5 Claim Tips from a Florida Public Adjuster

5 Claim Tips from a Public Adjuster

Properly losses such as fires and pipe breaks typically come without warning, will you know what to do when and if it happens to you?  On the other hand, hurricanes and other storm claims may come with warning but what happens next, after the loss.  Everyone agrees that after filing a claim you will expect your insurance company to pay the claim but do you know YOUR responsibilities after the loss?  Most people don’t have many claims and therefore do not have experience with how to handle an insurance claim.

As a Florida Public Adjuster, I am going to offer my 5 most important claim tips to help you avoid potential problems in the event that you suffer a loss whether from a fire, water damage, hurricane or any other peril.

Here are 5 claim tips from a Florida Public Adjuster:

  1. Personal Property / Contents – This can and usually is a complicated portion of the claim when you suffer a large loss.  Most of us do not hang on to every receipt for all of our contents and proving what you had can be a difficult task after the loss occurs.  I recommend putting together a detailed inventory list BEFORE you suffer a loss.  If you would like a copy of the form our public adjusters use you can download a pdf copy here.
  2. Photos – The saying that a picture is worth a thousand words can be changed to a picture is worth thousands of dollars in the event of a loss.  I recommend taking more photos than you think you will ever need of your contents as well as the condition of your home.  If you have a camera that offers a date stamp, use it.  When you have a claim the more proof of what you had and the condition is only going to make the claim go that much smoother.
  3. Invoices & Receipts – This is very important in areas that have have gone through hurricanes in the past several years.  If and when another hurricane rolls through an area that was already hit, it is going to create some confusion.  The insurance companies are not going to pay for the same damages twice and you may need to prove to them that you have already made the repairs.  I recommend scanning all important invoices / receipts for and storing them in a cloud based system so that you will be able to access them in the event that your home computer is damaged or missing.  I personally use and highly recommend Dropbox.com.
  4. KNOW YOUR POLICY!  Read and Understand your policy and what protection it offers you and what it does not offer.  Unlike all of the commercials we see everyday, all policies are NOT the same.  It is imperative that you make sure you have the right policy for you and your property.  If you are not clear on something now is the time to work it out with your agent, after the loss is too late.  Did you know that not all policies offer protection in the event of a water loss?  Read and understand your policy, you may be surprised at what you find out.
  5. When discussing the claim with adjusters and company representatives, only state facts that you know are certain.  Be kind and professional and choose your words wisely.  Do Not speculate and verbalize every potential scenario that may have led to the loss.  If they request a Recorded Statement or Examination Under Oath, seek representation as these could both be detrimental in the success of your claim.

Once you have all of these photos and documents together you want to make sure you store them in a place that will be accessible in the event of a loss.  I recommend dropbox.com.  They offer paid and free plans but best of all, it is easy to use. Many people store these documents in safes or back them up on external drives, this is fine but I do recommend having another copy off site as hard drives can break and safes can get stolen.

Being prepared will help avoid potential problems, expedite the claim process and likely increase your claim payment.  Don’t wait until it is too late, prepare now!  We offer a free claim consultation with a Florida Public Adjuster in the event that you suffer a loss.

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What our clients say…

  • Mark L. AvatarMark L.

    claim concepts did an excellent job for me. the insurance company didn't want to pay anything for damages. greg procured enough money to fix my house. - 4/19/2018 


    I had direct contact with Eric and Jesse and my experience with both of these professionals was exemplary. I observed a sincere desire on both their parts to assist me in anyway they could to obtain an acceptable settlement from my insurance carrier due to a roof leak resulting in extensive interior damage to one of my rooms as well as to my roof. Whenever I had a question or concern, both Eric and Jesse were there to answer those concerns. I am extremely grateful for their assistance in obtaining the insurance settlement that I received. I recommend Claim Concepts, unequivocally, for anyone in need of Public Adjusters. They are the epitome of professionalism, honesty and integrity. - 10/02/2018 

    Poh W. AvatarPoh W.

    My house caught on fire in late March 2019. Initially I tried to deal with insurance adjuster myself but it quickly became too much work for me to handle.Fortunately, my boss was in a similar situation and highly recommended me to talk to Claim Concepts. I contacted Greg Roover (the owner), we had a great conversation and contracted CC to be my public adjuster. I met with Eric Thomas (one of Greg’s associates, super friendly and professional) the next day to previewed my burnt house and went over logistic.4 months later not only did I got my insurance claim approved, Eric managed to get the full insured amount as well. Great Job Claim Concepts! I would highly recommend Claim Concepts especially if you find yourself in a fire or hurricane claim situation. - 11/02/2019 

  • Gary A. AvatarGary A.

    I was recommended when getting no where on my own with insurance company. They handled everything to completion with ease. Couldn't have done it without them. - 3/22/2020 

    Nancy F. AvatarNancy F.

    Due to a water pipe leak in between my first and second floor bathrooms, I sustained quite a bit of damage. All I knew to do was to contact my insurance company. They sent out a claims adjuster who looked at the obvious damage and created a claim that just fell short of my deductible. When looking for a company to repair the damage, it was becoming apparent that the damage could be more significant than originally quoted by the claims adjuster. That is when it was brought to my attention that there was someone out there who could support those findings and have my best interest in mind. That's when I found Claims Concepts. I had no idea that this type of business even existed. Insurance companies can be a bit intimidating, especially if you're not in the construction business. I called Claims Concepts and worked with Greg, who substantiated the information that there was more damage than the adjuster quoted. He took over from that point on and worked on my behalf with my insurance company, to make sure that all damages were properly covered. - 10/23/2017 

    Tyler F. AvatarTyler F.

    Chris and his colleagues worked tirelessly to get my claim taken care of.They are the best insurance company I have ever worked with. I truly appreciated the time he took to explain my policy to me and the steps we needed to take to complete my claim.I will highly recommend them. - 10/02/2019 

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