As business and homeowners return to their properties to file claims for hurricane damage, Florida public adjuster firm, Insurance Claim Consultants (ICC), has complied tips to help expedite and navigate the hurricane insurance claim process.
Hurricane Irma caused severe property damage across Florida. As business and homeowners return to their properties to file claims for hurricane damage, Florida public adjuster firm, Insurance Claim Consultants (ICC), has complied tips to help expedite and navigate the hurricane insurance claim process.
"First and foremost, get out your policy or request one ASAP,” said Ronald F. Delo, founder and president of ICC, "and go over them carefully. Determine what coverage you have and how to get the most out of it at a time like this. Do not assume anything."In addition to requesting your insurance policy, Delo suggests the following:
“In our experience, historically, there has been a significant difference between what the insurance company offers to pay and what it should pay. Stay in control of your claim and be proactive if you decide not to seek the help of a public adjuster for your hurricane damage insurance claim.”
Public adjusters are licensed by the Florida Department of Insurance. A public adjuster is licensed to assist individual policyholders, not insurance companies. Reputable and experienced public adjusters are experts in understanding and analyzing insurance policies, estimating the scope of damages and applying all policy coverages, all of which maximize the settlement recovery and in most cases speed up the claims process.
Although flood damage is not usually included in a regular homeowner insurance policy, many people who live in areas that often experience flooding obtainseparate flood insurance through the National Flood Insurance Program, or NFIP. If you’re dealing with flood damage and have a flood insurance policy, follow these four tips for getting the most out of your claim. Read more
Whether you’re up against storm, fire or water damage, filing an insurance claim can be a headache if you go it alone. Instead, you might want to look into the pros and cons of hiring a public adjuster to help you file your claim.
If you find yourself in any of these situations, working with a public adjuster could be the way to go.
Fires can be devastating disasters, and on top of the emotional wreckage they can cause, they can also be a financial burden on a homeowner or business owner. If you need to file an insurance claim after a fire, keep these tips in mind to help make the process go as smoothly as it possibly can.
No matter which way you slice it, having to file a property insurance claim isn’t fun. That said, the process doesn’t have to be a huge headache and a total time suck for you. Follow these four tips for handling your insurance claim like a boss and kicking stress to the curb.
If you need to file a homeowner or business insurance claim, hiring a public adjuster to help ensure that you get the maximum amount you’re owed can be beneficial. When choosing the right public adjuster, you’ll want to ask some questions about his or her education and training to make sure you’re working with an experienced leader in the field.
These three questions can help you gauge the experience level of a public adjuster so you can make an informed decision on who to hire.
If you need to file an insurance claim, you might be feeling overwhelmed or even downright confused. This process can be a bit daunting, especially if you’ve never had to go through it before. To help you get through the process without losing your mind, here are four must-know insurance claim tips.
At first glance, water damage and flood damage might seem to be one in the same. After all, they both involve large quantities of water entering your home or business and causing damage. Here’s the catch, though: one of these types of damages is usually included in a regular insurance policy while the other is not.
Take a closer look at water damage vs. flood damage and what this means for your home or business in the event of an emergency.
Let’s say you needed to hire a plumber or an electrician to work in your home. You would expect him or her to have certain qualifications, right? Well, the same goes for hiring a public adjuster to help you file an insurance claim. In fact, there are specific requirements to be a public adjuster set by the state in which they’re located.
Nobody wants to have to file an insurance claim, but when disaster strikes, dealing with your insurance company is unavoidable. Thankfully, you can help to make this process run as smoothly as possible by working with a public adjuster instead of the adjuster that your insurance company sends. Here are just some of the many benefits of hiring a public adjuster for your claim.
After a major storm, many home and business owners are taken by surprise when their storm damage insurance claim is denied. Unfortunately, not all insurance policies cover every type of damage that might happen to your home or business after a storm. To get a better idea of what your policy may or may not cover, here’s an overview of some of the most common types of storm damage that insurance won’t pick up.
When you take out a homeowner’s insurance policy, you’re probably hoping you never have to use it. But the reality is that natural disasters can strike at any time, so it’s a good idea to know what your insurance policy covers and whether storm damage is included.
While every policy is different, here’s some general information about which types of storm damage are typically covered by homeowner’s insurance.
