Helping our clients close their claims faster and for more money from the insurance company.
When a fire occurs, the initial concern is that everyone occupying the property is safe and out of harm. In Florida, fire damage can occur at any time resulting from a variety of different causes such as defective wiring, gas leaks, lighting, appliance failure, smoking, candles, curious children, barbeques, flammable liquids, Christmas trees, and heaters.
According to the National Fire Protection Association, approximately 300,000 – 400,000 thousand home structure fires occur annually in the U.S. Every 24 seconds, a United States fire department responds to a fire somewhere in the nation. The primary cause of the residential fire is found to be attributed to cooking equipment-related issues. The aftermath of residential fire damage can leave homeowners and other property owners with the stress of facing extremely difficult and complex decisions. Issues related to property damage of items such as drywall, flooring, insulation, HVAC systems, and other interior finishes are just some of the many concerns one should have when dealing with fire and smoke claims.
WHAT TO DO AFTER A FIRE LOSS
- Obtain the case number from the Fire Department and request copies of the Fire Report
- Ensure that your local fire department has determined that the building is safe for entry
- Take interior and exterior photos of your home and personal property, If possible, make a list of the damaged property.
- Do not let anyone enter your property without your consent and make sure to secure your when leaving
- Try to obtain a copy of your insurance policy and important documents
- Provide prompt notice to your insurance carrier of the damages
- Contact PRIME PUBLIC ADJUSTERS FOR A FREE CONSULTATION AND PROPERTY INSPECTION
WHAT OUR TEAM OF PUBLIC ADJUSTERS CAN DO FOR YOUR CASE
Every insurance policy is different, and each contains its own terms, conditions, limitations, and exclusions. Understanding these provisions can be difficult to anyone especially when you are simultaneously dealing with the aftermath of fire damage.
Our team of Public Adjusters will handle every step of the Insurance claim process from the beginning to the end so that don’t have to worry about doing anything. we carefully review your policy to determine if the fire damage is covered and investigate, examine, evaluate and thoroughly document the damage to your home and its contents. We help you identifying the hidden damages that may cause later problems, which may have been missed by your insurance company’s adjuster. We provide a full proof of loss to help maximize the amount you are entitled to recover from your claim. And we negotiate that claim on your behalf to ensure just that the insurance carrier doesn’t underestimate your claim.
WHEN DO YOU NEED TO HIRE A PUBLIC ADJUSTERS?
Here are several examples of situations when you should consider about hiring a Public Adjuster to handle your Fire claim.
- When your insurance company is trying to deny your claim
- When your insurance company insist that the damages to your home are not severe
- When your insurance adjuster is actively misrepresenting their scope findings
- When you don’t know how much damage your property has sustained from the fire
- If you believe your claim was underestimated and underpaid
- If you received the Reservation of Rights letter from your Insurance carrier
- If the Insurance company is demanding you to participate in an Examination Under Oath
- If the Insurance Adjuster has given you a Proof of Loss form to fill out or sign
- If your insurance carrier sent you a letter stating that your claim is currently under investigation or has been ruled a suspicious
- If you Insurance claim examiner is not providing you with an update of your claim within a timely manner
HOW MUCH WOULD IT COST TO HIRE A PUBLIC ADJUSTER?
Many public adjusters do not charge a fee to visit the site of a loss and determine whether they will work with a policyholder on a case. However, they do charge a fee for working with a policyholder to file a claim. Typically, a public adjuster will charge a percentage of whatever a policyholder’s insurance carrier ultimately pays for a claim.
The fee percentage varies between adjusters and is usually capped by local state law. For example, in the state of Florida, fees cannot exceed 20% of a reopened or supplemental claim limit. There also is a 10% fee limit for claims resulting from events named a state of emergency by Florida’s governor. The Public Adjuster also might negotiate a lower percentage fee for large claims.
WHY YOU SHOULD I HIRE PRIME PUBLIC ADJUSTERS?
We are a true team of professionals that will exhibit both experience and empathy while seamlessly guiding you through the insurance claim process. We will explain every step and details to you so that you are fully aware of what will be happening in your property. Additionally, we may request experts reports such as engineers, architects, accountants, and appraisers to properly adjust and prepare your complex claim.
Let our Public Adjuster represent you throughout the entire claim process and secure the highest settlement.