CLAIM CONCEPTS - FLORIDA PUBLIC ADJUSTERS
The Office of Program Policy Analysis & Government Accountability (OPPAGA) an office of the Florida Legislature performed a study on the Public Adjusters. In this study, they evaluated disaster claims filed with Citizens from March 2008 to June 2009. The results were astounding. In regards to hurricane-related claims, they found that policyholders that utilized the services of a Florida Public Adjuster recovered an average of 747% more than those without a public adjuster in Florida. Furthermore, they found that for daily disaster claims such as water and fire damage and other disaster claims, policyholders that utilized the services of a licensed Public Adjuster in Florida surety recovered an average of 574% more than those that were not represented or were represented by someone other than a public adjuster.
These results speak for themselves. Don’t allow the insurance company and their adjusters to dictate the outcome of your claim, we are here to help! Call 855-216-5323 today for your complimentary Insurance Claim Consultation with a licensed and bonded Florida Public Adjuster or simply fill out the form below and one of our Licensed Florida Public Adjusters will contact you shortly.
In the event that your home, business or boat suffers damage whether due to Fire, Water, Lightning, Wind, Hail, Tornado, Vandalism, Hurricane or Sinkhole, We Can Help! You do not have to sit back and allow your insurance company and their adjusters to dictate the outcome of your claim. As Public Adjusters, we work for you, NOT the insurance company. Our #1 goal is to ensure that you are fully and properly compensated for your loss while relieving you from much of the stress and aggravation that is often associated to handling your own insurance claim.
We are here to assist all types of businesses including: Condominium Associations, Building Owners, Real Estate Investors, Landlords, Temples, Churches, Shopping Malls, Strip Malls, Restaurants, Hotel, Motels, Gyms and any other type of property that may have been damaged. We can assist with not only the property damage portion of your claim but also with any other losses to your business suffered due to the loss including Business Interruption and Fair Rental Value of your damaged property.
Our job at Claim Concepts it to help people like you. Our passion and expertise is to put an accurate dollar value on your loss and relentlessly fight to recover it from your insurance company. We don’t work for the insurance company, we work directly for you with ONLY your interests in mind…let us fight for you!
As the Public Adjusters we are the ONLY adjusters exclusively licensed to represent the interests of the Policyholder. We work for you, not the insurance company. Our Public Adjusters are Insurance Claim Experts that know how to properly present your loss in an effort to recover the maximum settlement for your insurance claim. There are no upfront costs for our services as we work on a contingency fee and therefore only get paid when you get paid.
At Claim Concepts, we truly do work throughout the entire state of Florida. As I write this, we have active claims in the Florida Keys as well as in Destin, FL which is in the Western Panhandle, along with numerous other claims scattered everywhere in between.
As Public Adjusters, we are used to a life on the road, it comes with the territory. If you are trying to find the closest Public Adjuster to your property, you will significantly limit your options as there just are not that many of us.
Some Florida Public Adjuster firms will only work in a small radius around their house or office while others, like us, will handle claims anywhere within the state. If you search for – Public Adjuster Near Me, don’t be too concerned over the location of the firms that show up, if they are showing in your search, they likely handle claims in your area. What you should be concerned about is their experience, proven track record and what their past clients have to say about the results they were able to achieve.
Florida Public Adjusters
A Florida Public Adjuster is the ONLY person, other than an attorney that can represent your interests during the claim process. Although your roofer or contractor may be advising you that they can help you with your claim, this action is illegal as it is considered UPPA or the Unlicensed Practice of Public Adjusting. Our team of the Public Adjuster will fight to recover the maximum settlement for your loss!
Appraisal, as referred to in the insurance claim process, is an alternative dispute resolution process available in some Florida Policies. Our Insurance Appraisers exclusively represent Policyholders through the Appraisal process. If you find yourself in the appraisal process or considering it, give us a call and we can discuss your case with a qualified Insurance Appraiser.
