Guide to Selecting a Hurricane Damage Public Adjuster in Boca Raton
Boca Raton is a stunning coastal city in Florida. Unfortunately, the hurricane season does not usually spare Boca Raton from heavy winds, tornadoes and stormy weather that cause substantial property damage. Hurricanes have the potential to destroy most or all of your home.
In any case, your Florida homeowner’s insurance policy should have adequate hurricane damage coverage. However, don’t assume that your insurance company will be quick to pay your hurricane damage claim.
Due to the amount of damage caused by hurricanes, it is a high valued claim that insurance companies don’t like to pay. They will look for any excuse not to pay it or to pay you less than your maximum coverage limit.
For this reason, you need to hire a public adjuster in Boca Raton who specializes in hurricane damage claims. They can help you file such claims and negotiate with your insurance company for the compensation that you’re entitled to receive.
Here is how you can find the best hurricane damage public adjuster to represent you in Boca Raton.
1) Hurricane Damage Experience is a Must
A hurricane damage insurance claim might possibly be the biggest insurance claim you will ever file. You cannot afford to hire an amateur public adjuster with little to no experience in managing hurricane damage claims. Otherwise, they probably won’t be successful in negotiating a fair settlement with your insurance company.
Look for a public adjuster with at least 5 to 10 years of experience in managing hurricane damage claims. If their company has been in Boca Raton for a long time, then it is even better.
2) A Good Reputation is Essential
Finding an experienced hurricane damage public adjuster is good, but it doesn’t mean they are great. Even an experienced public adjuster can have a reputation for delivering poor customer service to their clients. That is why you must research your local public adjusters carefully and choose one with an outstanding reputation.
A good reputation is earned by satisfying a high number of clients with their hurricane damage claims. Check out their client feedback and reviews on the internet to get a good sense of how well they perform for their clients. This should tell you everything that you need to know about them.
3) Make Sure They Follow the Law
Public adjusters have to follow certain laws in Florida. For instance, a public adjuster is not allowed to contact property owners until 48 hours after they’ve suffered damage to their property. Of course, a property owner can contact a public adjuster whenever they want, but not the other way around. Public adjusters are legally required to wait 48 hours.
If a public adjuster contacts you within 48 hours, then they are not following the law. A good public adjuster will always follow the law. For this reason, you should also verify the license status of the public adjuster too. The State of Florida requires all public adjusters to possess an insurance license. Check out their license status on the Florida government website.
4) Remediation Companies Are Bad
Remediation companies might seem like a good way to avoid the lengthy process of an insurance claim, but do not fall for it. Remediation companies charge a lot more money than public adjusters, so please understand the difference between the two.
Public adjusters work with your insurance company to negotiate a fair settlement. Contractors don’t like dealing with insurance companies, so they will pressure you to sign an agreement with a remediation company to get the insurance company out of the equation. As a result, you will lose a lot more money from the settlement.
5) Seek a Free Consultation
Ask for a free consultation from the public adjuster that you want to hire. A good public adjuster should be more than willing to conduct an initial evaluation of your hurricane damage for free. After that, they should offer you advice on the best way to proceed forward.