Written by admin on October 26, 2022 at 9:42 AM.
When living in South Florida, you should familiarize yourself with public adjusters when disaster strikes. If you’ve been affected by a natural disaster and your property has suffered hurricane damage, severe weather damage, or tornado damage, you may need to hire one. Here’s everything you need to know about Palm Beach County Public adjusters.
A Public adjuster is a professional insurance adjuster that can help you file a property damage claim with your insurance company and get the compensation that you deserve. What sets them apart from your typical insurance adjuster is that they work for you, and not the insurance company.
This distinction is important as a property owner because, unlike other adjusters, they have your best interest in mind, not the insurance company’s. When performing an estimate of damages they see to it that you get the biggest payout possible, no minimum payouts.
To become a Palm Beach County public adjuster, an individual must pass a written exam and complete a training course. They must also be licensed to work in Palm Beach County and its various cities like West Palm Beach, Boynton Beach, Delray Beach, Riviera Beach, Juno Beach, Deerfield Beach, Palm Beach Gardens, and Lake Worth. Those licensed by the state will have a current certificate that you can verify online when doing your research.
All Florida Public Adjusters must follow a strict Code of Ethics put forth by the state (via MyFloridaCFO.com) For example:
These codes, among others, ensure the Florida public adjuster works solely with your best interests in mind and sees no further gain outside of their agreed rate.
A public adjuster can only be hired after damages occur. You cannot hire one in anticipation of damages from a hurricane, for example.
This is because public adjusters work on behalf of the policyholder, not the insurance company. Therefore, they cannot get involved until after a property damage insurance claim has taken place.
Should your property suffer storm damage, flood damage, water damage, mold growth, or wind damage after a hurricane or severe weather event, you should contact a public adjuster and provide them with a copy of your insurance policy and any other proper paperwork.
This will help simplify the entire process with insurance companies after property damage occurs. They will then review your policy and help you determine what coverage you have.
When searching for a public adjuster, it’s important to find one who is experienced in handling claims similar to yours. Should you have suffered roof damage, try and find one who specializes in roof damage claims. The same can be said for fire and smoke damage, water damage claims, mold damage, loss claims, and other types of damages. Many Public Adjusters have specialized fields and it’s one thing you want to take into consideration before hiring one.
To ensure you get a fair settlement, you should always consider hiring a Palm Beach County Public Adjuster when beginning the insurance claims process.
Professional adjusters are experts at negotiating with insurance companies. They know your coverage and ins and outs of the claims process. They will work to get you the money you deserve. In some cases, they can even get you paid by your insurance provider more quickly.
In some cases, they can get over 700% more than offered by your insurance carrier according to an OPPAGA study.
Whether you’re a homeowner or a business owner, it’s best to look into hiring a public insurance adjuster should your home or commercial property suffer any type of damage.
If you are a business, consider finding a public adjuster familiar with commercial business policy. Commercial insurance policies are different from residential and they will be familiar with the unique coverage that businesses need.
Public adjusters who specialize in residential claims will typically have experience dealing with homeowners insurance policies.
No matter what kind of property or type of coverage, Stellar Public Adjusting is the leading choice for Public Adjusters in the state of Florida. Our professional team of experts can help you when disaster strikes your property.
We help to make sure you get the maximum settlement and deal with insurance companies with your best interest in mind. We’ll make sure you get your money for repairs and replacements.
Please contact us or give us a call at 877-838-6870 and we’ll get you in touch with your dedicated claim representative. We’re open 24 hours, 7 days a week, and are ready to assist you.
Friendly staff and work really hard to get what you deserve. I appreciate everything they did for me. Thank you again.
HIGHLY recommend Stellar Public Adjusting! Meticulously and professionally handled our claim, and stood by our side throughout the entire process! Thank you!
Worked with Stellar on a project involving a kitchen flood. They were always there to help & answer all the questions I had – and they reached a fair settlement with my insurance for me. I probably wouldn’t have gotten half of what I did without them! I’d easily recommend them to anyone needing a Public Adjuster.
Glad I hired them. Stellar Public Adjusting assisted in my water damage claim in my condo from my neighbors pipe. They really know there stuff when it comes to claims. They obtained way more than my insurance company initially offered. A very professional company.
David has done multiple claims for our real estate company, as well as for myself and friends. Always exceeds expectations. Highly reliable, and completely on top of his game. Highly recommended.
I have full confidence in the team at Stellar and do not recommend that anyone file an insurance claim without them. The insurance company is not on your side and they are not a good neighbor.
Stellar is on your side and they are in the neighborhood. Call them immediately when damage happens.