Fire damage in Miami real estate can be a devastating experience for a homeowner, notwithstanding on dealing with the aftermath of the fire damage and filing for an insurance claim is a time-consuming and labor-intensive process. It is a complicated process, but rest assured that you don’t have to go through it on your own. With the help of a public adjuster, it will lessen your burden as they will represent you on the negotiation process on your behalf and also file, document, and advice you on how to maximize your claim. Through this content, Alconero and Associates Public Adjuster in Miami provide you some tips when dealing with a public adjuster after home fire damage.
Make documentation before the public adjuster arrives
If it is already safe to do, complete a walk-through of your home before the public adjuster arrives. Take documentations like capturing pictures, make a master list of the damaged items, the price paid for the items, and if possible, find any relevant receipts.
Bear in mind that part of the insurance claim process is to have complete proof of loss documentation stating details of what is lost, creating the list, and including relevant information before the arrival of the public adjuster, which helps alleviate problems later on.
Read through your insurance policy and ask some question
You need to understand your policy coverage, endorsements, and limitations. They are crucial in maximizing your insurance claims faster. It is vital to read through your policy before the public adjuster arrives. Take note of the limits of your insurance policy to provide you additional details for specialty items or collections if necessary.
Verify Public Adjuster’s Identity
When your public adjuster calls to set up an inspection date and time, be aware by taking down their name and verify their identity upon arrival. It will prevent you from scams and frauds in the wake of the disaster. You need to confirm the identity of your public adjuster as a safety precaution.
Alconero and Associates Public Adjusters in Miami are certified appraisers in the State of Miami with more than 15 years of experience serving the Miami residents in any form of damages.
Complete the Walk-through with the Public Adjuster
It is imperative to be present for the appointment and completing the walk-through with your public adjuster after the house fire. You should complete the entire walk-through by accompanying the public adjuster and be sure to point out any issues or concerns you may have and don’t hesitate to ask questions.
It is essential to discuss any items of significance or sentimentality with your public adjuster. They are responsible for determining which items need repair and which require replacements. Keep in mind that taking a walk-through your home after a fire can be an emotional experience, especially when a lot of items hold personal significance ravaged by the fire damage in your Miami home.
Consider for a second option
Rebuilding your home after fire damage is a trying experience. If you are seeking assistance with an insurance adjuster and you are not satisfied with the estimates they provide, it is ideal to ask questions on how they determined the estimates. If you are not still contented and comfortable with the estimates they provide, hiring a public adjuster from a third party is a great option to explore. Bear in mind that the cost of hiring a public adjuster would be out of your expense and not shouldered by your insurance policy.
Alconero and Associates Public Adjusters in Miami ensure that you will have the maximum payment for property claims for property loss brought by fire damage. Our specialists in insurance claims are equipped with vast knowledge and years of experience and ready to work with you to get the maximum insurance claim.
How can Alconero and Associates Public Adjusters in Miami help?
If you are looking for a public adjuster that will guide you on your insurance claim, don’t settle for less and entrust Alconero and Associates Public Adjusters in Miami. Contact us through our hotline number +1 (305) 606-1000 today.
MIAMI PUBLIC ADJUSTERS
INSURANCE CLAIMS PROCESS
EXPERTS IN INSURANCE CLAIMS
We evaluate existing insurance policies in order to determine wha coverage may be applicable to a claim.
We investigate all detail, and substantiate damage to buildings and contents and any additional expenses. We also evaluate business interruption losses and extra expense claims for businesses.
We can determine values for settling covered damages. We will prepare, document and support the claim on behalf of the insured.
We negotiate a settlement with the insurance company on behalf of an insured, negotiating dollar values and if not able we continue to appraisal or mediation.
What is a Public Adjuster in Miami?
A public adjuster is a professional insurance claims manager. Public adjusters are hired to file, document, and advise on insurance claims. They also represent the insured during the process of assessing a claim’s worth and validity and negotiate with the insurance company in order to get the claimant the largest possible settlement. Essentially, a public adjuster is an advocate for the insured, ensuring that claims are correctly submitted and processed, and then working with the insurer in order to obtain the insured a higher payout.