Recent Results:
State: Florida Public Insurance Adjuster
County: Collier County Public Insurance Adjuster
City: Lely / Lely Resort Public Insurance Adjuster
Lely FL 34113 – Neighborhood: Royal Palm
Claim Type: Toilet Overflow – Water Damage
Insurance Company Original Offer: $12,000
Alpha Public Insurance Adjusters Settlement: $61,000
Percentage Increase: +400%
State: Florida Public Insurance Adjuster
County: Collier County Public Insurance Adjuster
City: Lely / Lely Resort Public Insurance Adjuster
Lely FL 34113 – Neighborhood: Warwick Hills / Doral Circle
Claim Type: Reverse Osmosis system leak – Water Damage
Insurance Company Original Offer: $5,600
Alpha Public Insurance Adjusters Settlement: $40,000
Percentage Increase: +600%
State: Florida Public Insurance Adjuster
County: Collier County Public Insurance Adjuster
City: Lely / Lely Resort Public Insurance Adjuster
Lely Resort FL 34113 – Neighborhood: Lely Island/Mallow
Claim Type: Roof Leak – Water Damage
Insurance Company Original Offer: $21,000
Alpha Public Insurance Adjusters Settlement: $35,000
Percentage Increase: +60%
State: Florida Public Insurance Adjuster
County: Collier County Public Insurance Adjuster
City: Lely / Lely Resort Public Insurance Adjuster
Lely Resort FL 34113 – Neighborhood: Mustang Island Circle
Claim Type: Roof Leak – Wind/Water Damage
Insurance Company Original Offer: $11,000
Alpha Public Insurance Adjusters Settlement: $45,000
Percentage Increase: +300%
State: Florida Public Insurance Adjuster
County: Collier County Public Insurance Adjuster
City: Lely / Lely Resort Public Insurance Adjuster
Lely Resort FL 34113 – Neighborhood: Lely Island/Mallow
Claim Type: Shower Pan Failure – Water Damage
Insurance Company Original Offer: $1,300
Alpha Public Insurance Adjusters Settlement: $28,000
Percentage Increase: +2000%
When and Why You Should Hire Public Adjusters in Lely/Lely Resort, FL
You pay a high premium for your insurance policy to be protected against loss. Whether you have homeowners’ insurance or a business owner policy, it is supposed to protect you against floods, fires, theft, vandalism, and much more. It’s always important to arm yourself with the knowledge within your policy to know what it covers and what’s excluded, so you won’t ever get caught off guard. Once you report a claim, your insurer will send an insurance adjuster to your property. S/he will assess the property damage and attribute a value. However, you can also get a second opinion in the form of public adjusters. Unlike the insurance adjuster, a public adjuster (PA) has no ties to the insurance company. Instead, they work for you.
You may be wondering why you should hire a PA if the insurer already sends out an experienced adjuster. They can help maximize your settlement, so you pay less out-of-pocket in the long run. In this article, we’ll explain what a PA does, and when to hire one in Lely, FL.
What Can a Public Adjuster do for You?
First, a PA is a licensed and state-credentialed professional who works for the policyholder, not the insurer. They can help you understand the legality of your policy, file your claim correctly, and negotiate with the insurance company when they offer a low estimate – which is typically the first settlement. You can find a niche adjuster or one who works to negotiate all claims, such as hurricane damage, fire, smoke, vandalism, and flooding if the latter is included in your policy.
Their assistance doesn’t stop there. They assist policyholders in other ways, including:
- Itemize lost and damaged property.
- Do the math to quantify the cost of repairs.
- Gather claim information beyond taking pictures of the scene.
- Submit the claim on your behalf.
- Negotiate compensation with contractors and the settlement with insurers.
The list doesn’t even stop there. At Alpha Public Insurance Adjusters, our team can assist you in all stages of the claim process, no matter what claim type. Let us help you with:
- Fire damage
- Hurricane damage
- Lightning damage
- Plumbing leaks
- Business interruption
- Roof damage
We can also assist you with mold and flooding damage if your policy covers these disasters, or if you have an adjacent policy to protect yourself. We will ensure you file everything correctly and in a timely manner. In Florida, you have four years from the date of the property damage to file a claim. This may seem like a long time, but filing a claim is labor-intensive and can take months. Additionally, if you are unhappy with your settlement, were denied by your insurer, or must file a new claim, this needs to fall under the four-year deadline.
When Should You Hire a Public Adjuster?
If this is your first time filing a claim, it’s strongly recommended that you hire a public insurance adjuster, especially for large claims. First, it’s possible that you lack the experience to submit an accurate claim with a correct estimate. You may end up filing a lower estimate than the property damage. Additionally, you should not assume that the insurance adjuster will be honest with their evaluation. In some cases, they leave out certain expenses to lower the settlement. The insurance company may also drag out the process or delay your claim unjustly. Working with a public adjuster can help navigate the complexities of filing an insurance claim. From filing the claim correctly, to dealing with the insurers, we’ll help you get it done right.
Contact Alpha Public Insurance Adjusters
We understand the emotional toll theft, vandalism, or a natural disaster can have on a person. We also know that filing a claim can feel like a full-time job. When you can’t do it alone, or simply don’t have the time, contact our team immediately. We will help maximize your settlement and, more importantly, get your life back on track. Call today at (888) 442-5742 for a free consultation.
