Property owners in Tampa are often too cautious to retaliate against their insurance companies in the slightest for fear of missing out on coverage or losing their policies. This is a common reason why some people may consider avoiding the use of public adjusters, but we’re here to reassure you that hiring a public adjuster is a safe and sure way to get what you are owed in Florida. Learn the truth by reaching out to Altieri Insurance Consultants Tampa for a consultation.
No, Hiring a Public Adjuster Does Not Negate Your Insurance Policy
Insurance companies in Tampa have no right to deny you coverage or cancel your policy just because you choose to hire a public adjuster. The role of a public adjuster is simply to represent you in a claim, and that is a right provided by the State of Florida that you are entitled to when looking for a fair settlement for your property damage claim. Now that you have your answer, it’s best to learn the specifics for a smooth claim. We’ll go over everything you need to know as your trusted team of public adjusters near you!
Why Insurers Must Comply With Public Adjusters In Tampa
Because public adjusters are licensed by the Florida Department of Financial Services (DFS), work under the guidance and authority of legal statutes and Administrative Codes, pass a rigid competency examination, are bonded, are background checked by the FBI, and must submit to a specified number of hours of Continuing Education each year. Public adjusters are there to represent you in a claim and, insurance companies have no leverage to argue against your decision to hire one. Nor can they drop your policy or deny you coverage for that reason alone. Any insurance company that attempts to retaliate against you for hiring a public adjuster in such a way can be a reason for legal action and can potentially be seen as fraudulent activity.
To review, public adjusters work for the policyholder, not the insurer. You are allowed to hire them to assist you with receiving a fair settlement for your property insurance claim in Tampa.
Beware of Losing Your Policy After Your Terms Are Up
After the end of your policy, there’s a chance that your insurance company may deny a renewal. Your insurer may use every excuse in the book to non-renew your policy after things don’t exactly go their way. Some of these reasons may include:
- An active claims history (too many claims filed)
- Increased risk of property damage
- Past disputes over policy terms
- Missed premium payments
- Discrepancies in past claims
Depending on how you look at it, getting locked out of a policy renewal may be a good thing. If you’re having issues with your insurance company, you could take this as an opportunity to find someplace with better coverage and customer service. You can always opt for a policy review in Tampa to make sure you’re in good hands after you swap insurers.
Know Your Rights After Hiring a Public Adjuster In Tampa
Public adjusters are required by law to be licensed and bonded for your protection. These experts undergo state tests to prove they’re worthy of representing you during a property insurance claim. While under the protection of a public adjuster, you are still able to communicate with your insurance company as yourself if there’s anything you want to get across during the process.
Even if you don’t put a word in, you can count on your team of public adjusters in Tampa to take care of everything on your behalf!
Having Insurance Troubles? Altieri Insurance Consultants Is the Partner Property Owners Rely On!
Don’t worry any longer. Reach out to Altieri Insurance Consultants Tampa for expert assistance you can trust for filing your property damage claim! Meet our team today and see that you are in good hands.
