Public Adjuster Fort Lauderdale
Fort Lauderdale is a gorgeous city situated on Florida’s east coast. It’s where many spring breakers go to party hard and have a good time, and also where families from across the country go on vacation. For local residents, it’s like being on vacation all year round.
Of course, the property owners of Fort Lauderdale have to worry about bad weather and other problems that might damage their homes. Every Fort Lauderdale property owner should have a homeowner’s insurance policy that covers different kinds of property damage.
Unfortunately, insurance companies go out of their way to deny insurance claims, especially high-value ones. An insurance claim denial is more likely to occur if you don’t have professional representation by your side throughout the claim process.
That’s why you should hire a professional Fort Lauderdale Public Adjuster, like the ones you’ll find at Merkury Public Adjusters. We’ll have your back every step of the way and ensure that you’re paid what you’re owed for your claim.
Types of Property Damages
There are different categories of property damage. Your insurance company will treat each type of property damage differently. Hopefully, your insurance policy covers these common types of damage, which will mean you have a legal right to seek compensation for them if they occur:
Water Damage – The potential result of a hurricane, flood, leaky roof, or burst pipe. Water damage is much more serious than you might think. It has the potential to destroy your entire house structure.
Theft Damage – Burglars and thieves might damage parts of your home when they break into it and steal things. With a good insurance policy, you can receive compensation for the value of the stolen items and damages.
Why You Need a local Fort Lauderdale Public Adjuster
You might not think you need a public adjuster, but it is better to be safe than sorry. If you’re dealing with a claim worth a lot of money, you don’t want to run the risk of a claim denial. It can be very difficult to reverse a denied claim.
Hiring a public adjuster makes the claims process much easier for the policyholder. You don’t have to negotiate with your insurance company on your own or risk getting fooled by their tactics. A public adjuster is trained to understand insurance policies and policyholder rights. There’s no chance that your insurance company will try to trick you into a smaller settlement if they know you have a public adjuster on your side.
Contact Merkury Public Adjusters
Are you ready to discuss the details of your property damage or insurance claim? If so, then schedule an appointment with Merkury Public Adjusters by calling (561) 670-7838 or by contacting us here. You’ll receive a free consultation on our services and learn more about how we can help you get the settlement you deserve.
How long do I have to report a property damage loss in Fort Lauderdale?
Florida law requires property owners to file a claim with their insurance company within four years of the date when the damage first occurred. If a property owner waits longer than four years, then an insurance company does not have to accept their claim.
If you file your claim within those four years, your insurance company must respond to it within 14 days and let you know that it has been received. The insurance company will let you know which documentation and other materials they will need from you to process your claim.
What is the process a Fort Lauderdale Public Adjuster follows when filing a claim?
When you first contact a public adjuster, you will schedule an appointment to meet with them. The public adjuster will want to talk about the details of your claim and the damage your property incurred. You will also learn about how the public adjuster service works and the potential outcome you can expect for your claim.
If you decide to hire the public adjuster, they will want to start their investigation into the claim more seriously. They’ll analyze your insurance policy, property damage, claim documentation, and other related evidence regarding your claim. Once all the evidence is collected and reviewed, the public adjuster will negotiate with your insurance company and try to agree on a fair settlement for the claim.
What is the difference between a public adjuster and an insurance adjuster?
An insurance adjuster works for the insurance company. They are sometimes called a claims adjuster. The job of an insurance adjuster is to investigate property damage and income loss claims. They will want to take pictures of the damage and review all related documentation about the incident, such as police reports and fire reports.
An insurance adjuster will basically try to help the insurance company pay as little money as possible to the policyholder by looking for discrepancies in the claim that was filed. A public adjuster, on the other hand, does not work for the insurance company. Instead, they are an independent adjuster hired by the policyholder to help protect their interests. The public adjuster conducts a separate investigation into the property damage and gathers evidence to support the legitimacy of the policyholder’s claim.