When to Call on an Appraisal Adjuster in Naples
At Alpha Public Adjusters our insurance appraisal services are primarily for the business community, however, we also serve individual home and property owners in Naples. For the business community, our experienced insurance appraisers offer the best process for insurance appraisals of all types of structures including:
- Commercial properties
- Large manufacturing plants
- Small hotels
- Apartment complexes
Alpha Public Adjusters can also assist with personal property evaluations for a variety of manufacturing and production machinery, office furnishings, hotel and apartment furnishings, professional office and retail furnishings, computers, and office machines.
For our homeowner community, a home appraisal is often required when obtaining your homeowner’s insurance. In many cases, the company itself will send an appraiser. If you are a new homeowner or even an existing homeowner, taking an in-depth look at your finances and assets, determining the pros and cons of your homeowner’s insurance policy can be a little less than straightforward. One of the most critical components of your homeowner’s insurance will be the amount of coverage provided in the unfortunate event that your home is damaged or destroyed. That’s where Alpha Public Adjusters comes in as the best choice for the most widely used determining factor in this whole process, which is the home appraisal.
Alpha Public Adjusters loss prevention appraisals look for structural soundness and defects and at brickwork in chimneys, foundations for potential cracks and appliances for weaknesses or moisture damage, etc. These appraisals are usually compulsory as the insurance company has a vested interest in the structural integrity of your home.
Appraisal for claims is a process frequently found in many insurance policies but is most commonly used in property damage situations. If you live in a flood-prone area of Naples, it is worth your while to conduct an appraisal on your home or business. Hurricanes and floods can cause structural damage, personal belongings damage, and can also damage your land. Many insurance policies do not cover flood damage, so a separate appraisal from Alpha Public Adjusters is a good idea before approaching flood-specific insurance companies. Keep in mind this coverage is usually higher in price than traditional homeowners insurance, but can pay dividends if and when you face a natural disaster. Also worth mentioning that if you live in a federally designated flood zone, the government will actually subsidize the cost of the special coverage.
As a homeowner, you might feel like your insurance company has the upper hand when it comes to replacing or repairing your damaged property. But it’s important to understand that you have many options if you aren’t satisfied with the amount your insurer offers to settle a claim. One of those options is the appraisal process from Alpha Public Adjusters.
When it comes to dealing with hurricanes or flood appraisal and loss or damage you should know that virtually all first-party property insurance policies contain an “appraisal” clause in which each party, insured, and insurer can appoint a “disinterested” or “impartial” appraiser who, in turn, selects an umpire to resolve issues of the amount of loss. The approach of the hurricane season emphasizes the importance of understanding how appraisal clauses are applied in property insurance disputes.
In recent years, disputes between property owners and their insurance carriers in many states including Florida are more and more likely to be resolved in the insurance appraisal process rather than through litigation or mediation. The need for so-called “umpires” is increasing as many catastrophic losses are being resolved by appraisal. This growth in dispute resolution by appraisal means that more and more people should be made aware of just how valuable our appraisal services at Alpha Public Adjusters could be!
When conducted properly, an appraisal is a very effective alternative and dispute resolution process offered by the professional appraisal team at Alpha Public Adjusters. Call today to get help to determine whether or not you need the guidance of an Alpha Public Adjusters appraisal specialist.
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