Public Adjusters in Broward County
What Makes Broward County's Insurance Problems Unique?
Cities in Broward County along the Atlantic coastline (like Fort Lauderdale, Pompano Beach, and Lighthouse Point) are surprisingly prone to flooding. Even outside of hurricane season, eastern Broward County's flood zones can be unforgiving, and flash floods happen almost every year. Just take a look at this flood-damaged home in Hollywood.
West Broward has to deal with flooding as well, but cities like Parkland, Coral Springs, Weston, and Pembroke Pines are more likely to suffer from windstorm damage.
Hurricanes, tropical storms, tornados, and even just strong winds can cause major issues to roofs and windows. And right now, insurance premiums are rising while the extent of your coverage is shrinking. Many carriers are moving policyholders to higher hurricane deductibles, and others are creating new deductibles in their policies (such as a separate windstorm deductible or roof deductible) specifically to pay less on covered wind damage to your home.
If your policy has these higher deductibles, there's no recovering that extra money from your insurance company in the event of a legitimate claim. But you're paying your ever-increasing insurance premiums for a reason. If you need to file a claim, shouldn't you get what you're owed? What can you do to get your dollar's worth from your insurance policy?
WE'RE YOUR BROWARD COUNTY PUBLIC ADJUSTERS
We work directly for you, unlike the insurance carrier's adjusters. Being licensed by the state of Florida requires having a required amount of training and experience. Our public adjusters serving Broward County are fully licensed and bonded, which means you can trust that we have the skills necessary to stand up to your insurance companies.
We pore over everything the insurance company adjuster found and make sure they didn’t lowball anything. Subtle differences can add up to large discrepancies. We also can demonstrate to your standard property insurance company (which usually doesn't provide flood) whether or not your damages are flood related. Oftentimes, your insurance company may erroneously pass off your wind damages as a flood loss, which could result in wrongful denials. Our documentation can be used to appeal the insurance company’s decision.
We also fight for you when the carrier is applying the wrong deductible. On more than one occasion, our clients' insurance companies have applied their hurricane deductibles to tornado losses despite not having a separate tornado/windstorm deductible in the policy. This can potentially cost you thousands of dollars from your claim if left unchecked.
However, just like hiring a lawyer means that companies know they can’t just push you around, having a public adjuster on speed dial signals to insurance companies that you have professional knowledge on your side. That means when our public adjusters negotiate or appeal on your behalf, carriers are often motivated to take you more seriously and be less stingy.
Public adjusting exists so that property owners have the opportunity to have their interests fully represented. Finding the right public adjuster is like finding the right doctor or lawyer. You need someone who is skilled and professional, but also someone you feel comfortable working with.
We do more than just crunch numbers; we take the time to fully assess and document your property damage, and then communicate with you in clear terms so that you know where you stand at all times.
Free Document Reviews, Free Inspections, No Obligation.
Our public adjusters are dedicated to helping you across Broward County. That's why we work with you to see what your options are before you ever have to sign the dotted line.
We offer free claim reviews, policy reviews, document reviews, inspections, the works. Whatever documentation you have, we're always happy to take a look and provide our opinion, free of charge and with zero obligation. Don't send us anything you don't feel comfortable sharing, but the more information we have, the more assistance our team can provide.
We'll review anything you have to share, but the most helpful and information-dense documentation typically includes:
- Policy Details: Your complete insurance policy or declarations page.
- Damage Evidence: Photographs, videos, or other records of property damage.
- Repair Estimates: Invoices or assessments from contractors or repair companies.
- Correspondence: Communications with your insurance carrier, including emails and letters.
- Adjuster Reports: Estimates, reports, findings, and adjusters worksheets from the insurance company’s field adjusters and other inspectors.
Reach out to us today at (754) 778-5678 to learn more about how we can help with your insurance claim!
Areas We Service Include:
- Coconut Creek
- Cooper City
- Coral Springs
- Dania Beach
- Davie
- Deerfield Beach
- Fort Lauderdale
- Hallandale Beach
- Hollywood
- Lauderhill
- Lighthouse Point
- Margate
- Miramar
- Oakland Park
- Parkland
- Pembroke Pines
- Plantation
- Pompano Beach
- Sunrise
- Tamarac
- Weston