When horrible home accidents are out of your control to happen in your house it hurts doubly because not only were your possessions or personal property damaged but everything associated with a “home” has been damaged.

Our professional insurance public adjusters in Florida have more than 100 years of combined experience and are helping large commercial property owners, condominium associations, property managers, business owners, and homeowners.

Pros and Cons of Using a Private Insurance Adjuster for Hurricane Damage Claims in Florida
Many homeowners in Florida face the daunting task of filing insurance claims for hurricane damage. In such cases, hiring a private insurance adjuster can be a tempting option. However, it is essential to weigh the pros and cons before making a decision. Here are some factors to consider:
Pros:
1. Expertise and Experience: Private insurance adjusters specialize in assessing and dealing with property damage claims, including hurricane-related damages. They possess extensive knowledge of insurance policies and are skilled in negotiating with insurance companies. Their expertise can prove invaluable in maximizing the settlement amount.
2. Time-saving: Filing an insurance claim can be time-consuming, especially when dealing with the aftermath of a hurricane. Hiring a private adjuster allows homeowners to delegate the entire claims process. They handle all the paperwork, documentation, and negotiations, saving the homeowner's valuable time and energy.
3. Thorough Assessment: Private adjusters thoroughly evaluate the extent of hurricane damage to the property. They ensure that all damages, both visible and hidden, are properly documented and included in the claim. Their attention to detail helps homeowners receive a fair and accurate settlement, providing financial relief and peace of mind.
4. Maximizing Settlements: Insurance companies may undervalue hurricane damage claims, seeking to minimize their financial liability. Private adjusters advocate for the homeowner and work towards maximizing the settlement amount. They possess the knowledge and skills to build a robust claim, accounting for all necessary repairs, replacements, and additional living expenses.
Cons:
1. Cost: Hiring a private insurance adjuster comes at a cost. They often charge a percentage of the final settlement amount, typically ranging from 5% to 20%. This cost may seem high, especially considering the homeowner is already facing financial challenges due to hurricane damages. It is crucial to evaluate whether the potential increase in settlement outweighs the adjuster's fees.
2. Availability: After a major hurricane, private adjusters often witness a surge in demand for their services. This increased workload can lead to delays in response times and extended claim processing periods. Homeowners need to consider whether they can afford to wait for an adjuster's availability amidst the urgency of repairs and the need for financial assistance.
3. Communication Barriers: Private adjusters act as intermediaries between homeowners and insurance companies. While this can be beneficial in complex negotiations, it can also introduce

 

We serve large and small businesses and homeowners with their major property damage claims for major winter storms, ice dams and pipe bursts.

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“Had a pleasure working with Marc. Thank you for what you do for people!”
— Olga Ramiro Ban

We can help you with homeowner and residential insurance claims from events such as:

Global Patriot Adjusters works for you and makes sure you are treated fairly the throughout the entire process,because there is no place like home and when your home is attracted so is your well being. We pride ourselves on bringing every dollar each person deserves!