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When Should You Hire A Florida Public Adjuster

When Should You Hire A Florida Public Adjuster

When should you hire a Florida Public Adjuster?

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Before we answer that first it is important to know

Who Are Public Adjusters?

A certified public adjuster is an independent insurance professional that a policyholder may hire to help settle an insurance claim (commercial, residential, fire, water, wind etc.) on his/her behalf. Your insurance company should provide you a licensed adjuster at no charge to you, while they have no relationship with your insurance company they can charge a fee of up to 15 percent of the insurance settlement for his or her services. The adjuster cannot get you more money than you are entitled to under your insurance policy.

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Guidelines to selecting an Public Adjuster in Florida

  1. Know the facts after a major disaster. Your state’s insurance department may set the percentage that public adjusters are permitted charge. Be wary of public adjusters who go from door-to-door after a catastrophe.

  2. Check the references and qualifications of any public adjuster. Ask for recommendations from family and associates to build a list of capable adjusters you would like to move forward with. Make sure the adjuster is licensed in the state where your loss has occurred, and call the Better Business Bureau and/or your state insurance department to check up on his or her record.

  3. Avoid any public adjuster who pressures you and, as always, read your contract carefully to make sure you understand it all before you sign.

This is where Altieri Transco comes in

Altieri Transco professionals have been working claims for Florida property owners since 1988. Corporately based in Tampa, for the better part of the last three decades, our Florida State licensed adjusters have been a trusted partner of residential and commercial property insurance policyholders as their public insurance adjuster and loss consultant. Consider meeting with our team of Public Insurance adjusters if you fall under these criteria: 

      1. The damage is extensive. 

Severe property damage, commercial or otherwise, creates its own difficulties and when it comes to a variety of complicated claims issues. Altieri Transco can handle the claims that you are due under your policy and certain types of damages can often be missed. Certain expenses may also be placed in the wrong claims categories. Identifying hidden structural damage, valuing your loss properly and accounting for possessions and valuables can impact the value of your claim.

  1. You have no idea where to begin 

If you are unsure of your coverage turning to your insurance agent for clarifications can help. But if you cannot understand your policy, consider asking a public adjuster like Altieri Transco for help. Most reputable public adjusters will review your loss with no obligation. Thousands of business owners and homeowners have made the wise decision to seek professional help from Altieri Transco with their property claim immediately after incurring disaster.

  1. The insurance carrier appears to be delaying your claim. 

This often happens when major catastrophes create claims log-jams. In many cases we have seen insurance companies fly in adjusters from out of state who do not understand state law. In all states, insurance carriers are required to respond to you and process your claim in a specified time period. If you are getting the run-around, get help.

  1. The insurance carrier is trying to offer a quick payoff. 

Insurance company research shows that the quicker a policyholder gets paid-off the happier they are. Unfortunately, what appears to be great customer service can sometimes be an attempt to get rid of a claim and get you to settle for a lot less money that you are entitled to, due to the stress and desire to “get it over with.” It’s important to take your time and make sure you are protected , making the best decision in your situation. You should not be rushed or forced to sign anything until you understand the true impact of a claim you sign.

  1. According to your coverage, The insurance carriers settlement offer appears to be inadequate 

It’s unfortunate, however, insurance company adjusters and carriers do not always act in the best interest of their policyholders. They are in business to make profit, and may value damages to your commercial property differently than you. Or they may determine that you are not covered for some of the damage. Sometimes offers will not even approach the value of restoring the damaged commercial property or otherwise. This is where an expert who uses the same estimating software as the insurance carrier and understands insurance policy language can help.



 

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About The Author: Raymond A. Altieri, Jr.
Raymond A. Altieri, Jr. - Chairman & CEO

As a property insurance claims professional since 1980, Mr. Altieri leads the firm at Altieri Insurance Consultants in all matters of property claim adjusting and community outreach. His decades of property claim adjusting experience assure the firm’s clients they are well represented, whether they have suffered a multi-million-dollar commercial loss or have lost their home.

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