Public adjuster in miami
26 May

Many insurance claims are denied every year. There can be several reasons for the denial, but they mainly happen due to specific exclusions in your insurance policy. However, there can also be some other reasons leading to the rejection of your claim. In such a scenario, it is a good idea to take help from a Public Adjuster in Miami to help you out.

Let us check out some of the common reasons that insurance companies use to deny your claim!

  • Intentional Damage Or Lack Of Maintenance

If your insurance company thinks that the damage was due to negligence, intentionality, or criminal activity, your claim might be rejected. Moreover, you are responsible for fixing the regular wear and tear in your property. If the damage is caused by failure to maintain your property promptly, you might have problems getting your insurance claim approved.

  • Exclusions Or Cap In The Policy

Some insurance companies have exclusions, such as flood damage or other excluded events. While others might have a cap of $10,000 or $5000. In any case, your insurance company will only offer you the compensation up to that fixed amount in such a scenario.

  • Non-payment Of Premiums

Insurance companies are very strict about their premium policies, so if you fail to pay your premiums regularly, you might get your insurance claims rejected.

  • Delays In Filing The Claim

There is usually a limit of 30 to 60 days to file a claim depending on the insurance agency. Hence, you must file your claim within this limit to make sure that you get the claim that you deserve.

  • False Statements

You must have legitimate claims and give the details with accuracy and honesty; otherwise, your claim will be rejected.

  • Shortage Of Evidence

There are several cases of fraud in the insurance sector. Therefore the insurance companies are cautious about the claims filed. Hence, it is a good practice to offer a lot of evidence in the form of videos, photos, or other proofs to get your claims approved. If you face problems getting your claims, you can use the services of a good public adjuster in Miami, such as Alconero and Associates Miami Public Adjusters.

  • Not Updating Your Insurance Company About Changes In the Properly

If you made significant changes in your property, such as having a rental unit, installing a swimming pool, starting a daycare, etc. and did not inform your insurance company, your claim may get rejected. The policy and the type of insurance may change if you have such activities as opposed to merely living in the house with no additions.

You must remember that if your claim is denied, get in touch with a trusted Florida Public Adjuster such as Alconero and Associates Miami Public Adjusters. They have immense experience in the field and can get your claims approved.




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?

public adjuster is a professional insurance claims managerPublic 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.