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The South Florida public adjuster is a professional hired by an insurance policy holder. He or she handles every detail of a claim arising from fire, water damage, storm damage, flooding, mold damage, sinkholes, or any other type of damage that results in a homeowners' insurance claim. Public adjusters complete detailed estimates of what is actually required to repair or rebuild your property after it has been damaged. One of the main reasons insurance settlements fall short is because the typical homeowner doesn't know how to determine what's needed to put the property right again and accepts the estimate provided by the insurance company's adjuster. Help You with Inventory Preparation Your Hollywood public adjuster helps you prepare an inventory of your damaged property, including contents that were damaged or destroyed. Homeowners work with public adjusters to document damage in detail and determine how old the damaged property is. The adjuster then takes this information and makes an accurate estimate of the current values of damaged items. If the homeowner has photographs, video, or receipts for damaged property, it's easier to make a good estimate of resulting losses and to receive an adequate settlement from the insurer. Help You Calculate Time Losses Time losses are costs to you due to, for instance, your home-based business being interrupted, loss of rental income from a damaged rental property, and living expenses (such as staying in a hotel) incurred due to damage to the property where you live. Insurers are known for downplaying these expenses, significantly underestimating, for example, lost rental income on a damaged South Florida property that you rent to vacationers. Public adjusters help property owners make the best possible case for time losses incurred due to property damage so they can actually receive the coverage they have paid for with their premiums. Bring in Experts if Necessary Some claims are more difficult than others when it comes to dealing with insurance companies. Water damage in particular is tricky due to clauses in the fine print of insurance policies. A South Florida public adjuster knows how to understand your insurance coverage for water damage, and is prepared to bring in engineers and other experts to help you document it properly and maximize your settlement. Water damage can cause problems even after the water is removed, including mold problems which can present health risks to some people. Help You Get the Best Possible Settlement Facing a major homeowner's insurance claim without the help of a public adjuster is similar to going to court without the assistance of an attorney. While you do pay for the services of an adjuster, in general you will receive a much more generous settlement, even after adjuster fees are considered. Remember: insurance companies have an interest in paying out as little as possible on claims. But you have paid for coverage through your insurance premiums, and it is only fair that you receive the coverage you have paid for. Calling a public insurance adjuster is the best way to maximize your insurance settlement after suffering property damage. If you have a water claim in Hollywood, public adjuster experts can make the process a whole lot easier. They will give you a detailed estimate, help with inventory, calculate your losses, and get the best estimate possible. For a South Florida public adjuster you can trust, go to uscfl.com.
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