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Do you have property damage and need to file an insurance claim? Was your claim denied or were you underpaid? We work for you, not the insurance company.
OUR MISSION: To be there for our clients in their times of need, to ensure that they recover the proper reimbursement for any damage caused to their homes or place of business. Our clients can rest assured that our team of industry experts will fight to protect their interest, and get the biggest return allowed by law on your claim!
The hurricane season in Florida is a time of year when it’s most likely for a hurricane to hit the state. The hurricane season typically lasts from June to November, and they can happen at any point throughout that period. These natural disasters can be devastating for those in the area, as hurricanes cause flooding and high winds.
Hurricanes are one of the most devastating forces on Earth, but what is it that causes them to cause so much damage? Hurricanes are formed when warm water near the equator rises to the surface and starts spinning, or when low-pressure systems form over warm ocean currents.
Hurricanes and tropical storms cause a lot of damage to property and people. Damage can be caused by flooding, wind, snow, ice, hail, tornadoes and wildfires. The frequency of these storms is increasing year after year as climate change becomes more prevalent. Hurricanes form as tropical waves move across the ocean and cool air from North America or Africa moves over the warm water to create high winds.
Hurricanes are powerful and devastating natural disasters. Hurricanes can cause a lot of damage and destruction to your property and other properties. These disasters could lead to loss of life, injuries, force evacuations, power outages, property damage, etc. Hurricanes can even destroy entire neighborhoods. This article will show you the different types of hurricanes and the damages they may cause to your property so that you can prepare before such an unfortunate event occurs.
Natural disasters are inevitable and can strike without warning. With the advancement of infrastructure and technology, we have been able to better prepare for natural disasters and help limit the damage they inflict. Hurricanes, earthquakes, and tornados can cause tremendous destruction and damage with hospitals, schools, households, and more all being affected by the aftermath. The cost of these natural disasters is staggering with billions of dollars worth of utilities damaged each year.
Every time a storm approaches, there is a good chance that your property will be damaged by high winds and falling trees. This is why it is imperative that you take the necessary precautions to mitigate the damages as much as possible.
Hurricane damage prevention tips are important for those living in hurricane prone areas. They can help you avoid experiencing a lot of damages and making sure that your house is safe for your family.
The following hurricane damage prevention tips should be followed at all times:
Make sure that your house is well built and secured to the ground with strong foundations.
Install good quality shutters, doors, and windows.
Cover all of the windows with plywood or plastic before a storm hits.
Put away outdoor objects such as lawn furniture, barbecue grills, gardening tools etc., from the yard to prevent heavy wind from lifting them up and creating more problems.
Turn off any power sources such as air conditioners or heaters before a storm hits because
Hurricanes are an intense form of natural disaster that can have a significant impact on both people and property. The following article looks at how to protect your home from hurricanes.
Hurricanes can cause a lot of damage to homes. They can break glass windows, blow the roof off, and even flip a house. Some before and after pictures show what hurricanes can do to a home.
The effects of Hurricane Irma are still being felt across the country. The devastation left behind by the storm has many residents feeling helpless and overwhelmed. It is natural to feel this way, but it is imperative to take steps to secure your home and family. The following checklist will help you prepare for the next disaster.
Make sure you have a safe place for your pets, including an emergency supply kit with food, water, bowls, leashes, medications and first aid supplies.
Take pictures of your belongings now so that if they are lost or damaged in a future disaster you will have proof of what was lost.
Assemble a supply kit with nonperishable food items such as canned goods or foods that do not require refrigeration as well as bottled water and necessary medicines
Moisture can be a major problem for homeowners. Not only does it make your house appear dirty and unattractive, but moisture is also a breeding ground for mold and bacteria. In this article, we will present you with 10 simple tips that will help you protect your house from water damage.
Check pipes and faucets for any leaks
Invest in an airtight drain
Install a water alarm
Keep a bucket on hand to catch leaks as they occur
Clean the roof regularly
Replace windows if necessary
Use waterproof paint on exposed walls or ceilings
The key to solving any water-damage problem is to act quickly. The longer the water sits, the more damage it will do.
