SW FL Homeowners: Hire the Best Reviewed Public Adjuster in Florida for Your Insurance Claims
The devastation from Hurricane Ian has many Southwest Florida homeowners, from north of Sarasota FL down to Fort Myers, FL in need of the best public adjusters for their insurance claims. However, many impacted by Hurricane Ian don’t realize that insurance companies will often deny, delay, or underpay property insurance claims.
Homeowners should be aware of their rights and know their policies to get the help they deserve. The best way to avoid being in the situation of not knowing whether your insurance company is paying the claim in accordance with the homeowners insurance policy, is to educate yourself on your policy and know what it covers, in relation to the Florida state statutes, such as Florida’s matching state statute quoted below, and not just take the insurance carrier’s word on these disputes. You should also be familiar with the different types of coverage, such as wind and water damage – and what to do if you feel your claim has been wrongfully denied.
When a loss requires replacement of items and the replaced items do not match in quality, color, or size, the insurer shall make reasonable repairs or replacement of items in adjoining areas. In determining the extent of the repairs or replacement of items in adjoining areas, the insurer may consider the cost of repairing or replacing the undamaged portions of the property, the degree of uniformity that can be achieved without such cost, the remaining useful life of the undamaged portion, and other relevant factors.
If you find yourself in a situation where your insurance company is denying, delaying, or underpaying your hurricane damage claim you will need a public adjusting firm that is seasoned and resourced enough to go toe to toe on negotiating a just and fair insurance claim settlement. As the best public adjusting firm in Florida, as our online reputation speaks to that with high ratings across the board, we have a proven track record of success in getting insurance companies to pay out on claims. We know the ins and outs of the insurance industry, and we’ll fight tooth and nail to ensure you get the compensation you deserve.
Why Insurance Companies Deny, Delay, or Underpay Claims
There are several reasons why insurance companies may deny, delay, or underpay claims. Let’s look at some of the most common methods that they use to lowball or deny valid claims:
Insurance Claim Denials
The first way that insurance companies will try to avoid paying out on a claim is by denying the claim outright. They may do this if they feel that the damage is not covered by the policy or if they feel that the damage is not extensive enough to warrant a payout.
For instance, consider a situation where your Florida home is damaged by a severe storm or hurricane. The insurance company may deny the claim if they feel that the damage was not caused by the storm directly – but by pre-existing conditions with your home.
In other cases, the insurance company may try to argue that the damage is not covered by your policy. That is why it’s critical to have an experienced public adjuster to come and inspect your property based on what is best for your interest and represents your side of the claim negotiation process, and fight on your behalf to get you the settlement that is fair for you.
Insurance Claim Delays
Another common tactic used by insurance companies is to delay paying out a claim. They may do this in the hopes that you will become frustrated and give up on the claim altogether. And it works – many homeowners will simply give up on their claim rather than fight to get what they deserve.
There are several ways that insurance companies will try to drag their feet on paying out a claim. They may ask for additional documentation that is not actually
required, or they may misplace the documents that you have already submitted. In some cases, they may even try to negotiate a lower settlement amount.
If you fear that your insurance company is delayed in processing your claim, the best thing that you can do is to bring on Noble. A public adjuster is a licensed professional representing policyholders in their interactions with insurance companies. They will work on your behalf to ensure that your claim is processed quickly and efficiently.
Insurance Claim Underpayments
Finally, insurance companies may try to lowball you on the settlement amount. They may do this by using their own adjusters to assess the damage, who usually underestimate the cost of repairs.
In other cases, they may try to convince you to use their preferred vendors, who often charge higher prices for inferior work.
This can become a headache for homeowners who have paid into their policy for years only to find that they are not receiving the total amount they are entitled to. To rebuild, many are left with no other choice but to pay out of pocket.
Check Out Our Reality TV Show, “Insurance Wars”
A lot of what we do appears on our hit TV show “Insurance Wars”. We created this show to shed light on the actual battle between the insurance adjuster and the public adjuster to settle a claim for our clients. “Insurance Wars” allows clients to share their personal stories of their life being turned upside down after being affected by natural disasters, and in desperate need of help and advice. The misconception of public adjusters gets proven false after Noble interjects the expertise and knowledge our employees provide.
Enlist the Largest, Fully Staffed, Public Adjusting Firm in SW Florida to Work on Your Insurance Claim
