Backup – Water Damage
Insurance Company Original Offer: $13,800
Alpha Public Insurance Adjusters Settlement: $74,000
Percentage Increase: 400%
Avoid Saying This When Working with Your Insurance Claim Adjuster
We often shed a negative light on insurance companies and the insurance claim adjuster who works for these companies. Sadly, much of what we talk about is true.
- Insurance companies do not want to deliver large payouts. It goes against their financial bottom line, which is to make money– not for you. Despite the high annual premium you pay, these companies don’t look out for you in the event of theft, vandalism, accidents, and natural disasters.
- Insurance adjusters are biased because they work for the insurance company. As a result, even if decreasing your settlement is not in their training, their actions will go against you and lean towards their employer. In other words, your bottom line isn’t their bottom line.
For these reasons and more, we always recommend policyholders hire expert public adjusters before dealing with the insurance company. However, if you try to navigate these waters on your own, we’ll arm you with some much-needed information: things you should never say to your insurance adjuster.
Never Admit Fault
If an accident occurs on your residential or business property, never admit fault, even if you may be responsible for some of the damages. A few ways to admit fault include apologizing, admitting neglect, or outright saying the damage was your fault. Your insurance company will use these statements against you to underpay or deny your claim. Insurance adjusters are already skilled in the art of omitting important details and discovering ways to underpay the policyholder. Don’t give them more evidence to strengthen their case against you.
What should you do instead? Say as little as possible. Wait to hear what the adjuster has determined. If you do not agree with their assessment, you are within your right to hire a public adjuster for a second opinion.
Don’t Speculate the Cause of Damage
Try not to begin any statements with “I think…” when answering an insurance adjuster’s questions. This indicates that you are uncertain, which can be twisted into being an “inconsistent statement.” As you may know, this will be used against you during the claims process. Avoid all speculative phrases and, when in doubt, just say as little as possible.
Contact Alpha Public Insurance Adjusters
If this feels like a lot to take in, remember that you’re not alone. You’re within your right to hire a third-party public adjuster in addition to working with the insurance claim adjuster. If you live in Leigh Acres and the surrounding areas, contact us at (888) 442-5742 for a free consultation.
