Fort Lauderdale Public Adjuster Knows How to Do More With Less

While a South Florida public adjuster can help you maximize success of your homeowners' insurance claim regardless of who writes it, they advise Floridians to be wary of the "takeout" offers those with Citizens Property Insurance Group are currently receiving. These policyholders must opt out within 30 days or be automatically switched to one of the "takeout" companies. Do your research, and brace yourself for higher premiums.

Non-Catastrophic Claims Account for Most Rate Hikes

Florida homeowners are paying around twice as much for insurance than they did six years ago. Claims are up by around 17% over the past ten years, and much of this is due to non-catastrophic water damage claims and increasing claims from sinkhole losses. If you're facing a homeowners' insurance claim, contact a Fort Lauderdale public adjuster to help ensure you get the coverage you have paid for.

Know Your Coverage and Tax Relief Options

If you have uninsured casualty losses, speak with your tax advisor, because you may be eligible for some tax benefits. But whether you've suffered losses or not it is important to understand your coverage. Reading and understanding your policy isn't easy, but you should make the effort. Knowing what you are and are not covered for can spare you from unpleasant surprises if you should need to make a claim.

Be Careful of Assignment of Benefits for Repairs

You're smart to work with a Fort Lauderdale public insurance adjuster before signing any contracts for repair or reconstruction. If a contract assigns insurance benefits without your name being included on the check, be wary. Open ended contracts can extend your financial obligation beyond what you get from an insurance settlement. A public adjuster can help you understand settlements and reconstruction contracts.

What "Pre-Loss Condition" Means in Florida

In Florida, your claim should put your property back in "pre-loss condition." Just repairing the few damaged shingles and giving your roof a patchwork look isn't sufficient. Insurers will resist full replacement in cases like this, but you can prevail. A South Florida public adjuster can help you get repairs that blend with the rest of your home.