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Frequently Asked Questions
Q. Why should I hire a Public Adjuster when my insurance company has already assigned me an Adjuster?
In Miami, Orlando, Tampa, Naples and throughout Florida, the story is the same: hiring a licensed public adjuster results in a substantially larger claim payment. In fact, a 2009 survey by the State of Florida found that there was a 747 percent (over 700%) increase when an adjuster was hired at the start of the claims process.
Why is there such a large difference?
The answer is simple: a public adjuster represents business owners, condominium associations and homeowners – not the insurer. It’s like hiring a tax lawyer or accountant who can advise you on the best course of action and act as your professional advocate, rather than asking the Internal Revenue Service (IRS) to do you a favor and audit your return! Most owners are as unfamiliar with the intricacies of a typical insurance policy as they are with the Internal Revenue Code. It’s important to understand that a public adjuster can help you at a time when you are most vulnerable – in the hours and days after a loss to your business or property. And since public adjusters are compensated on a contingency basis, there is no upfront cost for their services.
Once you engage a public adjuster, you can expect to receive expert advice about what you are entitled to under Florida law and your policy. The public adjuster can also help you with the business planning process by advising on the likely size of a settlement and when that money is likely to arrive. A public adjuster can also recommend a contractor, engineer or other building professional to help determine the accurate damage to your property ensuring a fair compensation. The Insured is ultimately the final decision maker on any professional ultimately hired to repair the damages regarding any claim.
Q. I’ve already received a settlement check from my insurance company and it was not enough, should I call you?
- Absolutely! Insurance companies underpay their customers everyday. Call us today for a free consultation of your insurance claim.
Q: Why work with a Public Adjuster? A: The insurance companies have experts on their side – so should you. A survey by the State of Florida found that there was a 747 percent increase when an adjuster was hired at the start of the claims process.
Q: What does a Public Adjuster do? A: ALL-Lines Insurance Adjusters will identify, quantify, and establish the full extent of loss to your home or commercial property from wind, fire or water with your insurance company. We will package and present the claim to achieve a favorable recovery.
Q: How much does it cost me? A: There are no upfront costs. ALL-Lines only collects when you get paid.
Q: When should I call a Public Adjuster? A: Now. The sooner we get involved, the better your chances are for recovering more from your insurance claim.
Here’s what you can expect a public adjuster to do on your behalf:
- Fire and smoke damage claims
- Flood claims
- Wind damage claims
- Water damage claims
- Mold claims
- Vandalism claims
- Earthquake claims
- Hurricane claims
- Explosions and collapses
- Commercial claims
- Residential claims
- Business interruption claims
- And much more
How much is your claim really worth? Says who? Do you want a claims adjuster who is paid and employed by your insurance company to determine this value?