Cleaning up water damage can be a daunting task, but it doesn’t need to be if you follow these simple steps:
If you’ve recently suffered a flood or water damage, it’s important to properly dry out the property before it’s too late. Mold thrives in moist environments. You can assist mold growth by keeping windows closed or keeping air conditioning on. If you notice mold growing, the first step is to kill the mold with an antimicrobial agent like chlorine bleach or Lysol® Disinfectant Spray. The next step would be to remove all porous
Mold needs to be treated quickly and aggressively. In order to prevent any future mold from growing, you will need to remove the source of moisture. Some signs of mold include the musty odor in your home, discoloration on walls or ceilings, and water-damaged areas in your home. After a flood or case of water damage in your home, there is a high chance that there is mold growing in your home. It is important to act quickly in order to prevent future mold growth. The first step when dealing with mold after a flood or case of water damage is removing the source of moisture if it’s not too difficult (such as drying up standing water). You should also check for any wet spots that may lead you to the source of the moisture that caused this issue.
Fires are one of the most devastating disasters that can happen to anyone. They can cause injury, death, and property damage in a very short timespan. Fires are caused by a variety of things including faulty electrical wiring, arson, or lightning strikes.
The process of restoring your home after a fire is long and difficult. It will be overwhelming for many people that are not prepared for the experience. This blog post will outline how to take the first steps in the process of restoring your home, which is typically conducted in five stages.
Don’t forget the photos and other valuables like jewelry or keepsakes. Make sure you have an inventory list of everything that was lost in the fire so you can keep track of what you need to replace or fix at a later date. Finally, contact your insurance agent to help with any claims or lawsuits that may arise from this disaster.There are some simple and specific solutions that can help reduce the risk of fire damage in your home. It is important to keep a clean cooking area and remember to never leave any food cooking unattended. Use the timer on your stove if it’s safe to do so.
Create a designated space for candles and incense. Keep them away from anything that is flammable, such as curtains, furniture, paper products, etc. Always make sure there is adequate ventilation when you burn these items.Always make sure any electronics near the fireplace is turned off or unplugged before opening it up to add more wood or logs with a match or lighter in hand. And don’t forget to use a screen guard on your phone!
Protect your home and finances from the devastating effects of a house fire. It is important to note that any person who owns a home should have adequate insurance. This can be done through a homeowner’s or renter’s insurance policy or a separate dwelling fire policy. If you are insured, then you will receive funds that will help you to rebuild your home and replace your belongings after a fire.
Smoke not only causes problems for firefighters who are trying to extinguish a fire, but the toxic gases it releases can be harmful to humans, animals, and the environment. It is known that smoke can cause serious respiratory problems in both humans and animals, while the toxic gas it releases damages vegetation and destroys buildings.
A fire can happen to any home at any time, with varying severity. However, there are ways to make sure that it doesn’t cause extensive damage to your property. These include installing smoke detectors, having a fire extinguisher near the stove or fireplace, and making sure you have working smoke detectors in every room of your house.
Mold is a type of fungus that grows in damp and dark areas. Uncontrolled mold growth may cause health problems such as coughing, sore throat, or irritated eyes. If you suspect that you have mold in your home, the first step is to get an expert opinion to identify the type of mold and recommend a course of action.
Mold is a natural organism that feeds on wet and moist surfaces in your home and can cause serious health problems if it’s not taken care of. There are many places where mold usually grows, but the most common spots are in your bathroom, kitchen, and basement.
Mold removal is a huge topic of debate. Some people believe that mold is an inevitable part of life and that there’s not much that can be done to prevent it. Others think that mold is toxic and should be removed immediately. If you’re in the second camp, then this article will show you the best way to clean up toxic mold damage in your house.
Mold is a type of fungus that grows on wet surfaces, and is known to grow just about anywhere. It’s most common to find mold in damp areas like bathrooms, kitchens, and basements.
There are many types of mold. The two main categories are black mold and other types of mold. Black mold is typically found in moist environments where there are high levels of humidity or moisture. Other types of mold are not always black but can be found in any environment with high levels of humidity or moisture.
Black mold is a type of fungus that can grow anywhere from your home or office to your workplace. There are many signs of black mold growth, but not all of them are easily identifiable. Some common symptoms include an increase in the presence of moisture in a space, a musty odor coming from an area, and water spots on surfaces that have been affected by the growth.
