WE OVERTURN DENIED CLAIMS

PUBLIC ADJUSTERS WITH EXPERIENCE

We are experienced working as insurance adjusters on behalf of insurance companies and witnessed firsthand their inner workings. We took this experience and became a powerhouse for policyholders with their claims. We understand mistakes can happen with the insurance companies.

Let us be your advocate and properly present the evidence effectively

 

We understand how stressful it can be having a denied claim and facing to pay large amounts for your home repairs.

The insurance company does not always complete a thorough investigation. We are here on your side to take your claim to completion. We do a proper investigation and look for common mistakes insurance adjusters overlook or their guidelines undervalue. 

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 DENIED CLAIMS PROCESS

This is a general claims procedure for previously denied claims. We cannot guarantee coverage of your claim. If we are unable to get your claim covered, there is no fee.

  1. With a completed inspection, analysis and signed Letter of Representation we request the Determination Letter and any relevant documentation/reports from the insurance company. (What is a Letter of Representation?)

  2. We organize our photos into a detailed visual report of damages and draft an estimate for recovery. With our help, the policyholder will complete a notarized Proof of Loss and submit all documents (What is a Proof of Loss?). In many cases, the insurance company may be willing to discuss settlement by our report alone.

  3. We, or the insurance company, may request a reinspection of the property with an adjuster, contractor, engineer or other entity which would meet with our licensed Public Adjuster. Per Florida Statues, the insurance company has up to 90 days to review and issue a Determination Letter (What is a Determination Letter?). If coverage is afforded we will request release of all undisputed amounts and work to negotiate additional recovery until we all reach an agreement.

  4. We, or the insurance company, may request mediation for your claim. Mediation is a non-binding process where a neutral third party acts to encourage and assist in the resolution of a dispute without dictating the outcome. The insurance company and us may or may not receive a resolution in mediation.

  5. In many cases the insurance company may be found acting in bad faith. It is not uncommon for policyholders to use an attorney in their homeowners or commercial claim. An attorney may assist in filing a Civil Remedy Notice or Lawsuit among other documents (What is a Civil Remedy Notice?). If escalated to litigation, the attorney may use our estimate and detailed report in the lawsuit along with other licensed professionals, such as, engineers, estimators, appraisers, etc. The Public Adjuster could be requested for deposition to discuss your claim to the opposing counsel so it is imperative to have a bonded and licensed Public Adjuster who knows what they are doing.

  6. Regardless of the direction of the claim, our firm will continue to represent the claim to completion. We work on contingency only and receive compensation when the claim is paid over and above the deductible. If we can’t get a recovery, there is no fee. CLICK HERE TO SIGN UP or CONTACT US FOR A FREE INSPECTION

Public adjusters cannot offer legal advice; any legal questions should be discussed with a licensed attorney.