Getting fair coverage for property damage in Miami should not be controversial. You pay a premium and you should receive coverage.  And yet, to a policyholder’s detriment, the Florida Office of Insurance Regulation (OIR) is cooperating with certain insurers to further strengthen a carrier’s leverage and advantage in the claim process against policyholders. Becoming aware of this travesty in advance of having a claim will help you be prepared to get what you are owed when recovering from a disaster.

Altieri Insurance Consultants Miami is the partner property owners rely on for dependable public adjusters near you!

How Insurance Companies Are Limiting Your Rights As a Policyholder

It’s been proven several times over that property owners often get better settlement offers after hiring reputable, professional public adjusters in Miami and throughout the state of Florida. Of course, success for the individual making the claim comes as an expense to that insurance company.  Some experienced adjusters for insurance companies actually welcome the involvement of professional public adjusters and proclaim them to be beneficial in the overall claims process due to a public adjuster’s familiarity, credibility, and accurate analysis.  But those adjusters and carriers who put profits over fairness may think otherwise.  In these cases, rather than adjust a claim in a fair and transparent manner, those insurers are now trying to eliminate a policyholder’s right to hire their own adjuster – a public adjuster- to represent their interests in a claim.

Insurance companies in Florida are adjusting their policy terms to include limitations related to the hiring of public adjusters who operate outside of their own staff. Policyholders will be prevented from hiring public adjusters to assist in their damage claims under threat of claim denial through what is now known as the Anti-PA Endorsement.

What Is An Anti-PA Endorsement?

The limitation that we just described is commonly referred to as an “Anti-PA Endorsement.” This endorsement leaves a policyholder naked and alone to navigate a major property claim with their insurer, without the ability to hire professional help in preparing and resolving their claim.  The endorsement eliminates a policyholder’s right to hire public adjusters who are licensed by the state to perform this service for those who choose to hire them.

This endorsement often appears in an insurance policy without notice or explanation. Or it comes under the guise of a premium reducing mechanism.  A wolf in sheep’s clothing.  The proposed premium reductions are very minor in nature, but if you do not expect to have a claim it just may be enough to get an unsuspecting person to give up this valuable right to professional expert assistance without truly knowing what they just have ceded.

So then, the question remains: Are you allowed to hire a public adjuster in Miami?

Yes, You Have Legal Rights As a Policyholder!

In Miami, and throughout Florida, policyholders have the right to hire a public adjuster to represent them when filing a property damage claim. Insurance companies may try to deter people from hiring help with policy terms and damage evaluation; however, they should never prevent it.

If your policy currently has the Anti-Public Adjuster Endorsement, or it is placed into your policy renewal package, contact your agent to have it removed or seek another carrier who would not go to such lengths to limit your ability to collect on a claim before you even have one.

The point of a policy agreement is to identify and uphold financial protection. In many cases, additional restrictions like Anti-PA endorsements are a tall-tale sign as to the adversarial service you can expect from an insurer who would insert such hostile language into their policies against their policyholder.

Important note: Contact a trusted public adjuster if your insurer attempts to limit your right to seek assistance or if you are presented with policy terms that include anti-PA endorsements.

Why You Should Consult With a Public Adjuster Today

You don’t have to wait until you have a claim dilemma to reach out to a public adjuster. Before anything else happens, these insurance experts can perform a policy review and provide advice as a means of pre-loss planning.

Exercise Your Right to Hire a Public Adjuster In Florida. Reach Out to Altieri Insurance Consultants Miami Today!

At Altieri Insurance Consultants Miami, we advocate for every policyholder’s legal right to fair coverage. Meet the team of reputable public adjusters that will fight by your side. Call (813) 247-4757 for a consultation!