Signs and symptoms:
Mold releases spores that can cause irritation in the nose and throat, lead to allergies or asthma symptoms, and produce mycotoxins which have been linked to cancer, liver damage, kidney damage, neurological disorders, immune system suppression and a number of other health-related problems.
The question is whether black mold is toxic depends on the type of black mold. For example, some types such as Fusarium produce mycotoxins while others such as stachybotrys don’t need sunlight to grow, so it’s more likely to be a contamination issue.
We work strictly on a contingency basis. We do not get paid unless you receive compensation from your insurance company. Our fee is taken solely from the insurance check. Fees are based on a percentage of the settlement amount.
Floods are usually the result of heavy rainfall due to natural atmospheric conditions, such as monsoons. Floods can also occur when artificial systems, such as dams, break or leak due to human negligence or carelessness.
Types of floods include flash floods which occur when intense rainfall falls in a very short period of time and can come without warning, and coastal floods which are caused by extreme tides and waves.
Flood damage can affect your home, health, and the value of your property.
The following are some statistics about flood damage:
Homeowners insurance covers up to $1 billion for flood damages.
Mold is the most common result of flooding; it affects more than one third of all homes hit by floods.
Floods have been a major issue in the Florida for decades. The damage done by floods is physical, emotional, and financial.
There are many devastating floods that come with the potential to destroy lives and property. One of the most important things to do after a flood is to act fast. There are five key steps that you should take immediately after a disaster strikes.
If you’ve lost power, turn off all non-essential electrical appliances and unplug them. This will save your home from potential fires caused by overheating appliances.
If you’ve experienced flooding in your home, be sure to shut off everything that could cause gas leaks (e.g., cooking supplies).
Remove any wet clothing as soon as possible, especially if it has been in contact with dirt or debris – this is where infections can occur.
Homeowners insurance protects homeowners against damage to their property. However, it is not uncommon for the insurance to be void after a flood. This is because floods are not an accident and so homeowners should have thought about this before they bought the insurance.
A few simple steps can prevent your home insurance policy from being void after a flood:
Look for coverage that specifically includes you against water damage
Consider the cost of the premiums
Talk with your agent about deductibles, limits or other features that may be important to you
Floods are the most common natural disaster in the United States, can happen at any time, and can happen anywhere. The National Flood Insurance Program (NFIP) is the only national flood insurance provider to offer flood insurance for homeowners.
Oftentimes, when a homeowner’s coverage is voided by their insurance company, they don’t know what to do next. That’s why it’s important to make sure you understand your policy and what might void it before you ever suffer from a flood.
Roof damage can come in a number of different forms and can be caused by a number of different factors. A roof expert will tell you, however, that it’s important to be able to identify some of the most common signs of roof damage in order to make sure that such problems are addressed quickly.
The following are the signs that indicate roof damages:
Curled or blistering shingles
Leaking gutters or flashing
Roof deck exposed on one side
Chipped, cracked, or missing shingles
Roofing damage can be a serious problem, with many homeowners not realizing the extent of damage until it is too late. Luckily, there are ways to spot roof leaks before they get out of hand. This article will show you some common signs that your roof may have leaks or cracks in the shingles or flashing.
The following steps can be taken to assess and address roof damage:
Check for water damage on the ceiling or walls of your home.
Check for underlayment that has been damaged by water, usually indicated by black stains or mold growth.
Inspect the shingles closely to see if they are loose, curling up, or missing altogether; it is possible they have been dislodged by heavy winds or fallen trees in a storm.
Inspect the roof decking underneath the shingles for signs of rotting and make sure all nails and screws are tightly fastened and sealed with tar paper and caulking to prevent leakage into your home from above.
Make sure gutters are clean of debris that could have been
Roofing companies in your area can help with emergency roof repairs, storm damage, and other issues. In the aftermath of a hurricane, it is important to have the right people on the job to help you recover from damages. Emergency roofers will be there 24/7 to provide assistance with any type of structural or property damage that needs immediate attention.
