Ask An Adjuster:
Assistance in Filing Insurance Claims
ATTENTION: You are submitting your information to AskAnAdjuster.com NOT directly to the insurance carrier. Our company represents homeowners and property owners to make sure they are compensated fairly for insurance-covered losses.
Insurance companies have adjusters who work for them. You have a right to have one working hard for you.
Filing a Claim – What You Need to Know
Homeowners insurance Companies Have Adjusters on their Side, Shouldn’t You?
Insurance companies are great. They make sure Florida area homeowners have coverage in the case of an unforeseen disaster. But they also are aggressive about watching out for their own ‘bottom line’.
This is why insurance companies employ adjusters to look out for the insurance company’s best interests, not necessarily your own.
At Ask An Adjuster we’re here to level that playing field, providing adjuster assistance when filing an insurance claim and fighting hard to make sure you and your family are justly compensated per the terms of your insurance contract.
Assistance Filing a Claim
Home Insurance Claims Help
Filing a Homeowners insurance claim can be a frustrating experience, with the answers you provide having a direct impact on whether or not a claim will be approved, denied, paid in full, or paid in part.
How to file a home insurance claim in Florida
Homeowners insurance typically covers both personal property as well as your belongings in the event of theft, vandalism, or damage (such as that caused by a fire or storm). In order to get reimbursed for such damages, you must file a Homeowners insurance claim.
Pro Tip: Most Homeowners insurance companies require a claim to be submitted no later than 12-months after the incident (the sooner the better).
Homeowners insurance Claims: How to File in Florida
- If appropriate, file a police report (your insurance company will require a copy in the event of theft or vandalism)
- Reach out to your insurance company’s support line
- Ask for claim forms
- Fill out the claims form accurately and truthfully
- Provide required documentation regarding the damage
- Take initiative to make temporary repairs to prevent further damage (this is your responsibility)
- Prepare for the adjuster (we can help)
- Get repair or replacement estimates from several area contractors
- Approval or denial process (up to the insurance company)
- If approved, receive a payout intended to be used for repairs
What is a Public Adjuster / Adjuster Assistance?
Insurance companies have their own ‘in-house’ adjusters that evaluate your property and provide information the insurance company will use to approve or deny your claim.
Given that they are paid by the insurance company, one might worry they have an unspoken bias towards protecting the insurance company’s best interests (and pocketbook).
This is why you would be wise to hire your own adjuster. A public adjuster is a licensed independent insurance professional that provides claims assistance and support, helping settle insurance claims and disputes.
Worried that Your Claim Might Be Denied or Insufficiently Paid?
We can help. Don’t let ‘big insurance’ push you into accepting a denial or payout that isn’t sufficient for repairs or replacement.
Our adjuster assistance services can head off issues with insurance claims, by:
- Putting together a comprehensive claims package
- Providing the insurance company with evidence-backed data and information about how much they should be reimbursing you
- Hand-holding you through the entire claims process
We Believe You Deserve a Maximum Settlement for your Claim…do you?
You pay a lot of money for insurance with American Automobile Association (AAA)…sometimes for years or decades without a claim. But when the time comes for your Homeowners insurance to be there for you, will it?
Many people are shocked to learn that their claim was denied or approved for a dollar figure that won’t fully cover costs.
Why Hire a Public Adjuster?
When it comes to filing a claim for damages to your residential or commercial property based in Florida, having a Florida public adjuster by your side is not just a great choice, but an educated decision. The public insurance claim adjusters at Ask An Adjuster, will work through your claim to get the best possible settlement for you…as easy as 1-2-3!
INSPECT – Your property and document damages
CONSTRUCT– Your claim package and tell your carrier how much you are owed
COLLECT – Your recovery so you can properly restore your property
Handling your own claim without a Florida public adjuster is like going to court without an attorney. You could do it, but without knowledge of the rules and procedures, you might be at a sizable disadvantage.
According to a study by the Office Program Policy Analysis and Government Accountability (OPPAGA), policyholders with public adjuster representation lead to higher average payments — sometimes considerably higher. The study’s example of the average compensation for 2005 hurricane claims in Florida were 747% higher when a public adjuster was involved.
