Public Adjuster Miami
A Miami public adjuster, like those at Merkury Public Adjusters, is your best assent when it comes to fighting insurance companies to get a fair settlement for your home damage. Merkury Public Adjusters is available to handle all types of property insurance claims in Miami. We have many years of experience negotiating with insurance companies and earning fair settlements for our clients.
We understand that home ownership is a big responsibility in Miami, because you have to maintain the condition and value of your home at all times. You must prepare for the possibility of an accident or storm occurring that could damage your property. If you’re not prepared, it could spell huge financial trouble for you.
If your insurance company denies your claim or offers you less money than you think you deserve, we will work to reverse their decision and get you a better deal. All you have to do is give us a call after your property has been damaged. One of our public adjusters will let you know the next steps to take.
A local Miami Public Adjuster can help with several types of property damages
Bad weather is the most common cause of property damage. However, it can also be caused by people or general wear and tear.
Let’s look at some examples of property damage:
Water Damage – There are many ways for your property to suffer water damage. You could have a burst pipe, leaky roof, or faulty appliance. In extreme situations, extreme weather might cause floodwater to damage your home. Make sure your insurance policy covers water damage, because not all policies do.
Theft Damage – If someone breaks into your home and damages your property or steals your possessions, your insurance policy might cover those damages. If you can prove the value of the stolen property, then your insurer might compensate you for the losses.
Fire Damage – Fire is a destructive force that can occur when you least expect it. A fire might be caused by faulty electrical wiring or appliances. Or you could be the victim of an arsonist. In any case, your insurance policy will compensate you for the fire-related damages.
Hurricane Damage – Miami is a beautiful city with a lot of excitement. Unfortunately, it is often hit by hurricanes. You can expect your Miami property to be in danger of a hurricane at least once per year. If it suffers any type of hurricane damage, your Florida-based insurance policy will likely have extensive coverage for it.
Roof Damage – Your roof is the most vulnerable part of your home. It can be damaged by strong winds, fallen tree branches, fallen trees, animals, or simply old age. If you don’t repair your damaged roof in a timely manner, it could lead to leaks and eventually water damage. Most insurance policies cover roof damage, because the insurance companies realize that roof damage can lead to something worse if it’s not repaired immediately.
Why You Need a Public Adjuster
A public adjuster is an experienced professional who will be on your side during the insurance claims process. They will gather evidence, ask questions, and negotiate with your insurance company to ensure they pay you the highest settlement possible.
This is a luxury you won’t get if you rely on the insurance company’s adjuster. Their adjuster has the insurer’s interests at heart, not yours. However, a public adjuster will always put your interests first. If you’re dealing with severe property damage worth many thousands of dollars, you’ll want to ensure that your insurance company will pay you every penny you’re owed. A public adjuster is the best person to ensure that this happens.
Contact Merkury Public Adjusters
Merkury Public Adjusters is a premier public adjuster company in Miami. Our range of insurance claims experience ranges from direct property damage cases to business income loss and insurance claim denials. We’re confident we can help you get your insurance claim approved so you can repair the damages promptly.
Why should I hire a Miami public adjuster?
You should never handle a property insurance claim by yourself. Insurance companies like to take advantage of policyholders by either wrongfully denying their claims or paying them significantly less than what is owed to them. Many policyholders have limited knowledge of their rights and what their policy covers, and insurance companies use this as an opportunity to save themselves money on claims payouts.
A public adjuster represents the best interests of the policyholder, not the insurance company. Unlike the insurance company’s adjuster, a public adjuster works hard to make sure the policyholder is given the highest settlement amount allowed under their policy. If you work with the insurer only, they will try to give you the lowest possible settlement.
How much does it cost to hire a Miami public adjuster?
Public adjusters charge a commission fee anywhere between 5% and 20% of the total insurance claim settlement. The exact percentage of the commission is based on the extent of the damage and the value of the claim. You won’t have to pay more than 20%.
Do I pay a public adjuster up front?
Public adjusters do not charge any money up front for their services. You only have to pay when your insurance claim is approved and a settlement is paid. Otherwise, you don’t owe anything. Upon approval of the insurance claim, you’ll be charged a commission fee based on the total settlement amount.