There are many types of roof damage that residents in Florida should be aware of include:
Roofs with missing shingles or tiles
Holes in the roof caused by hurricanes or other natural disasters
Pipes sticking out from the roof, which can lead to leaks and flooding
Roofs that are heavily damaged due to old age
Roots of trees are more likely to cause roof damage than the trees themselves. Falling objects are often responsible for roof damage. One of the most common causes of falling objects is tree branches, which can easily fall onto roofs and cause significant damage.
Residents should make sure that they do not throw any object that could potentially strike the home’s roof from an elevated position.
Our houses are an important part of our lives. They are the place where we feel safe and comfortable. We spend years of hard work to save enough money for the house or to buy one. And when disaster strikes, it can change everything in a blink of an eye. The roof is important for safety and protection against the elements.
One of the most frustrating things for any business owner to come across is property vandalism. When it does happen, there are a few steps you can take to minimize the damage, such as removing graffiti as soon as possible and talking with the police.
The first type of property damage is vandalism. This can take many forms but usually involves spraying paint or other materials on the exterior walls, doors, windows, flooring, etc. It can also include graffiti or other defacing language.
It takes a lot of time and money to clean up after vandalism or property damage. This can be incredibly frustrating when you’re in the middle of an urgent project, trying to keep your business afloat. It’s important to know how to handle these situations before they happen, in order to save a lot of time and money in the long run.
It is a sad reality that vandalism is a common occurrence at many businesses. People typically do it for different reasons, from seeking revenge to attempting to get attention. The best way to protect your business from someone who wants to do you harm is to install CCTV cameras. To prevent property vandalism, you should also get strong locks and security grates for doors and windows, get a security system installed, or install an alarm system with motion sensors.
This experience has shaped our strategy to recover top dollar on your claim; it also works as a compass, used to help us navigate through a sea of legalistic hurdles, quickly and effectively! However, none of this means much without a culture of customer service.
We have an amazing, team of seasoned claim-handling professionals ready to help your case get resolved quickly and accurately.
Years in the industry, have provided solid knowledge of insurance company procedures and legal terminology.
Our unique Strategy has been designed to make the claim process simple, fast and convenient!
Before we present your claim to the insurance agencies, we take a detailed and comprehensive review of your insurance policy.
Nothing gets passes us, we carefully document the extent of your property loss and damages.
Our latest thermal imaging and drone technology can detect hard to find moisture.
Building a more effective case through the use of technology is one of the most effective ways to expedite the process of your claim. It can detect damages that just a few years ago were impossible to find!
Our level of customer support is what sets us apart, and keeps us in business.
We listen to our client’s concerns, and make every effort to address them.
Courtesy, responsiveness, punctuality are some of our core values. We try to live for them and expect our clients to love us for it!
Your claim profile is easily available to keep you informed on all updates pertaining to your claim.
When a disaster hits, Public Adjuster 4 You, will be there for you, offering our support.
Our company culture is centered around our client’s needs, and around the concept of customer satisfaction.
YES!
The best way to ensure that you get the maximum settlement from an insurance claim is to ensure that you file a detailed and complete claim.
As public adjusters, we have the required skills and experience needed to prepare such complex documents.
We examine the evidence and inspect the site, carefully documenting the details of your loss.
All of these efforts pay big when is time to get your money back!
An insurance claim adjuster is usually employed by the insurance company, when handling an insurance claim, these adjusters try to strike a balance between the interests of the insurance company and the policyholder.
Independent adjusters often tend to settle a claim for the amount that they deem appropriate, which is not always beneficial for the policyholder.
A public adjuster works exclusively for the policyholder who filed the insurance claim.
Our Public adjusters are seasoned experts in understanding the scope of your policy and the responsibilities that your insurer has towards you.
This vast accumulated knowledge is what allows our experts to negotiate for the maximum payout possible on your behalf!
Public adjusters typically take a small percentage of the settlement amount generated from your claim as fees.
It is however important to note that public adjuster fees are regulated by the Florida Department of Financial Services.
To learn more, contact our friendly staff.
Our services are often sought by private individuals, professionals, law firms, and even other insurance adjusters.
As long as you have faced a loss, and you are looking to file an insurance claim, you can hire a public adjuster.
There is no claim that is either too small or too big.
Give us a call so that we can discuss your potential insurance claim, after which we will provide you with our expert opinion.
When preparing your insurance claim, our public adjusters consult with engineers, claim appraisers and many other experts in order to develop the best strategy for your case.
