Fire Damage Public Adjusters Miami
Statewide Public Adjusting Services have years of experience advocating for homeowners and business owners. Our public adjusters are the most respected, reliable and are industry leaders when it comes to fire damage insurance claims in Miami Dade, Broward, Palm Beach county & the entire state of Florida. We are simply the best option to get you the maximum insurance claim settlement you deserve. Our fire damage public adjusters in Miami are licensed, bonded & insured in the state of Florida. Our company license number is #W211582 and can be verified here.
How To Find The Best Fire Damage Public Adjusters in Miami or Near You
We suggest beginning your search with fire public adjusters in your area. For example, you might use the keywords “Fire Damage Public Adjusters Miami” or “Fire Public Adjusters Near Me” to find relevant businesses. It is helpful to search locally because you will have the assurance that your property falls within the company’s service area.
We recommend you read testimonials/reviews.
Great service leads to great reviews! As you consider different Miami fire public adjusters, take the time to browse their testimonials. If the business does not feature testimonials on their website, you can often find them on review sites like google, Yelp and Yellow Pages for added peace of mind.
Statewide Adjusting® is a 5-Star Google Rated company. We are a small public adjusting company dedicated to giving you the personal attention you deserve and you will not simply be just another client. We ensure complete customer satisfaction guaranteed so you know you are getting the best.
Check the credentials.
Unfortunately, unscrupulous companies may attempt to take advantage of homeowners after a fire incident. One of the most common scenarios occurs when homeowners contact a local contractor or remediation/restoration company. Fraudsters may offer to fix your property and manage your insurance claim. It is illegal for a person to engage in the practice of public adjusting without proper licensing from the Florida Department of Financial Services.
As a homeowner you have to be wary of anyone who pressures you to sign over your settlement check or sign open work authorization forms such as an AOB (assignment of benefits) this is a perilous situation because your insurance provider may refuse to pay ‘unreasonable’ repair bills if they do not approve the estimate. In extreme cases, this could lead to a construction lien being placed against the property.
Dealing with the aftermath of a fire can be a challenging experience for any homeowner. However, navigating the insurance claims process alone can be confusing, and it is important to understand what your policy covers.
there are different stages of filing a fire damage insurance claim and some strategies to help you determine whether your particular incident will be covered by your insurance policy. Following these fire damage insurance claim tips below will help you manage the aftermath and make sure you are doing everything in your power to remedy the situation as quickly and effectively as possible.
Fire Damage Insurance Claim Tips
1. Alert local authorities & secure your property.
Whether you are dealing with a small residential house fire or a massive fire in a commercial property, you should almost always contact your local fire authorities immediately. As soon as the fire gets out of your control, evacuate the premises and do not enter your home or business unless it has been declared safe by an official.
Once you have permission to enter the property again, try to mitigate the damage as best you can. In more severe cases, the authorities (fire department) may suggest that you call in a professional restoration company to assist with securing your property.
During the claims investigation, your insurance provider might ask for proof that you took “reasonable care” of the property immediately after the fire. “Reasonable care” could refer to anything from covering holes in your roof to boarding up your walls, windows and doors to prevent pests and thieves from entering the property.
At this stage, do not throw away anything. Even if your belongings are unsalvageable, presenting them to the insurance company’s adjuster helps bolster your claim. The value of some of your items may even be reimbursed as part of your policy.(in most cases). The only things you should remove from your home at this point, aside from family members and pets, are important medications as well as documents such as birth certificates, insurance policies, credit cards, etc.
2. Evaluate the cause of the damage.
Once you have safely evacuated the premises and secured your property, it is time to determine whether your fire damage claim is likely to be covered. Usually, the best way to know whether or not you are covered is to identify the cause of the fire.
Common causes include electrical fires, power surges, faulty cooking equipment, smoking, candles, faulty wiring from appliances, Christmas trees and wildfires, In cases where the source cannot be easily identified, a fire investigation may be take place and a report could be produced. In such cases, make sure to maintain any information or documentation that you receive from the authorities. While most of these situations are covered, fire insurance claim coverage varies on a policy to policy basis.
3. Consider whether you need a Miami fire public adjuster near you.
Public adjusters are independent adjusters hired by homeowners/policyholders to represent them in their dealings with their insurance company. Typically, public adjusters handle cases of significant property damage and negotiate on their clients’ behalf to make sure they are paid what they are owed by helping recover the maximum value.
Some cases are straightforward, making the claims process quick and simple, while others can be more complex and tedious. Not every homeowner’s insurance claim requires a public adjuster’s help, but if you think you might face challenges in the claims process, do not hesitate to contact our Fire Public Adjusters in Miami FL.
4. File an insurance claim.
Contact your insurance company as soon as possible after fire damage occurs. While all insurance policies are different, most insurance companies (insurer's) require prompt notice, and significant delays could constitute a breach of contract. We suggest getting in touch with your insurance company as soon as possible so as not to disqualify yourself from being able to submit a claim or worse case for your fire damage claim to be denied.
5. Track living expenses.
If you need to relocate during the home restoration process, track all your expenses as much as possible. Most homeowner’s insurance policies have a “loss of use” clause and or endorsements, which could entitle you to reimbursement for living expenses while you are out of your home. Your policy should also cover additional living expenses (ALE) which are any new costs that you have had to assume since your property sustained fire damage.
6. Negotiate an insurance claim settlement.
Insurance claims can remain open for months. As frustrating as it is, try not to let the insurance company rush through the settlement process. They may try to pressure you into settling for an amount that is insufficient to cover your damages simply because they know you want the process to be over. (We recommend NOT to sign any documents such as a (Release).
Statewide Adjusting® Best Fire Public Adjusters Miami
If you choose to work with our Miami fire public adjusters, we will manage and take over the negotiations on your behalf, allowing you to focus on your physical and emotional recovery. Going back and forth with insurance companies can be an exhausting process, particularly for those without experience.
As the best local fire damage public adjusters in Miami and nearby areas, our primary objective is to get you paid every dollar you are owed under your current insurance policy. Our Miami Public Adjusters at Statewide Adjusting® specialize in fire/smoke damage insurance claims and provide assistance and expertise with estimating fire damage costs and guiding the entire fire claim settlement process to ensure policyholders obtain the best insurance claim settlement after a fire damages their property.
Contact Statewide Adjusting® today for a FREE fire damage insurance claim consultation at (305) 244-4247 to find out how we can assist you and answer any questions you may have. We're Available 24/7.
Get The Settlement You Deserve
At Statewide Public Adjusting Services our values, experience, reputation, honesty, integrity and great character is what makes us different. You can trust our fire damage public adjuster to help you guide you through the claims process and make sure that your claim is settled the way it should be, to benefit you and NOT your insurance company.
Gustavo Garayburu, President. Florida PA Lic# W211582.
Gustavo Garayburu, President. Florida PA Lic# W211582.