Theft Vandalism Damage Public Adjuster

Fort Pierce Homeowner Property Damage Insurance Claim Guide and FAQs

Fort Pierce, also known as Sunrise City, has a rich history behind it. However, this doesn’t stop meteorological disasters from laying waste to people’s homes. In 2019, 46,103 people were living here. Many of them have filed claims for property damage since the recent years brought 594 recorded catastrophes throughout Florida. These were mainly attributed to storm damage, but other types of property damage take place as well.

Merkury Public Adjusters provides unmatched assistance with claim procedures and damage assessment in Fort Pierce. Our team performs detailed investigations and in-depth documentation of our incurred losses. We use these to justify a more significant settlement during the negotiations with your insurance company. We offer assistance with the following claims:

  • Denied or underpaid claims
  • Business interruption
  • Hail damage
  • Theft or vandalism damage

Contact us for a free estimate at 561-670-7838! We are the best public adjusters in Fort Pierce, and we can help you file the right claim for your property damage!

Do residents in Fort Pierce need public adjusters?

In our experience, property damage can occur anywhere from various sources. For instance, fire damage can occur because of lightning for a storm or because you forgot the stove on. Alternatively, a gas leak can make your house go up in flames. Rainstorms can lead to water damage, and strong winds may rip off your roof, shattered windows, damaged garage doors, etc. Nature is unpredictable, and that’s why most homeowners prefer insuring their homes against these events.

In Fort Pierce, when a homeowner needs to file a claim for mold damage, for instance, the insurance company may underpay or deny the claim. Some insurance policies don’t cover mold, while others include specific exclusions that justify underpayments. Moreover, your insurer will also underestimate your home damage and incurred losses, and the initial settlement will have a lower value than your estimated repair costs. We recommend you contact Merkury Public Adjusters for professional assistance with your claim procedures.

Our team will arrive there, perform a detailed assessment of the damage, prepare the necessary documentation, and negotiate with the insurance company. We will walk you through the procedures and clarify your misconceptions about the homeowners’ insurance policy. Often, these policies are ambiguous and hard to understand. We will always interpret an insurance policy in your favor because we work for you, no the insurance company.

Florida is no stranger to hurricanes, unfortunately. In 2004, hurricanes Jeanne and Frances devastated the Fort Pierce City Marina, and FEMA arranged the construction of artificial barrier islands for protection purposes. While named hurricanes aren’t too frequent in Fort Pierce, rainstorms and hailstorms are a welcome sight. When your household receives massive damage during devastating weather events, your insurance company should cover your losses. However, underpayments or denied claims are possible, and only Merkury Public Adjusters can help you with these!

What types of homeowners’ insurance policies are available in Fort Pierce?

In Fort Pierce, homeowners can receive coverage under 8 types of insurance policies that use the abbreviation “HO”, meaning homeowner. A specific number reveals the kind of coverage that the policy provides. Therefore, a homeowner can acquire one of the following insurance policies:

  • HO-1 insurance policies cover property damage caused by named perils such as aircraft damage, explosions, smoke or fire damage, hail, windstorms, etc. Whatever isn’t included in the policy isn’t a covered event.
  • HO-2 policies include a few perils more than the HO-1s, such as heating or air conditioning damage, electrical damage, and others.
  • HO-3 insurance policies are called “special forms” because they only explain what’s not covered by the policy. Other than these exclusions that aren’t covered, everything else is.
  • HO-4 policies, also known as “renters’ insurance,” cover the loss of belongings and personal liability for renters. However, it doesn’t cover structural damage to the dwelling.
  • HO-5 – these policies include the most amount of covered perils, more than HO-1, HO-2, and HO-3 policies. Consequently, these policies are the most expensive out of all three.
  • HO-6 insurance policies are condo insurances for condominium owners. Similar to the HO-4s, the HO-6 policies cover personal liability and belonging losses. When the dwelling’s structure suffers damage, it is the condo association’s responsibility to cover the losses.
  • HO-7 is specially designed for mobile homeowners. It’s similar to the HO-3, with the only difference being that HO-7 insurance policies include perils relevant to mobile homes.
  • HO-8 insurance policies provide HO-3-type coverage for older homes. With HO-8 policies, though, the homeowner receives insurance equal to the home’s market value or cost of replacement.

As for the costs of insurance in Fort Pierce, know that the insurance premium in Florida averages $1,103 per year. In recent years, Florida has had its fair share of disasters, leading to over $210 million in total property damage.

It’s time the insurance company gave you some benefits for the premiums you paid. Contact Merkury Public Adjusters to receive professional help with your claim!

Frequently asked questions

  1. Will I get more money if I hire a public adjuster?

In our experience, 9/10 cases where people hire public adjuster end with higher settlements for the policyholders. If the public adjuster is knowledgeable and professional, you can expect a total loss coverage for your property damage.

  • Why do I need a public adjuster to receive a justified settlement?

All insurance policies use technical jargon and ambiguous constructions. Moreover, new exclusions and coverage stipulations appear from time to time. If you’re not up to date with these changes, you might unwittingly file the wrong claim. Moreover, the claim procedures rely on specific steps and specific documentation to justify a settlement for your losses. Merkury Public Adjusters can help you file a successful claim in Fort Pierce!

  • Will the insurance company cancel my insurance policy upon hiring a public adjuster?

Hiring a public adjuster to represent your rights during the negotiations with the insurance company is a right given by the State of Florida. The insurance company can’t discriminate against you based on this reason.

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