If you have had a total loss of your home or even major house damage, you are in a situation that can be frustrating and anxiety-inducing. You have to file an insurance claim and then deal with the resulting process, which can take months, at best. This adds even more stress on top of a situation where you are already exhausted. Hiring a public adjuster in Miami can make the process easier. Here are some of the things a public adjuster wants you to know about the process.
Don’t Settle for Less
Many people who have gone through the process of a major insurance claim begin to reach the end of their rope and just want it all to be over. That might mean these individuals setting for far less than the amount they deserve to end the process. Don’t do this. Make sure you get what you are owed and don’t rely on replacement costs after the fact to make up for things.
After a substantial disaster, your insurance company may bring in extra adjusters to take care of claims. Not all of those people are going to be aware of local costs. They won’t know the building codes or how much plumbers in your area charge. An adjuster from Ohio won’t understand the nuances of Miami and might way underpay you as a result.
Don’t Cash That Check Yet
Have you received a check that is marked “full and final settlement?” In some states, this is illegal. In others, it may only be frowned upon. Before you head to the bank and cash that check, you should speak with a public adjuster in Miami. They can let you know what you’re entitled to and what will happen if you place that check in your bank account. Don’t take the risk, make sure you are doing the right thing.
Hiring Public Adjusters
When you hire a public claims adjuster, you put yourself on the same field as the insurance company is. In some cases, the insurance company will have more than one adjuster working your case, which can make it even more confusing. With your adjuster on your side, you have someone to explain the process and who can work on your behalf. They can handle the phone calls, emails, and meetings associated with a major claim.