Filing an insurance claim for roof damage can be tricky, especially if you’re not sure of the ins and outs of what your policy covers. After Hurricane Irma, many home and business owners found out the hard way that not all roof repairs and replacements would necessarily be covered by insurance. If you’re missing shingles after a storm (or worse!), take a look at these three tips to make sure you get what’s owed to you.
Experiencing flooding, storms, water damage, fire damage or another disastrous event can be an overwhelming and very difficult time for any homeowner or business owner. Once the damage has been done and you’re left to begin the insurance claim process, you might not know where to start. A public adjuster can help.
Unfortunately, the aftermath of a major storm inevitably attracts con artists and scammers looking to take advantage of overwhelmed homeowners. To avoid insurance scams after hurricane damage, keep these three key tips in mind.
Filing an insurance claim for hurricane damage might sound like a stressful process, but with the right documentation and organization, it doesn’t have to be. Follow these four important steps to help make filing a claim as hassle-free as possible.
If you’ve been affected by Hurricane Irma or another major storm, returning to your home and picking up the pieces can feel like an overwhelming task. But it’s crucial that you take the time to properly document any damages to your home or property to file an insurance claim for hurricane damage.
Hurricane Irma was one of the most catastrophic storms to ever hit Florida and other states along the east coast, leaving floods, power outages and widespread destruction in its path. If you and your family were affected by this hurricane, keep these tips in mind as you begin your recovery after Irma and assess the damage done to your home.
Do you have a storm damage insurance claim that you’ve reported to the insurance company? Don’t be an actuarial statistic. Without a claim expert or public adjuster, many insurance companies depend on any one, if not all, of the under pay, delay, deny or defend tactics to keep settlement proceeds in their bank and out of your pocket. Read more
Carrying insurance coverage is a necessary evil if you’re a property owner. It’s not exactly pleasant to consider how much the premiums you pay add up to over the course of several years or decades—money that could easily have Read more
There’s nothing more devastating than recovering from fire damage. Not only have so many of your cherished things been completely destroyed, but what’s left is often covered in soot and/or the haunting smell of smoke—a continuous reminder of the atrocity you’ve somehow managed to survive.
The fire insurance claim process is inherently complex. To make matters worse, insurance companies often cut corners or misdiagnose the full cost to repair a property. By nature, fire claims require attention to detail during the claim process. Trusting homeowners and business owners blindly follow the lead of the insurance company’s claim adjuster at their own expense. This often results in delays, low settlements and even denied fire insurance claims. Don’t wait until it’s too late. Follow these fire insurance claim tips complied by our experienced public adjusters which will help ensure a fast and accurate claim settlement for you.
We’ve heard it over and over. You’ve suffered some type of insured property loss like fire damage or water damage in your home or business. It’s a big hassle. You decide that you’re in over your head. The claim process is consuming your spare time and the claim adjuster assigned by the insurance company isn’t giving your claim the attention it deserves. You’re frustrated, confused, overwhelmed and ready to hire professional claim help from a public adjuster. Where do you start and who do you hire to alleviate your claim headache?
If you’ve filed an insurance claim for fire damage you’ve likely been approached by many people and companies offering fire claim help. One of the most important things you need to know is who can and cannot offer claim help and negotiate your claim.
General contractors and fire damage adjusters, or public adjusters, provide vastly different services. Each is licensed, credentialed and trained differently. Having your loss mishandled by someone who is not licensed or qualified will undoubtedly complicate the fire claim process and could jeopardize the final outcome of your claim.
Fire damage to your home and the subsequent fire insurance claim process can be the most difficult type of claim to deal with due to the nature and scope of loss. The personal property portion of the claim offers no relief as many claimants struggle to recount and organize a comprehensive list of damaged items or worse, they allow their insurance company adjuster or third party vendor to handle that portion of the claim. As such, this part of the fire claim process is usually the most mismanaged and comes at a high cost to the claimant.
The insurance appraisal process for homeowner claims and business claims can be an effective and efficient avenue through which insurance claim disputes be settled. Choosing an independent insurance appraiser to represent your claim will be the most important choice during the appraisal process. Your selection should be strategically and carefully considered because it could mean the difference between having enough money to rebuild and restore your property, or not.
