Palm Beach County

Recent Results:

State: Florida Public Insurance Adjuster
County: Palm Beach County County Public Insurance Adjuster
City: Palm Beach Public Adjuster
Palm Beach, FL 33480 – Neighborhood: Everglades Isle / Island Dr
Claim Type: (HVH) – High Value Home – Wind/Water
Insurance Company Original Offer: $65,000
Alpha Public Insurance Adjusters settlement: $280,000 ( New Roof+ )
Percentage Increase: +330%

State: Florida Public Insurance Adjuster
County: Palm Beach County County Public Insurance Adjuster
City: Palm Beach Gardens Public Adjuster
Palm Beach Gardens, FL 33418 –Neighborhood: Steeplechase/Desert Vixon
Claim Type: Supply line in Slab – Water Damage
Insurance Company Original Offer: $38,000
Alpha Public Insurance Adjusters settlement: $142,000
Percentage Increase: +270%

State: Florida Public Insurance Adjuster
County: Palm Beach County County Public Insurance Adjuster
City: Wellington Public Adjuster
Wellington, FL 33414 – Neighborhood: Fairlane Court / Quarter Horse Trail
Claim Type: Supply Line break in Slab / Water
Insurance Company Original Offer: $53,000
Alpha Public Insurance Adjusters settlement: $335,000
Percentage Increase: +530%

State: Florida Public Insurance Adjuster
County: Palm Beach County County Public Insurance Adjuster
City: Jupiter Public Adjuster
Jupiter FL 33469 – Neighborhood: Riverside
Claim Type: Slab leak – Plumbing/Water
Insurance Company Original Offer: $8,600
Alpha Public Insurance Adjusters Settlement: $64,000
Percentage Increase: +640%

State: Florida Public Insurance Adjuster
County: Palm Beach County County Public Insurance Adjuster
City: Lake Worth Public Adjuster
Lake Worth, FL 33460 – Neighborhood: South Federal/17th
Claim Type: Plumbing Backup / Cat 3 Water Damage
Insurance Company Original Offer: $31,000
Alpha Public Insurance Adjusters settlement: $72,000
Percentage Increase: +130%

State: Florida Public Insurance Adjuster
County: Palm Beach County County Public Insurance Adjuster
City: Lighthouse Point Public Adjuster
Lighthouse Point, FL 33064 – Neighborhood: NE 53rd
Claim Type: Water Purification System / Water
Insurance Company Original Offer: $15,000
Alpha Public Insurance Adjusters settlement: $40,000
Percentage Increase: +160%

State: Florida Public Insurance Adjuster
County: Palm Beach County County Public Insurance Adjuster
City: Tequesta Public Adjuster
Tequesta, FL 33469 – Neighborhood: Riverbend Country Club / Fairway Circle
Claim Type: AC Leak – Water Damage
Insurance Company Original Offer: $1,600
Alpha Public Insurance Adjusters settlement: $45,000
Percentage Increase: +2700%

State: Florida Public Insurance Adjuster
County: Palm Beach County County Public Insurance Adjuster
City: Delray Beach Public Adjuster
Delray Beach, FL 33484 – Neighborhood: Delray West Estates
Claim Type: Tropical Storm
Insurance Company Original Offer: $18,000
Alpha Public Insurance Adjusters settlement: $165,000 ( New Roof )
Percentage Increase: +9000%

State: Florida Public Insurance Adjuster
County: Palm Beach County County Public Insurance Adjuster
City: Boynton Beach Public Adjuster
Boynton Beach, FL – Neighborhood – Estancia
Claim Type: Fire – Stovetop Fire
Insurance Company Original Offer: $10,000
Alpha Public Insurance Adjusters settlement: $86,000
Percentage Increase: +760%

State: Florida Public Insurance Adjuster
County: Palm Beach County County Public Insurance Adjuster
City: Boca Raton Public Adjuster
Boca Raton FL 33432- Neighborhood: Pearl City
Claim Type: Water – Supply line leak in wall
Insurance Company Original Offer: $ 17,500
Alpha Public Insurance Adjusters Settlement: $54,000
Percentage Increase: +200%

Why It’s Important to Review the Special Limits in Your Insurance Policy

Most homeowners don’t realize all the special limits that come with their insurance policy. Limits to your coverage can greatly impact what you’ll be reimbursed for after filing a Florida residential property insurance claim. Most special limits are clearly stated. However, some are hidden in difficult terminology, which is done intentionally by your insurer. You will benefit from learning all about these limits to avoid the feeling of disappointment when you aren’t fully paid for certain items. It will also help you determine if this policy will fully cover you, or whether you should find another policy that best suits your needs. In this article, we’ll explain some of the special limits for Palm Beach County, Florida residents to be aware of. 

It’s always best to be completely informed about your insurance coverage, which is why our team has come up with this list. 

Damage May Exceed the Coverage

There are several special limits that can apply to your policy, for various disasters. Whatever type of insurance you have, these special limits can affect how much money you will receive. For example, if the damage exceeds more than what is stipulated as the maximum amount payable, the insurance company will not pay in full. So, if water damage costs you over $20,000, but your policy covers up to $5,000, you must pay out-of-pocket for what the policy does not cover. 

Unfortunately, for such cases, it doesn’t matter if you did your due diligence and filed the paperwork correctly and on time. Furthermore, there was no wrongdoing on the insurance provider’s part. Policyholders must read the special limits in the policy to ensure they’re accepting the right coverage for their needs.

Outdated Policies 

Your lifestyle may have changed since you first shopped around for your homeowner’s insurance and selected your current policy. As everybody knows, circumstances change, and your policy may not fit your current lifestyle. For example, at the time you took out your policy, you may have been okay with the maximum cash payable limit. Now, that amount may be far too low. As a result, you should re-shop for homeowners’ insurance every one or two years. While this isn’t a limit, it shows that old policies may have restrictive limits for your current lifestyle. It’s an important consideration to make as you go through life. 

Jewelry and Watches May Not Be Covered

Be aware that there is a limit on how much will be paid if you lose jewelry, watches, furs, and other high-value items. Therefore, if you have valuable items that you want to be protected and your standard homeowner’s insurance has excluded them, it may be in your best interest to buy separate insurance for such items. 

Your Lifestyle Items May Have Low Limits 

Don’t be surprised if you must pay a high out-of-pocket expense on lifestyle items. This includes: 

• Bikes 
• Phones
• Tablets 
• Computers/laptops
• Electronic devices 

Even if you spent over $1,000 on your laptop, you shouldn’t expect your insurance provider to pay for even half of that. This is another reason why it’s so important to read your policy. 

Bottom Line 

Always take the time to review your policy and special limits section. Not only does it keep you well-informed, but it can save you thousands in the long run. Let’s consider you have reviewed your policy and realize many of the items you own are not included by special limits. Would you feel comfortable accepting this policy? Or, what if the policy covers more than what you own? You could spend thousands less each year on a more basic policy. 

It’s good to evaluate what you need in terms of special limits. This will help you decide the best policy, one that offers adequate coverage without costing a fortune. 

If you feel you are spending too much or think you should re-shop for policies but you don’t feel confident doing it alone, contact our public adjusters. Not only do we assist homeowners when filing a Florida residential property insurance claim, but we can also help provide invaluable advice that can save thousands a year. If you live in Palm Beach County, Florida, call today at (888) 442-5742.