Only after collecting, and meticulously examining, all the information do our experts complete the claim. We know that taking these steps will be instrumental in getting you the best payout from the insurance company!
The Public Adjuster are licensed, bonded and state regulated.
We strongly recommend you hire us immediately after you sustain a loss.
Involving us early will help us obtain evidence when it is still fresh, and also set the tone on how to best process your claim with other parties.
The sooner we start working on your claim, the sooner you are likely to receive your settlement!
Yes.
For an individual to act as a public adjuster, they must first hold a valid license and certification from the Florida Department of Financial Services. Regulated adjusters are usually mandated with ensuring that a policyholder gets maximum benefits during the insurance claim process.
No!
Under Florida State laws, you have a right to seek the advice and guidance of a public adjuster if you are looking to file an insurance claim.
It would be a serious violation of the law for your insurer to discriminate against you because you want to exercise your legal rights.
Yes!
In Florida, you are allowed for a few years to file a supplemental claim.
This legal document is available to folks who feel they have been shortchanged by their insurance company.
Our experts review and audit your claim in order to be able to provide you with the expert advice you deserve!
The State has put a cap on the total amount a public adjuster can receive. Keep in mind that filing of each claim takes some time and effort. The State requires that the total fee should be stated on the contract where the public adjuster and policyholder should sign. Most public adjusters handle services such as the following.
To get a public adjusters’ license, one must be fingerprinted and pass a background check, criminal charges are not tolerated and a person will be completely censured from applying for a public adjuster’s license. If a licensed public adjuster commits a crime, their license will be revoked and can be fined or jailed depending on the type of charge.
Public adjusters who have committed some types of felonies are barred permanently from applying for a license. For other types of misdemeanors or felonies, the applicant will be disqualified from applying for a license for a specified period.
There is a state code of ethics that regulates insurance companies, thereby banning gauging. Insurance companies frown upon hiring a public adjuster because they will end up paying more. However, they can’t increase your insurance premiums for such a reason. If the insurance premiums increase, it’s because there are a lot of claims filed in a single locality prompting the premiums to increase in the entire region.
Public adjusters who have committed some types of felonies are barred permanently from applying for a license. For other types of misdemeanors or felonies, the applicant will be disqualified from applying for a license for a specified period. Being permanently barred or disqualified from applying for a license is valid regardless of whether or not the person’s civil rights have been restored or if there was adjudication withheld on the case.
A person who commits a first-degree felony, a capital felony, money laundering, embezzlement or any felony related to financial services is barred permanently from applying for a public adjuster’s license. The same is also applicable to guilty pleas, convictions or nolo contendere please regardless of adjudication by any officer, applicant, director, partner, majority owner, manager or any other individual controlling the applicant.
There is a state code of ethics that regulates insurance companies thereby banning gauging. Insurance companies frown upon hiring a public adjuster because they will end up paying more. However, they can’t increase your insurance premiums for such a reason. If the insurance premiums increase, it’s because there are a lot of claims filed in a single locality prompting the premiums to increase in the entire region.
Insurance companies agree to pay the amount negotiated and are not defrauded. Don’t confuse the local agent with your insurance company, since they are different companies.
Insurance companies are billion-dollar companies that don’t need your allegiance or pity party, they are simply looking for your business. The local agents will sell a policy and collect a premium for the carrier and the two are completely separate companies. Public adjusters will build a case on your behalf as the policyholder using building codes, statutes and insurance information before presenting it to the insurance company. Next, the insurance company might try to refute the case just like a trial case in court.
The public adjuster and the insurance company will negotiate back and forth until they reach a fair settlement. Once they have decided on a settlement amount, the insurance company will pay out the money to you and your public adjuster.
It’s a simple process without any fraud or trickery. The insurance company will see the actual loss and agree to pay what you owe regardless of whether they like it. Insurance fraud is a very serious offense and public adjusters will not get away with it. If a public adjuster commits fraud, they will lose their license, face criminal charges and pay hefty fines. Also, they might be barred from applying for a license again, it’s not worth it!
Danielle McMiller, Public Adjuster
License #W458486
Tel: 772-302-9343 | Fax: 866-383-4530
888-389-3169