So what qualifications should you look for when choosing an insurance appraiser to ensure the most favorable outcome for your claim? Read more
The recent flooding throughout Tampa Bay has caused significant flood damage to homes and businesses. Many property owners will likely engage the insurance claim process help to obtain the funds necessary to restore their homes or business to pre-loss conditions.
Filing this type of insurance claim requires a necessary steps to ensure the best and quickest settlement. Our flood and water insurance claim adjusters in Tampa have complied the following tips that every claimant can utilize without the professional help of a public adjuster. Read more
Our office receives calls weekly from policyholders who are upset, confused and frustrated with their fire insurance claims. While some people are fed up with the insurance claim process and are ready to hire a public adjuster, others take advantage of the tips and tactics we provide on how to settle their claims without hired professional help.
Many of the issues we hear about consistently pertain to recoverable depreciation with the personal property portion of a fire claim. More specifically, contents claims for smoke and fire damage are often mismanaged and the topic of recoverable depreciation can be the first sign of trouble for the policyholder. Read more
Determining the value of a hurricane insurance claim can be challenging to decipher if you aren’t in the restoration or insurance claim industries. According to a CNN article, “tornado victims could face a long haul with insurers.” The article in-part addresses the settlements insurance companies offer compared to final settlement amounts negotiated.
If you have a storm damage claim or a hurricane insurance claim, the most important questions you need to ask are:
These questions often remain unanswered in the event a policyholder doesn’t seek a second opinion from an experienced and qualified insurance claim professional. Read more
The Public Adjusters have helped victims of every named storm in the United States since Hurricane Andrew in 1992. That
includes Hurricane Sandy – or Super Storm Sandy, as some call it – which caused such widespread damage when it made landfall on Oct. 29, 2012 in New Jersey, and continued to wreak havoc in New York, Long Island, and many other states, cities, and populated areas in the Mid-Atlantic Region well into early November of 2012.
Knowing that time is always of the essence for homeowners and business owners in the aftermath of a catastrophic weather event, The Public Adjusters jumped into action. We have a great deal of experience with residential and commercial insurance claims over the past 20-plus years of named storms in the Gulf of Mexico region and on the southeastern Atlantic coast. That experience gave us the knowledge required to be able to provide unique assistance for a large northeastern population of homeowners and business owners who had never before experienced the incredible force of a tropical system such as Hurricane Sandy.
Houston (October 27, 2012) – Public insurance adjusters across Texas have teamed up to form the Texas Association of Public Insurance Adjusters (TAPIA). The organization elected its inaugural officers and board of directors.
TAPIA aims to promote professionalism and ethics within the public adjusting industry, and to protect the rights of Texas homeowners and businesses that have sustained an insured property loss.
Ronald Delo, President of Insurance Claim Consultants, dba The Public Adjusters, has been elected as a member of TAPIA’s board of directors. In addition to his involvement with TAPIA and as a licensed public adjuster in Houston, Ronald has served on various industry boards and panels to promote and improve the public adjusting industry over the past 25 years.
U.S.-based businesses with operations in the Philippines are facing substantial losses from Super Typhoon Haiyan. Insurance Claim Consultants helps navigate complex Typhoon Haiyan Claims.
Tampa, Florida – Insurance Claim Consultants, a U.S.-based company with over 10,000 clients around the world, is mobilizing to help companies with operations in the Philippines navigate the insurance claims process in the aftermath of Super Typhoon Haiyan.
According to Ronald Delo, president of Insurance Claim Consultants, “Our company has very close ties to the Philippines. Several of our typhoon experts and partners have traveled extensively throughout the country and have family living there. One of our Filipino staff members is a licensed attorney who lives in Naga City. As typhoon and hurricane experts, we are ready to put our expertise to work. Our natural desire to help is strengthened by our personal ties with the Philippines.”
Insurance Claim Consultants will be represented at this year’s Texas Association of Public Insurance Adjusters (TAPIA) Spring Conference Texas Association of Texas Association of Public Insurance Adjusters 2014 Spring Conference on February 26-27 in Houston.
“Continuing education is an integral part of becoming a better public adjuster,” said Ronald Delo, President of Insurance Claim Consultants and current Board Member of TAPIA.
Founded in 2009, TAPIA is dedicated to protecting the interests of Texas home and business owners who have suffered property insurance losses such as fire damage, hail damage, water damage and many other types of claims. Read more