For people who live in Florida, the importance of insurance is an undeniable fact. In addition, it is also known how essential it is to have a team of public adjusters to represent clients before insurance companies and help protect residential and commercial properties from loss or damage.
Want to learn more about insurance claims in Florida? Here are the key details you need to know:
What is an insurance claim?
Let’s start with the basics: Insurance claims made by policyholders to their insurance companies. The purpose of these claims is for the insured, i.e. the policyholder, to receive compensation for a loss covered by his insurance policy.
This expectation corresponds to contracts between an individual and an insurance company that commits the policyholder to pay monthly premiums in exchange for financial coverage of his property. In case of an incident, you want your insurance to cover the damages your property may have suffered.
What is the claim process?
The question arises as to what the process is for reporting a claim. From our experience, we can say that each insurance company has its own procedure, and it can be hard to understand. That is why the assistance of public adjusters is necessary because we will evaluate each clause of your contract with the insurance company to obtain the maximum benefits.
At Claims Pacific, we have the tools and experience, backed by 15 years of work, to advise, guide and represent you before the insurance company.
The process begins when the policyholder or their representative contacts the insurance company to report the claim. In turn, the insurance company will assign an insurance adjuster to evaluate the loss or damage to your property. Generally, the adjuster will make decisions in favor of the insurance company and we, as public adjusters, will work on your behalf.
After the appraisal, the insurance company will evaluate the causes of the loss and the coverages in your insurance policy. You may then receive a claim or a denial from the insurance company.
What to do if the insurance company denied your claim?
However, if you receive a denial for your claim, we recommend that you seek a second opinion and the assistance of specialists such as those at Claims Pacific. We are a highly qualified team to evaluate and reopen your case.
If you are concerned about the integrity of your property and want to make sure you are protecting it, do not hesitate to contact us. At Claims Pacific, we will help you get the best settlement for your home.