Florida Loss Consultants
As Florida Loss Consultants we offer property damage estimates, evaluations, inspection reports, photos and can discuss any special requests depending on the case. Our loss consultants include licensed Public Adjusters, past insurance restoration contractors, insurance company adjusters, home inspectors and mold inspectors. We will ensure that all losses are fully and properly documented.
FL Hurricane Damage Claim
Insurance Claims for Hurricane Damage require an experienced professional to properly assess the damages as much of the damage is not visible to the untrained eye. As Experienced the Public Adjuster, we know how to properly evaluate and document your hurricane damage claim to ensure you recover a timely & equitable settlement for your claim. Call today and speak with a licensed the Public Adjuster about your Hurricane Claim.
FL Fire Damage Claims
Insurance Claims for Fire Damage are always complex as the damages go far beyond what is visible to the untrained eye. Our the Public Adjuster know how to properly investigate, estimate and ultimately recover the maximum settlement for your Florida Fire Damage Claim. Don’t settle for less than you rightfully deserve, call for your free claim review with our the Public Adjuster today.
FL Water Damage Claims
Insurance Claims for Water Damage are the most common of claims that our the Public Adjuster handle. As the Public Adjuster we have extensive knowledge of how water can damage your property and know how to properly document and present these claims in order to recover the maximum settlement available under the policy. We utilize tools & technology that allows our Florida Public Adjuster to see what the other adjusters miss.
FL Mold Damage Claims
Insurance Claims for Mold Damage are complex in nature as most policies both exclude and add back Mold coverage as an endorsement. How these claims are presented could easily mean the difference of being paid fairly or having your claim denied or severely underpaid. Aside from being a the Public Adjuster, the owner of Claim Concepts is also a Florida Licensed Mold Assessor which is instrumental in recovering the maximum settlement for Mold Damage Claims.
Peace of mind! We are here to represent you and your interest in the claim. Unfortunately, insurance companies often times deny claims that should be paid or do not pay enough money on a covered claim. This is not always the case and even when it is it may not be intentional. I know that most adjusters have the best of intentions but sometimes they may be inexperienced or simply trained to see things one way, the way the big insurance company wants it to be seen. As Public Adjusters our number one job is to get you the largest settlement available to you under your policy with the insurance company.
NO. By state law we as Public Adjusters are not allowed to represent the insurance companies. We can only represent the insuring public.
The public adjuster is employed by you, the insured. Their function is to represent your interests and ensure that you recover the proper settlement for all of your losses per the terms of your insurance policy. The insurance company’s adjuster works for the insurance company and is responsible to protect their interests throughout the claim.
Public Adjusters typically work on a contingency basis which equals a small percentage of any money recovered by the insurance company.
NO! This is NOT required under any policy that I have seen to date and I do not recommend it. In the event of a loss it is best to employ a Reputable Public Adjuster that knows what the policy will cover and what it takes to get your property back to its pre-loss condition. Many contractors will provide you with a competitive bid to make repairs but not necessarily get your property back to its pre-loss condition.
No. In most cases we can reopen your file with a supplemental claim. There are many factors involved. Give us a call and we will be happy to offer you a free claim consultation.
Not necessarily. It is not recommended to file a claim every time you spill a glass of water as you may become classified as a nuisance claim maker. Property insurance is typically rated based on your area which is why all homeowner rates increased in Florida after the hurricanes, whether you filed a claim or not. The risk is more related to the area where your property is located and in commercial situations the use of the property. However, it is known that there are databases where claim activity is logged and each insurance company may have their own stipulations based on claim activity of the individual or the property. Ultimately, you buy insurance to protect you in the time of a loss. If you are debating whether you should file a claim or not, please feel free to call and speak with one of our Public Adjusters about your particular situation, we are always happy to help.
Do not do anything before having a qualified Public Adjuster or Attorney take a look at your file. Depending on the way everything is written you may be agreeing to their offer by depositing the check. We do not charge anything to come out and evaluate your particular situation.